2. Direct Mortgage Jake Hall 562-895-3984 jakehall@directcorp.com

3. What You’ve Always Wanted From a Lender Fully qualified loan choices – not just prequals Less back and forth with your AE Instant pricing with rates and YSP Fully priced Loan Approvals – not just prequal price opinions. No funny business No empty pricing promise from a prequal. Just real loans!

4. The Best Brokers Go Direct! Looking for a great loan experience with a lender who will be here tomorrow? Besides speedy underwriting and a commitment to serve you, Direct Mortgage Wholesale offers:  On-line locks until midnight (PDT)  Re-issue credit  FHA - Traditional Fixed & ARM  FHA - Streamline Fixed & ARM Refi  Stated, Jumbo, Hybrid ARMs  VA  Alt-A  Expanded Criteria  2nd mortgages  No Mortgage Insurance Option  Treasury/LIBOR ARM  Personal service These are some of the many reasons to use Direct Mortgage to fund your next loan.  Faster Loan Closings  Electronic File Submission  Comprehensive Loan Portfolio  Personal Service

5. What Can Loan Choices™ Do For Me? Answer: Loan Choices™ automatically runs multiple automated underwriting systems (AUS) Instantly sorts the best loan product to the top - displaying available loan products in seconds. Loan Choices provides instant rate locks, AUS feedback, and loan processing services. Submit a complete loan application and Loan Choices will free up your time to originate more business and increase your revenue! Loan Choices™ makes you more money!

6. Benefits of Direct Mortgage We Run DU For You at No Charge! Re- Issue credit reports Loan Choices Technology

7. Why use LoanChoices? You will never have to manually input DU information again! In a single click, you can: – Compare Multiple DU Products, – Runs DU, LP and DMC AUS systems automatically – Stated jumbo, hybrid arms, My Community Loans, FHA loans, Flex 100 Loans, Regular 30 year Fixed & ARM loans Predictive analytics requires no clicks No more blindness Minimum clicks - Maximum possibilities!

8. Sign Up Today – Learn ABC’s A: Select a Loan Program – Your complete loan application is automatically run through DU and our own AUS, resulting in loan choices with the most relevant and best priced loan products sorted to the top! B: View Completion Status – Sit back and relax. Direct Mortgage can process the mortgage for you or you can do it yourself. C: Schedule Closing – Easily schedule the closing at the borrower's home or other designated location.

10. Loan Choices™ Makes You More Money!