september 2014 page 1

employee newsletter | september 2014

Corporate News ............................... 2

Ask Our CEO ..................................... 2

Compliance Training ....................... 2

Critical Dates .................................... 3

Anniversaries .................................... 4

Birthdays ............................................ 4

New Employees ............................... 4

Holidays .............................................. 4

Did You Know.................................... 4

Kudos! ................................................. 5

Office Events .................................... 5

To Your Health .................................. 5

Help Desk Resources ..................... 5

inside this issue

we need your suggestions! CHANGES ARE COMING SOON TO THE MAGNIFIER! We are in the process of updating and refreshing our employee newsletter so it will reflect our partnership with Suburban/Intercap, including corporate news and views, and we want YOUR ideas. We will be making changes to the artwork, design and content.

First off, we are holding a contest for a new name for our newsletter. There will be a PRIZE for the best name, in

addition to the glory and fame that goes with your suggestion being selected! There is no limit to the number of entries you submit—please email to marketing@magloans.net with "newsletter name" in the subject line. We want to start off January 2015 with the rollout

of our new and improved newsletter!

We need regular contributors! Do you secretly aspire to be a journalist, reporter or photographer/photojournalist? We would like to have regular contributors to help make our newsletter interesting and relevant. Do you or someone at your office have an interesting hobby, sport or activity that you would like to share with us? Has your office participated in fundraising or community service events? Inquiring minds want to hear about it!

Here's our wish list:

Q Newsletter name—something catchy and inclusive that reflects our new identity. Please submit your entries to marketing@magloans.net with "newsletter name" in the subject line. No limit to the number of entries that you make!

Q We need contributors for announcements and tips about recent events, new procedures or changes in our industry.

Q Newsworthy events at your office or in your community, plus photos!

Q MAG Magic—Kudos and stories from around the office that show our MAG team spirit and commitment to our clients!

Q Regular contributor for Health tips

Q Regular contributor for Green living tips

Q Regular contributor for Healthy recipe

SUGGESTION

SEND US YOUR SUGGESTIONS!

september 2014 page 2

INTERCAP LENDING RECENTLY ATTENDED THE LONG BEACH SYSTEM 7 CONFERENCE put on by Resource Dynamics. The conference was attended by an estimated 400 real estate agents. They spent two days absorbing information about the latest and greatest technology tools and business systems the market has to offer.

At the event our CEO Jamil Atcha delivered a presentation on our Realty Affiliate Marketing Program (RAMP). The response was overwhelming-ly positive! Twenty-five percent of the attendees indicated enthusiasm for the program. Following the event we started onboarding a handful of agents, and a warm dialogue continues with those who have shown interest in the program.

In the coming weeks a webinar will be hosted for existing and newly boarded agents. Please contact Joe Freedman, Corporate Director of Marketing with any questions, at jfreedman@intercaplending.com or 866.644.1046 x1278.

corporate corner

ramp presentation a success!

corporate office visit

ask our ceo!If you have a question for Jamil to be anwered in the MAGnifier, please email to marketing@magloans.net, subject line: Ask Our Ceo.

Q. As our focus is on rebuilding MAG, what are your thoughts regarding our positioning within the community?

A. As we rebuild and have success stories, it is going to be imperative that we tell everyone in the community through smart marketing.

Q. What kind of technological advancements do you think we will see in the next few years that will facilitate the mortgage processing system?

A. This is a great question. I am on an Advisory Board of a tech company that, in my opinion, will revolutionize how we look at borrower capacity. More to come on this in the next couple of months!

Q. Will there be 2014 employee/sales awards?

A. Yes! We need to recognize all of our employees for their contribution to the company.

Jamil Atcha, CEO

MAG VISITS INTERCAP CORPORATE OFFICE. A group from MAG visited the corporate office from September 8th through the 10th to observe and learn about Intercap's lending processes and procedures. Here's the group enjoying a relaxed moment at dinner. From left: Brie Sidener, Chris Arntson, Kevin Everett, Shan Dragland, Jamil Atcha, Casca Smith, Jeremy Van Beek and Sam Goosman.

september 2014 page 3

compliance trainingTHE TRAINING SCHEDULE FOR THE REMAINDER OF 2014.

As part of the on-going regulatory mandated training, a company-wide training schedule has been assigned and is provided below. Please note each section of training has it own deadline. Fortunately, the training system allows you to complete sections early if you have the extra time or if you are motivated to complete the entire training early to clear up your schedule.

To login to AllRegs Academy, go to www.allregs.com. Enter your email and password in the fields provided, then click on “Login”. Click on “Access My Courses” to begin your training.

July 31: Ability to Repay and Qualified Mortgage Rule (past due)

Aug 31 Analyzing the Fair Credit Reporting Act (past due)

Aug 31: Avoiding UDAAP Violations (past due)

Sept 30: Complying with the MDIA

Sept 30: Ethical Practices in Mortgage Lending

Oct 31: Evaluating ECOA

Oct 31: Exploring HOEPA Revisions

Nov 30: Fair Lending-Lender Responsibilities

Nov 30: Fulfilling RESPA Requirements

Dec 31: Implementing the Anti-Money Laundering

Dec 31: Rules of the BSA

Dec 31: The Practical Application of HMDA

help desk

critical dates – september-october 2014

ACTION FHA PAYOFF (FHA Streamline Refinance & Conv. w/ FHA Payoff)

NON-FHA PAYOFF (Conventional & FHA w/Conv. Payoff)

Assign to Processing 9-08-2014, 5:00 p.m. 9-08-2014, 5:00 p.m.

Submit to Underwriting 9-12-2014, 5:00 p.m. 9-12-2014, 5:00 p.m.

Prior to Doc (PTD) Conditions Submitted to Underwriting

9-19-2014, 5:00 p.m. 9-19-2014, 5:00 p.m.

Draw Docs 9-22-2014, 2:00 p.m. 9-22-2014, 2:00 p.m.

Sign Docs 9-23-2014, 5:00 p.m. 9-23-2014, 5:00 p.m.

Fund 9-29-2014, 5:00 p.m. 9-29-2014, 5:00 p.m.

Disburse 9-30-2014, 5:00 p.m. 9-30-2014, 5:00 p.m.

Deliver File to Shipping 10-06-2014, 5:00 p.m. 10-06-2014, 5:00 p.m.

Pay UFMIP 10-06-2014, 5:00 p.m. N/A

Ship to Investor 10-10-2014, 5:00 p.m. 10-10-2014, 5:00 p.m.

Settle with Investor/Clear Warehouse Line

10-14-2014, 5:00 p.m. 10-14-2014, 5:00 p.m.

THE HELP DESK IS AVAIL-ABLE on our intranet home page under the Contacts icon (middle row, far left column). Because we want you to be as productive as possible, please remember to use the Help Desk resources when trying to find out who to email or contact for your questions or concerns.

september 2014 page 4

happy anniversary!

WE ARE BLESSED WITH A WINNING TEAM of professionals here at Mortgage Advisory Group. We wish to thank the following team members for their years of dedication and enthusiasm, and for being a part of our success. We appreciate you and all you do!

Please take a moment to say hello and welcome these new employees!

Sam Goosman Funding Manager Everett

Natalie Griffin MA Assistant, Marysville

Miranda Barnett RAMP CSR, Marysville

Shan Dragland Underwriter, Remote

Bonnie Brown Funding Associate Everett

Terri Darnelle Senior Marketing Assistant, Marysville

Ian Williams Mortgage Advisor Mill Creek

8 Years Sept. 5th

3 Years Sept. 16th

Stacey Morton Mortgage Advisor Marysville

Jeremy Van Beek Sr. Product Support Analyst, Mill Creek

3 Years Sept. 6th

3 Years Sept. 19th

holidays

did you know?

new employees

Branch Manager Andres Monsalve: Encino Office

Loan Officers Robert Jimenez: Aliso Viejo Office Jimm Kelley: Aliso Viejo Office

Underwriters Jason Jackson: Corporate,CA Maria Diaz: Corporate, CA Shan Dragland: Corporate, CA, working remotely in NV

Marketing (Marysville) Miranda Barnett, RAMP CSR Terri Darnelle, Senior Marketing Assistant

Marysville Natalie Griffin, Mortgage Advisor Assistant to Kevin Everett

Funding Bonnie Brown, Funding Associate, Everett

Processing Jessica Clift, Assistant Processor

Intercap Lending & Suburban Mortgage Staff Members

Corbin Radabaugh 4 Years on Sept 8

Sharon Tanaka 4 Years on Sept 16

Kurt Stapf ................................1st

Joanne Gerry .........................3rd

Kristi Mattauch .....................8th

Christopher Banks ........... 11th

Michael Noghli ...................16th

Brandon Matthews .......... 17th

Susan Hall ............................18th

Jason Jackson ....................19th

Hao Ta .....................................20th

Josephine Edmund .........22nd

Allen Johnson ...................22nd

Nov. 27th ............... Thanksgiving

Nov. 28th .....Thanksgiving Friday

Dec. 25th .............Christmas Day

LEAF PEEPERS is an infor-mal term for people who travel to view the fall foliage in areas where leaves change col-ors, especially in New England. Some local fall-color favorite areas include: Leavenworth, North Cascades Highway, Chuckanut Drive, or save gas and visit a park near you.

september birthdays

september anniversaries

september 2014 page 5

kudos! to your healthKudos from Kevin Everett: I want to send out a HUGE thanks to Brenda Carter, Sam Goosman and Jeryl Torrick! It is truly an honor to work with these amazing women who have stepped up to the plate and are taking charge to make things happen!

Kudos from Kevin Everett: Rock Star back in action! I could not be happier about the return of Natalie Griffin to MAG, as my assistant! She is totally amazing!

Kudos from Kevin Everett: Brie Sidener, this girl is crazy good! Can't thank her enough for all of her hard work!

office eventsTHE NWMLS NORTH TOURNAMENT AT THE HARBOUR POINT GOLF COURSE in Mukilteo was held on Thursday, September 4th. It was a packed house with 144 players. The weather was sunny and warm, but a bit breezy—the wind was so stiff that we couldn’t hang the MAG banners at our table, because it was making our canopy blow over!

Jeryl Torick and Miranda Barnett took charge of the MAG table. They had a great time, and Miranda mentioned our RAMP program to everyone who stopped by. Many realtors expressed great interest in the program! We recommend you make it a point to attend next year's event, even if you don't play golf—It’s a perfect environment for networking

with realtors! We can always use more friendly faces at our table.

Miranda at the MAG Table

GETTING ENOUGH SLEEP IS ESSENTIAL. Not enough z's can lead to stress, weight gain, and an overall decline in good health. If a night of restful slumber seems out of your reach, these tips may help.

Q Drop your afternoon coffee break: Caffeine affects people differently but if tossing and turning correlates to your afternoon coffee run, now’s the time to stop.

Q Put away the cell phone: The blue light from tech devices tricks your mind into thinking it’s day, so turn off gadgets 30 minutes before you need to go to sleep.

Q Hide the light: Electronics, alarm clocks, street lamps, all of these can prevent deep sleep. Cover up anything that’s contributing to light pollution.

Q Take a warm shower: A warm shower or bath can soothe muscles; it’s also great if you’re suffering from a cold or allergies.

Q Exercise: Expend your energy for the day with exercise, and you’ll be ready to drift off to sleep as soon as you hit the hay.

Q Eat an earlier dinner: Going to sleep with a full stomach can make lying down uncomfortable. Go with an earlier, lighter dinner.

Q Put away the nightcap: Put away the wine and beer— alcoholic drinks cause restless sleep.

Q Do yoga: Besides the stress-releasing stretch, yoga helps relax the mind.

PROPERTY OF MAG The Marysville staff started labeling things around the office and couldn't stop until they labeled each other with "Property of MAG." At least if one of them wanders away they can be safely returned.

FOOD FIGHT! Looks like fun! Apparently Julie Barragan's baby shower at the Corporate office in Aliso Viejo turned into a food fight, with Mike and Fay getting a face full!