eagle home mortgage brochure
TRANSCRIPT
GeTwhaT you
need To reach
your full potential
■ Stability■ a culture of Support■ flexibility■ reSourceS
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stabilityWe’re a member of a fortune 500 family of companies that has been a leader in real estate and financial services since 1954.
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eagle home mortgage is a member of Thelennar family of
companies
Why lennar iS here to Stay:■ exceeding expectations for 60 years■ 2nd largest u.S. homebuilder with 7.8 billion in revenues■ ranked #364 on fortune 500 list■ over $500 million in cash and cash equivalents■ business line diversification: investment management,
commercial investments, originations, securitization (rialto capital Management, llc); multi-family apartment complex development; joint venture mixed use communities (five point communities)
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ParT oflennar financiaLserVices
eagle home mortgage north american
title group, inc.
universal american mortgage company lennar’s in-house lender
We are one of the only fortune 500/S&p 500 companies vertically integrated into thereal estate market.
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lennar hisToricaL hiGhLiGhTsa history of Quality,Value and integritysince 1954
1954 Gene fischer and arnold rosen form f&r builders in Miami, florida.
1956 leonard Miller invests $10,000 and becomes co-owner of f&r builders; leonard Miller and arnold rosen become partners.
1969 f&r builders acquires its first commercial property, in Miami beach; f&r’s equity base reaches $1 million.
1971 leonard and arnold combine their names to rename the company lennar. lennar corporation becomes a public company, with an initial offering of $8.7 million.
1972 listed on the new york Stock exchange. (nySe: len) enters arizona homebuilding market in phoenix, with acquisition of Womack Development corp. and MasterKraft homes.
1976 opens its first active adult community: Kings point in Delray beach, florida.
1977 co-founder arnold rosen retires, continues to serve as a Director.
1981 in response to the S&l crisis, expands mortgage financing business with universal american Mortgage company (uaMc).
1982 expands into Southwest florida, with acquisition of royal homes in fort Myers. equity base reaches $100 million.
1984 expands in palm beach county, florida, with acquisition of h. Miller & Sons.
1985 enters the title service business by establishing universal title insurors, inc.
1986 acquires largest competitor, Dca homes, and becomes florida’s largest homebuilder.
1987 begins the tradition of its associates wearing name badges.
1989 acquires richmond american homes in orlando and tampa, florida. introduces “everything’s included” marketing platform; homes include thousands of dollars in extras at no extra charge.
1991 enters the texas homebuilding market in Dallas/ft. Worth. acquires ameriStar financial corporation, expanding mortgage services into california.
1992 in a joint venture with Morgan Stanley, acquires $1 billion amerifirst real estate portfolio.
1993 in a joint venture with lehman brothers, acquires $2 billion Westinghouse loan portfolio.
1994 equity base tops $500 million. begins tradition of associates reciting “the little red hen” poem from memory.
1995 acquires Village builders and friendswood Development company in houston, texas from exxon. enters recovering california markets with acquisition of bramalea california, inc.
1996 expands california homebuilding presence in Sacramento and Southern california with acquisition of renaissance homes, coto de caza, Stevenson ranch and 2,800 homesites in huntington beach. in partnership with Morgan Stanley, acquires $420 million real estate portfolio. acquires regency title in houston, texas.
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lennar hisToricaL hiGhLiGhTscontinued...1997 Stuart Miller elected president and ceo. completes spin-off to its shareholders of commercial and real estate investment and management business, named lnr property corporation. Merges with pacific Greystone. enters nevada homebuilding market in las Vegas. further strengthens california presence with acquisition of West Venture homes, 2,700 homesites in north natomas community and 800 homesites in San Diego. becomes master developer of billion dollar, 5,000-acre Mare island navy base, a partnership with city of Vallejo.
1998 acquires north american title company. acquires Winncrest homes, colrich communities and polygon.
1999 acquires Southwest land title. acquires eagle home mortgage, based in the pacific northwest.
2000 lennar acquires u.S. home and doubles in size. enters new markets in colorado, Minnesota, new Jersey, Maryland and Virginia.
2001 builds 500,000th home with habitat for humanity and Special olympics; Donates 500,000th home to family with special needs. named to fortune 500.
2002 enters north and South carolina homebuilding markets with acquisition of Sunstar communities and Don Galloway homes. Strengthens presence in baltimore, Maryland with acquisition of patriot homes and b. andrews homes. acquires Sentinel title corporation of baltimore, Maryland. Strengthens arizona, california and colorado presence with acquisition of the Genessee company and cambridge homes.
2002 enters illinois homebuilding market in chicago with acquisition of Summit homes and concord homes.
2003 acquires Seppala homes of Greenville, South carolina. further expands california presence by acquiring coleman homes of bakersfield. Mid american title company of chicago, illinois joins lennar financial Services.
2004 Jon Jaffe named chief operating officer. enters San antonio, texas market with acquisition of connell-barron homes. enters Jacksonville, florida market with acquisition of classic american homes. acquires newhall land & farming company, a leading Southern california community developer in north los angeles county.
2006 rick beckwitt joins lennar as executive Vice president.
2007 rialto capital Management, a private real estate management investment company, is founded.
2009 introduces fivepoint communities, inc., an independent real estate development company jointly owned by lennar corporation and emile haddad.
2010 launches new commitment to energy efficiency and technology with everything’s included homes. enters Georgia homebuilding market in atlanta.
2011 rick beckwitt named president of lennar corporation; Stuart Miller remains chief executive officer. introduces north american advantage insurance Services for all lennar homebuyers. enters the portland, oregon and Seattle, Washington homebuilding markets. lennar Multifamily communities is introduced, specializing in the creation of luxury rental apartment communities
2012 introduces next Gen - the home Within a home - designed especially for multi- generational families.
2013 eagle home mortgage doubles its number of branches to 80 over a two-year period. uamc/eagle home mortgage ranks among the nation’s top 10 lenders in retail sales, according to scotsman guide.
2014 lennar financial services acquires pinnacle mortgage group, inc. lennar commercial is introduced, specializing in the development, investment and management of retail, mixed-use and commercial properties.
...and more to come!
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eagle is a
naTionaL brand
in april 2014, we acquired pinnacle Mortgage Group, inc.,
expanding our presence in california and colorado
We have more than doubled our branches
in just 4 years
put our GroWth to WorK for you With acceSS to a
larGe anD GroWinG referral netWorK
$9.5BIN SALES REVENUE
RANKED 364ON
FORTUNE 500 LIST
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$6,142,318,010
$5,282,316,707
$4,429,878,663
$2,931,909,891
$8,900,000,000
FY2014 FY2015FY2011 FY2012 FY2013
$6,000,000,000
$5,000,000,000
$4,000,000,000
$3,000,000,000
$2,000,000,000
$1,000,000,000
$7,000,000,000
$8,000,000,000
$9,000,000,000our
sTory of growth
SaleS VoluMe
49% increaSe in
SaleS VoluMe 2014–2015
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32,637
2
23,30022,328
19,691
13,785
2011 2012 2013 2014 2015
25,000
20,000
30,000
15,000
10,000
5,000
our sTory of growth funDeD unitS
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culture of
support
a fun enVironMent anD collaboratiVe culture
that putS the loan officer at the center of all that We Do.
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our mission our core values
our visionempowering our associates to become the nation’s premier mortgage service provider accountability
teamworkcustomer Satisfactionassociate fulfillment
enriching lives through a dedicated commitment to home ownership
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your personal
onboardinG concierge
support
DeDicateD Support to MaKe your tranSition aS SMooth aS poSSible
■ begins at pre-employment – hit the ground running!■ assistance with:
• license transfer• Database transfer and i’ve Moved postcards• business cards• and more…
■ continued support through first 90 days
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be a one-stop shop
With these options at your fingertips, you’re the only resource your business partners will need.
broaD SpectruM of StanDarD anD niche proDuctS
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leverage our
rePuTaTion
Direct Seller to SeconDary
MarKet
bypass restrictive overlays and make more deals happen.
eagle’s outstanding track record positions us as a trusted partner to:■ fannie Mae■ freddie Mac■ Ginnie Mae
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ThriVe in an entrepreneurial culture
be eMpoWereD to MaKe DeciSionS
■ flexibility of a broker with the strength of a bank■ accessible leadership team that listens■ fast answers when you need them
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loan supportfor comPLex scenarios
teaM of licenSeD oriGinatorS aSSiStS With:■ Guideline clarifications■ niche production selection■ unusual scenarios ■ condo/project/leasehold approvals■ escrow holdback approvals■ trust review and approval■ complex pricing scenarios and niche product pricing
need assistance structuring a deal? a wealth of information is a phone call away.
receive a response within two business hours; most inquiries answered within minutes.
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leverage our marketing team and automated tools, so you can focus on doing what you do best— selling loans!
full-service in-house
marketing team
proViDinG MultifaceteD
SerViceS anD toolS
Digital advertising & social mediaevent supportopen house toolsprint, billboard and radio adsbranded promo itemspostcards & flyers
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PromoTinG The eagle brand
We create marketing materials to promote our corporate brand as well as your personal brand.
alaska airlines Magazine
local anD reGional aDVertiSinG Support
triD toolkit and Video
personalized landing pages
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eVenT marketing
Shine at your eVentS With a
conteMporary booth Setup,
branDeD GiVeaWayS anD collateral
attract and capture valuable leads to build your business.
portable banner Stands
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reLaTionshiP-buiLdinG support
■
■ twice a month realtor email newsletters
■ realtor-targeted ads
■ co-marketing options for flyers and postcards
■ co-branded open house flyers
toolS to enhance your Key partner relationShipS
To kick off the new year, we are excited to bring you HBM NexGen, a dynamic, lender-centric mobile and web-based sales tool designed to help you create a consistent pipeline of new buyers, protect your customer database and grow relationships.
From Home Buyers Marketing II, Inc, this game-changing sales platform is coming to all Eagle Home Mortgage loan officers nationwide, with features such as:
1. Home Scouting® mobile app, in which your customers and prospects can view 100% of MLS listings for sale.
2. Loan Officer Dashboard with daily updates of your customer’s search activity.
3. Sold Home Alert with automatic notification to your customers of homes sold in and near their neighborhood.
4. Quick Enroll enabling you to enroll new prospects on the spot on your mobile phone.
Watch your email for training details as well as an upcoming newsletter to keep you up-to-date on the latest with HBM NexGen.
Introducing HBM NexGen
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comPrehensiVe social media
presence
top 11% “likes” in the financial
services category.
each branch has its own facebook page
use your branch facebook page to directly engage your community.
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state of the art customer relationship management system■ personalized hbM nexGen application
and home buyer Database ■ contemporary, high quality oversized
postcards and html email campaigns ■ comprehensive, effective campaigns
targeting past customers, prospects and business partners.
■ robust, automated post close program ■ thank you and anniversary postcards■ 2 consumer and realtor newsletters
per month ■ fold over birthday cards for borrower
and co-borrowercontemporary creative campaigns
“i’ve Moved” cards
Mobile optimized closing Giftsremindersemail Marketingauto campaignsphone app
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lead and databasemanagementtools
■ import and export contacts easily from outlook & other crM Systems
■ assign lead rankings and set reminders using a simple star system
■ easily add referral sources to contacts and generate customized business partner reports.
■ automated loan process milestone videos keep your customers and business partners up-to-date.
■ comprehensive html email reporting
1 pick from among hundreds of creative options for customers, prospects and business partners.
2 easily search for the set of contacts/referral sources you want to target.
3 Schedule your mailings at the appropriate intervals
recurrinG “Set-it anD forGet it” caMpaiGnS eaSy aS 1, 2, 3:
email reporting
crM with responsive Design
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exPansiVe flyer
library
■ over 200 downloadable flyers■ option to co-brand with your
business partners■ print or send as htMl email;
upload to facebook ■ content encompasses products,
services and brand/company■ flyers continually added for new
products and services
SoarinG to SucceSS
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Loan officer websites
■ personalized online portal for client access and marketing
■ pre-qualification and application functionality with download to loan origination system
your Virtual SaleS anD oriGination tool
Direct customers and business partners to your personal web page using your unique url.
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loW preMiuMS anD flexible
optionS
comPeTiTiVe benefits
packages Medical
LifeInsurance
Dental
DisabilityInsurance
Vision
Discounts on Eagle Mortgagesand Lennar Homes
Prescription Drugs
Flexible Spending Accounts
401(k) with generous company match
Discounts on services, i.e. home & auto
you can potentially save hundreds of dollars
per month in insurance premiums
due to our buying power and scale.
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rewarding Performance excellence
top producers (and a guest) are rewarded with recognition and relaxing downtime; each year to a different, exciting destination.
a select group of our coe winners are selected to participate in the president’s advisory council, which meets off-site twice a year to share their ideas with our president.
2013
Maui, Hawaii
2014
Napa, California
2015
Oahu, Hawaii
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*requirement based on fiscal year end.
criTeria
units: 100 first Mortgage loansminimum correspondent units: 80orvolume: $18 Millionminimum correspondent volume: $15 Million
branch volume volume: *125% of branch Minimumminimum correspondent volume: $24 Millionororiginator production: 2 or more originators qualifyorpersonal loan production: Same as loan officers
loan officers
branch managers
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* loan officers with 50% or greater purchase volume at year-end will be paid increased bps on their total volume. those with less than 50% purchase volume will have their purchase volume doubled and paid incremental bps on this amount.
2015 proDuction incentiVeS
more rewardsfor excellence
total volume $18 million or
120 units
receive an incremental
5 bps*
total volume $24 million or
160 units
receive an incremental
10 bps*
total volume $30 million or
200 units
receive an incremental
15 bps*
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Visit succeedateagle.com for more on what eagle has to offer and see video testimonials.
GROW WITH US.Opportunity awaits at Eagle. After 49% sales volume growth last year, we’re poised for more and on the lookout for driven, talented loan officers and branch managers to join our team. Eagle Home Mortgage offers a mix of deep-rooted stability, flexible freedom and open access to company leaders. Our enduring success is the result of supporting and rewarding top-flight lending professionals like you. Learn more at SucceedAtEagle.com.
Member of the lennar family of companies. a fourtune 500 corporation.