Joe Daly Email & Phone Number

9321 Montgomery Rd, Ste C Cincinnati Oh, 45242

I am the Director of Specialty Products at Guaranteed Rate Affinity including Renovation, Reverse, and Construction to Perm. Personal NMLS #384503 Guaranteed Rate Affinity NMLS# 1598647. o CORPORATE DESCRIPTOR CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act Guaranteed Rate Affinity NMLS 1598647 1800 W. Larchmont Ave., Chicago, IL 60613 (866) 934-7283 • grarate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.org www.grarate.com/licensing

Mason, Oh

Greater Chicago Area

Formed in 2001, Peoples Home Equity, Inc. is dedicated to the simple goal of helping Americans achieve the dream of responsible home ownership closing over $4 billion in home mortgages in 2016. As a veteran of renovation financing for more than 23 years, I am charged with developing and growing one of the most dynamic renovation lending programs in the country.

United States

Train, recruit, mentor and coach all of the Loan Officers at AmeriFirst Home Mortgage on all renovation lending products. Develop, implement, and roll-out new mortgage products as the director of the renovation lending platform. Teach CE classes within the nine states AmeriFirst is licensed to a wide range of real estate agents and REALTORS. Developed, managed, and grew the Third Party Origination Program by creating and sustaining successful TPO (mortgage origination) relationships with community banks and credit unions along with local AmeriFirst account executives.

Responsible for the development of the Regional Renovation Platform within Ohio, Indiana, and Kentucky markets.* Recruit, train, and coach new renovation specialists to the team to ultimately growmarket share and volume by building strategic relationships with fellow Home LoanConsultants, Realtors, REO brokers, Contractors and Home Improvement Companies.* Originate renovation as well as other conventional, FHA, and VA mortgages meeting orexceeding monthly goals

Renovation LendingResponsible for the development and growth of renovation lending for four divisionsconsisting of 17 regions covering a total of 26 states. Dotted line management responsibilities to all Regional Renovation Sales Managers (8).Some of which had multiple states and regions. 2006 renovation budget for the East Markets, $369,900,000.00. An increase of 25% over2005's actual closed volume.Responsible for all unmanaged Renovation Specialists (approx. 50) for regions whocurrently did not have Regional Renovation Sales ManagersResponsible for all Streamline Certified Specialists (approx. 180) who also did not have

Responsible for the growth of Renovation Specialsits and volume for the midwest markets including Ohio, Indidana, Kentucky, West Virginia, Illinois, Iowa, Kansas, Missouri, North Dakota, South Dakota, & Nebraska.

Renovation Sales Leader.National Sales Leader 1995 and 1996.Innovated new renovation products and promotions