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Maximizing Yield in Residential Construction
A Strategic Partnership for Builders
March 2014
What is ResMac?
» A privately owned, national mortgage asset aggregator / mortgage lender
» Direct access to Fannie Mae and Ginnie Mae as an approved seller/servicer
» Regulatory tested and proven
» Superior, highly communicative technology platform designed to make the process
of closing loans highly predictable and consistently efficient
» Multiple processing centers nationally, loan fulfillment in Boca Raton, Florida
» A company dedicated to industry best practices and senior management
team with over 100 years of combined experience in the mortgage business
Ever consider starting a mortgage company?
» Ownership – your company, your name, your marketing plan vetted against
our established team of pros to get you the best results
» Profit – maximize your revenue potential – see pro forma at end of presentation
» Capture Rate – secure more homebuyers through closing cost incentives and
potentially below market finance fees and rates
» Value – provide a higher level of customer service to your clients
» Control – superior process control to meet closing dates and close loans on time
Proposal for Newco
» Builder may own up to 49% of company with a flexible buy-out clause
» Newco contracts ResMac to provide all mortgage related services – i.e. licensing,
compliance, loan processing, underwriting and fulfillment
» Additional marketing services provided by Home Team, LLC
» Newco name and brand designed around your current project or existing
company name
» Company distributions quarterly
» Less than $25,000 start up capital required in most cases
Starting points and time tables
» Partnership Agreement – review of a “boilerplate” agreement for
consideration
» Company Formation – legal counsel from both sides will sit down and
discuss the best structure – i.e. corporation, LLC, etc.
» State Licensing – this process varies from state to state but generally takes
60-90 days
» Marketing and Branding – company name, logo, etc. developed along with
a short term and long term marketing strategy
» Staffing and Training – hiring and training of origination staff
 Industry tested Mortgage Marketing, Recruiting & Management firm
 Innovative marketing partnership with celebrities & professional athletes
 Events include meet & greet, autograph sessions, cocktail parties, in house team
building, golf clinics & tournaments, vendor appreciation, private client, and onsite gatherings, sales meetings & motivational presentations
 HTE will compliment your current marketing programs to promote your new
mortgage division, and company brand