All the Right Pieces

As other Loan Officers see their business diminishing….
Why have Ascent Loan Officers continued to achieve record success?

Our Loan Officers have all the right pieces….

100% Payout
-No Fees
-No splits
-No Gimmicks

NO FEES     NO SPLITS     NO GIMMICKS

How much income are you giving up in fees and splits?

Close Loans Nationally

• No longer limited by your market
• Do business in ANY STATE

Lead Generation

• Our Lead Generation System provides our Loan Officers access to:
• Qualified Purchase and Refinance Clients
• National or Local Clients
• Training: AHL U provides the training and tools you’ll need to be successful with leads 24hrs a day.
• You’ll have the ability to tailor your leads to the business that’s best for you.
• No longer will you have to wonder where you’ll find new business.

Dedicated In-House Underwriting

• No more waiting for Underwriting
• 24 hr turn time on all products
• No more phone tag- A Real Time Pipeline shows you exactly where your file is 24 hours a day.

The Industries Best Pricing

• We give you the industries most competitive pricing.
• How do we do it? It’s simple
• We don’t mark up our rates.
• We don’t have any Middleman.
• We pay 100%. This makes it possible for you to price where your competition can’t afford to price.

Rapid Price Manager (RPM)
Rapid Price Manager will make it possible for you to:

• Find Programs - RPM will scour several thousand programs to find the loan you need in a matter of seconds.
• Instant Approvals - RPM doesn’t just pull up programs…. RPM runs your clients credit against product
  guidelines and will generate a Pre-Approval to match every program presented to you. No more
  rummaging through stacks of Lender Matrices to figure out if your Client qualifies….. RPM does it for you.
• Pricing Enhancer- RPM will show you what adjustments changed your pricing and what changes you
  can make to improve it. RPM will show you how to make the most Yield Spread while offering your Client the lowest rate.

Lend as a National Mortgage Bank

• As a MTG Bank you’re no longer required to disclose your Yield Spread Premium.
• As a MTG Bank you have access to States that as a Broker would require testing, licensing, bonding, and a brick and mortar office.
• As a MTG Bank you’re protected from legislation passed concerning Broker’s and their ability to conduct business.
• As a MTG Bank you’ll be able to give your client’s the confidence of knowing they are doing business with a National Lending Institution

Bank it or Broker it

• If you can’t find the right program in our Bank portfolio…..Broker it.
• Our number one goal is for your loans to close.
• We have over 200 investors, but if you have a specific lender you prefer to use…you can use them.
• At Ascent we want to help you close loans, not become an obstacle.

Work from wherever you’d like

• Work In an Office                        Work on a Beach

• It’s up to you…..The entire Ascent Home Loans format is web based. Wherever you can take
  a laptop computer, you can run your business

Business Development Manager (BDM) for Every LO

What do our BDM’s do for you? They’re here to assist you with:

• Orientation and set up
• Product and pricing
• Loan Placement
• Marketing strategies
• Lead Generation
• Underwriting Hurdles
• Successful growth

The BDM’s sole purpose is to be your biggest ally in the industry. They’ve been empowered to tackle any
issues you may have on the spot. They will serve as a single source for all your mortgage needs.
They’re your ambassador, your advisor, and your ally on the road to success.

No Licensing Headaches

Our fulltime Licensing Staff takes care of the details:
- No more fighting to get licensed in other states
- No more splits and fees to do business in other states
- No more license renewal hassle
- We handle all interstate Licensing and renewals

Expert Compliance Staff

• We’ll generate and mail out all loan disclosures
• We’ll handle all State and Federal Audits, Updates, Disclosures, Annual Reporting
• Same day State and Federal Advertising/Marketing pieces reviewed for compliance.

Full Benefits

• Direct deposit
• Paid weekly
• 401k and Health Benefits
• Access to all your pay roll and benefit information is available, and manageable, on-line 24hrs a day.

Support Staff

- Our dedicated support staff is the most knowledgeable, responsive, and interactive support team in the industry.
They’ve been equipped to tackle any issues, without a fuss, as they happen. The entire Ascent Home Loans family
is dedicated to being your ally in the Mortgage Industry.

Simplify the Process