15 Reasons to Join Union Home Mortgage Wholesale

PEOPLE:

1.) People/Culture: The level of experience, desire for “Raving Fan” customer service and camaraderie sets us apart from all the rest. Our “Code of Conduct” is a pillar of the organization. We are passionate about our Partners and consistently promote a positive working environment.

2.) Communication: Our Rockefeller Habits Management System requires constant communication

with daily Huddles for all departments, monthly conference call sessions, continual and ongoing

web-ex training sessions. We maintain complete transparency; you can call anyone at any time!

3.) Leadership/Ownership/Stability: A company built by Loan Officers for Loan Officers; the Owner,

National Retail Operations Manager, National Wholesale Operations Manager, National Sales

Manager, General Sales Manager, Information System Director, Secondary Marketing Director

are all former Loan Officers. UHM is a privately held and operated company since 1970,

financially stable and debt-free. Our CEO is a past President of the Ohio Mortgage Bankers

Association, past MORPAC Chairman of the National Mortgage Bankers Association, current

Chairman of the Mortgage Bankers Association of America and works proactively with the MBA

on behalf of the industry. The average Senior level Manager has been with UHM for over 10

years and in the industry over 20 years, it is this stability that provides our employees, business

partners and customers the peace of mind that their transaction will be completed and in

accordance with the highest professional standards.

PRICING:

4.) Broker Compensation: We maintain an innovative plan with compensation plans for our broker

partners from 125bp up to 275bp in 25bp increments. Pricing is highly competitive while giving

our broker partners plenty of opportunity to change their revenue plan to ensure they stay

competitive in their market place.

5.) Secondary: This department is available to offer assistance and guidance for our Account

Executives with pricing, extensions and special circumstances.

6.) Investors: We have relationships with all the top investors in the country including Freddie Mac

(direct), Fannie Mae (direct), and Ginnie Mae (direct) offering Conventional, FHA, VA, USDA,

Jumbo and Jumbo loans.

PROCEDURES:

7.) Streamline Procedures: Our UHM Efficient Loan Flow platform offers control over the fulfillment

piece. In our model, sales and operations work cohesively to accomplish our goal of a premier

customer experience.

8.) Appraisal Management: UHM does not work with appraisal management firms but maintains an

internal department of appraisal management saving time and money for our Customers.

9.) Underwriting: FHA DE since 1971 with billions closed, VA LAPP Authority and delegated to

underwrite for all investors. In addition, UHM utilizes a “Risk Committee” to review files with

“make sense” underwriting decisions.

10.) Technology: UHM utilizes the Encompass 360 Banker software LOS built by current members of

the President and Union Clubs. Partners receive platinum support from our IT Department with

software, email and website development.

11.) Support: UHM offers ongoing and constant interactive training, Managers offer assistance daily

including transactional support and sales coaching. At UHM, Account Executives always have

the ability to reach out for help.

12.) Marketing: UHM’s Automated Marketing System utilizes automated marketing prior to, during

and after the transaction is closed. Specifically designed correspondences to existing and

prospective broker partners are available with the push of a button. In addition, UHM retains a

library of corporate designed and production team shared marketing pieces including monthly

newsletters, product highlights, and operational reminders.

PARTNERSHIP:

13.) Flexibility: All employees are considered Partners, and are actively engaged in the direction of

the company. We’re a company that constantly looks for improvement and to increase

efficiency daily, weekly, monthly, quarterly and yearly. All Partners have a voice and provide

valued input to invoke positive change. UHM is a successful company that has an ability to

recognize a better idea and the ability to implement that idea.

14.) President’s Club and Union Club: Top Producer’s may join the President’s Club or Union Club,

having an opportunity to realize additional benefits for outstanding production.

15.) Senior Partner Society: Partners who have been with UHM for ten years or longer are

recognized yearly for their service to the company and all Partners