theLender = “ the NON QM and FHA/VA/USDA Lender” 24 hour turn times everyday on approvals and conditions• FHA—550 MIN FICO—NO OVERLAYS (550 approved eligible and 580 refers)• VA—550 MIN FICO—NO OVERLAYS (approved eligible and refers)• USDA—581 MIN FICO—NO OVERLAYS (Gus Accepts and Refers)• 550 Min Fico - MFG DOUBLE WIDES -FHA/VA/USDA—NO OVERLAYS• NON QM Loans to 500 min fico• NON QM Loans up to $3,000,000 loan amounts• NONQM Bank Statement Loans• 2 months Bank Stmt Loans• 3 months Bank Stmt Loans• 12 months Personal and Bus Bank Stmt loans• 24 months Personal and Bus Bank Stmt loans• DSCR and No DSCR Investor loans—620 min ficoNO Income / No Reserve / No Job Investor loans (620 min fico) We will be offering the absolute best pricing and will be the Leader in the NON QM industry on these loans 80% LTV with DSCR 1.00 DSCR calculated off i/o only rate or note rate not PITIA 75% LTV with No DSCR• JUMBO NON QM LOANS—500 min fico$3,000,000 max loan amounts500 min fico 75% LTV580 min fico 80% LTV620 min fico 85% LTV (no MI)660 min fico 90% LTV (no MI)720 min fico 95% LTV (no MI)• Niche NON QM Loans P&L program onlyAsset Depletion Loans1 YR Tax Returns or 1 YR W2 Program

Call Phil @ 949-270-7629 Email - teamporfirio@myndm.com website - www.myndm.com Wholesale and Non Delegated Correspondent 24 HR Turn Times---Daily Extremely Competitive Pricing on FHA/VA/USDA/CONV AND NON QM!!THINGS TO KNOW:1) 24 HOUR TURN TIMES ON APPROVALS AND STIPS DAILY2) 600+ FHA - Minimal Overlays (Refers and approved eligible)3) 580+ VA - NO OVERLAYS (Refers and approved eligible)4) 580+ USDA - NO OVERLAYS (GUS refers and accepts)5) 620+ CONV - NO OVERLAYS (LP and DU)6) MFG - Double Wides on FHA/VA/USDA/CONV (MIN SCORE 660)7) NON QM ProgramsA) Jumbo Agency alternative loans - up to $2,000,0001) 620 min - 80% LTV2) 680 min - 90% LTV NO MI B) Bank Statement Loans (self employed)1) 12 or 24 months Personal or Business Bank Statements - O/O or N/O/OC) Recent Credit Events1) Borrower that can't qualify for conventional or FHAa) Mortgage lates in the last 12 months (30s, 60s, 90 days late)b) 1 day out of foreclosurec) 1 day out of short saled) 1 year out of bkD) Investor loans1) SFR, CONDOS, 2, 3, 4 UNITS OKa) Full docb) Bank statementsc) NO INCOME / NO RESERVES - (640 MIN SCORE, 75% LTV MAX) Dedicated U/Wing Team - for Team Porfirio

Assisting with current, suspended, and declined files for Team Porfirio. FHA • 580+ FICO Score to 96.5 LTV purchase and 97.75 rate & term or 85 LTV cash out • Minimum 580 FICO on flips or high balance • No DTI restrictions, follow AUS • Collections only need to be paid if required by AUS • No minimum credit history or trade lines with AUS approval • Borrowers with 1 credit score OK • No VOR unless required by DU findings • Non-occupant co-signers no minimum FICO • Mortgage lates OK if AUS approved • 1 day off of market for cash out refi. Property to be off market before date of loan application • Borrower with work permits/non-resident aliens OK • Rental Income on 2-4 unit properties OK for 1st time homebuyers VA • 580+ score regardless of loan amount • No monthly MI on VA loans • VA IRRRL without appraisal to any LTV, min 620 FICO • VA IRRRL with appraisal Min 580 FICO • Cash out to 100% allowed • Will accept DU or LP findings - Refers OK up to 43% max DTI Streamlines • 580 score for Streamline conforming & jumbo, no appraisal, no income, no credit qualifying • Max 1 x 30 in past 12 months but can't be late within past 90 days • Investment and 2nd homes OK • Ignore OTHER property foreclosures and mortgage lates Other FHA Offerings • FHA $100 down program- HUD owned properties • 203K Full and Streamline

• CONV Level II Underwriter— Underwrote new Credit packages for any Conv Loan Program that met within Fannie Mae or Freddie Mac Guidelines and ran initial DU or LP. Worked with both AEs and Brokers to help expedite and work through their loans. Reviewed all PTD and PTF conditions for Income, Assets, Collateral, Credit, and/or any other miscellaneous conditions. Reviewed and cleared all QC findings from Underwritten file at time of Docs. Current LOS system was Datatrac and Encompass.Doc Drawing—Responsible for coordinating, reviewing, and preparing the documentation for Conforming, Jumbo, FHA, and VA residential loans in all states. Responsible for maintaining current knowledge of all RESPA Violations, document systems Doc Magic and Datatrac and all policies and procedures as they relate to document drawing as well as all program elements that effect documents, i.e. caps, margins, terms. Input, print and review loan documents for all current products; input, print and review changes and/or redraws as required. Reconciles fees to Broker charged fees and evaluate (with system support as applicable) whether these fees fall below regulatory mandated ceilings. Communicates with Broker and Escrow agent when documents are drawn and forwards to Title Company or Escrow via delivery method indicated by document request. Funder—Advancing funds under the warehouse line of credit and ensuring to the loan documentation and standard operating procedures. Review of mortgage collateral for the purpose of advancing under the warehouse line of credit. Providing customer assistance as needed, acting as a liaison between customer and various departments within and outside the organization.

• Jr. Underwriter—Assisted Underwriter on all conditions from Assets, Income, Collateral, Credit, and/or any other miscellaneous conditions. Reran DU or LP and Updated Loan System with all new conditions and sent out condition sheet to all parties. • QC Analyst—Worked with Investors on Post Closing Loans to make sure Loans are within Quality and Accuracy of all guidelines and RESPA Errors. Pulled Borrowers Credit, Verification of Employment and Verification of assets for reports and made decision on whether loan was accurately underwritten. • Doc Drawing—coordinated, reviewed, and prepared the documentation for Conforming, Jumbo, FHA, and VA residential loans in all states. Maintained current knowledge of all RESPA Violations, document systems Doc Magic and Datatrac, and all policies and procedures as they relate to document drawing as well as all program elements that effect documents, i.e. caps, margins, terms. Inputted, printed, and reviewed loan documents for all current products; inputted, printed, and reviewed changes and/or redraws as required. Reconciled fees to Broker charged fees, and evaluated (with system support as applicable) whether these fees fall below regulatory mandated ceilings. Communicated with Broker and Escrow agent when documents are drawn and forwarded to Title Company or Escrow via delivery method indicated by document request. Followed stacking order as conditions are signed off and new information is received, and maintained stacking order integrity. Reviewed HUD’s for Funders and assisted in signing off Prior to Funding Conditions. Also assisted in Funding Loans, and stacked files for shipping.

Responsible for identifying fraudulent transactions by analyzing customer account activity. Utilize multiple and complex research techniques to resolve and decision high risk alert/cases. Open and review cases where fraud is identified and take actions on accounts to mitigate losses. Communicate with external Financial Institutions and or customers to gather facts surrounding potentially fraudulent transactions. Contact and authenticate customers using innovative cross referencing techniques and tools. Also responsible to perform other duties assigned by management. Closer/Doc Drawer/Setup

Closer-Advancing funds under the warehouse line of credit and ensuring to the loan documentation and standard operating procedures. Review of mortgage collateral for the purpose of advancing under the warehouse line of credit. Providing customer assistance as needed, acting as a liaison between customer and various departments within and outside the organization. Reviewing exception reports to insure adherence to loan documentation. Review of interest billing as necessary. Other functions: Assisting customer in the reconciliation of operating accounts as well as warehouse balances. Tracking of wires to the bank providing fed reference numbers to the customers. Also, Responsible for coordinating, reviewing, and preparing the documentation for Conforming and Jumbo residential loans. Responsible for maintaining current knowledge of document systems and all policies and procedures as they relate to document drawing as well as all program elements that effect documents, i.e. caps, margins terms. Input, print and review loan documents for all current products, input, print and review changes and/or redraws as required. Reconciles fees to Broker charged fees and evaluate (with system support as applicable) whether these fees fall below regulatory mandated ceilings. Communicates with Broker and Escrow agent when documents are drawn and forwards to Title Company or Escrow via delivery method indicated by document request. Follows stacking order as conditions are signed off and new information is received. Maintains stacking order integrity. Also working the following: Lock Desk-pricing loans, creating the rate sheet, and locking loans with different investors; Doc Drawing-prepare loan documents using Doc Magic, Guardian, and Data Track; Underwriting-Running Automated using CALX POINT, DU, DO, WELLS FARGO, E-MITS, and CLOUT.

Responsible for coordinating, reviewing, and preparing the documentation for Conforming, Jumbo and FHA residential loans. Responsible for maintaining current knowledge of document systems using Doc Magic and Datatrac and all policies and procedures as they relate to document drawing as well as all program elements that effect documents, i.e. caps, margins terms. Input, print and review loan documents for all current products, input, print and review changes and/or redraws as required. Reconciles fees to Broker charged fees and evaluate (with system support as applicable) whether these fees fall below regulatory mandated ceilings. Communicates with Broker and Escrow agent when documents are drawn and forwards to Title Company or Escrow via delivery method indicated by document request. Follows stacking order as conditions are signed off and new information is received. Maintains stacking order integrity.

Advancing funds under the warehouse line of credit and ensuring to the loan documentation and standard operating procedures. Review of mortgage collateral for the purpose of advancing under the warehouse line of credit. Providing customer assistance as needed, acting as a liaison between customer and various departments within and outside the organization. Reviewing exception reports to insure adherence to loan documentation. Review of interest billing as necessary. Other functions: Assisting customer in the reconciliation of operating accounts as well as warehouse balances. Tracking of wires to the bank providing fed reference numbers to the customers. Underwriting/Doc Drawing/Setup/Funding/Lock Desk /Admin,

Reviewing conditions, setting up new loans, assisting the U/W, moving files to docs, running Automated Underwritings using such programs as DU, EMAGIC, CLOUT, and LP. Answer any condition questions. Previous positions at Wausau were: Doc Drawing-prepare loan documents using Doc Magic, Guardian, and Power lender. Lock Desk-pricing, loans creating the rate sheet, and locking loans with different investors. Funder-correctly stacking funding packages, review funding packages for accuracy, Review and clear conditions prior to funding, fund loan in system, prepare and deliver file for shipping. Administration-process broker approval applications, process lender approval packages, website access maintenance, and primary reception coverage.

Worked in many different Brokers offices, Escrow offices, and other office environment jobs; typed, filed, answered phones, helped with projects, and other miscellaneous office work.