THE

EXPERIENCE

REALTORMEETINGS

ON-THE-GOMEETINGS

COFFEEMEETINGS

IN PERSONOFFICE MEETINGS

LUNCH& LEARNS

TOTAL COST ANALYSIS

Mortgage Coach is provided to all Finance of America Mortgage professionals so

everyone can make a confident mortgage decision. The app gives you the ability to

easily provide clear advice, simple charts, and detailed options. Ensure the right loan

choice is always clear for the people you serve. Create a Total Cost Analysis today.

Mortgage Coach is available on your app store.

Mortgage Coach Total Cost Analysis

makes it easy for loan officers to educate

borrowers and help them make confident

mortgage decisions with clear advice,

simple charts, and detailed loan options.

Mortgage Coach has three powerful solutions all

with native mobile apps for iOS or Android Device.

MORTGAGE COACH SUITE OF APPS

RateWatch puts critical mortgage

insight such as detailed real-time MBS

movement on the mobile device that is

visually impressive and easy to share.

My Nest is the ultimate real estate camera, solving

a very important problem for anyone looking for a

home today. Our lenders can provide this

innovative method to help borrowers earlier in

their home purchase process and create stronger

relationships with existing trusted Realtor partners.

My

Nest

WHAT WHY

WHOWE ARE HOW

Mortgage Coach is the most effective

technology to help loan officers turn a

prospect into a client for life by helping the

borrower visualize how they can achieve their

goals by selecting the best mortgage

program.

Mortgage Coach helps to educate the borrower every

time important calculations are involved such as APR,

rates, fees, and TIP. Mortgage Coach makes it easy

and effective for lenders to deliver clear financial

details to borrowers and Realtors with graphics,

charts, and videos, on any device. Mortgage

Coach also seamlessly integrates with Integra,Coach also seamlessly integrates with Integra,

ensuring the right loan choice is clear for borrowers.

The nation’s best mortgage professionals are great

teachers; they help borrowers understand their loan

options. Mortgage Coach disposes of confusion

quickly while enhancing the connection and

conversation between lender and homebuyer.

Thousands of banks and mortgage lenders rely on

Mortgage Coach to tuMortgage Coach to turn borrower education into a

competitive advantage.

Mortgage Coach has been trusted by top

lenders to power their personalized borrower

education presentation, turning transparency

and borrower education into a competitive

advantage for over 15 years.

With numerous native mobile apps available

on the Apple App Stoon the Apple App Store and Google Play,

Mortgage Coach is the industry’s most

experienced expert at bringing top lending

brands to the devices families and Realtors use

most, delivering millions of app experiences to

borrowers nationwide.

THE MORTGAGE COACHWORKFLOW EXPERIENCE

With clear mortgage options, Realtors love Mortgage Coach equipped

professionals. Families have the advice of their personal lending expert on

hand anytime, anywhere. When the perfect home is found, a confident offer

can be made.

Help make the dream of homeownership possible for more people everyday

with Mortgage Coach.

Mortgage Coach availableon your app store.

CONFIDENCEWITH A TOTAL COST ANALYSIS

THE ULTIMATEOPEN HOUSE EXPERIENCE

Mortgage Coach Open House Experiences are better than ever.

Most loan officers provide Realtors with Open House flyers. Mortgage Coach

professionals provide Realtors with Open House Experiences by co-branding a mobile

app and making it super easy to add a personal video from your mobile phone.

INSTANTLY START YOURTOTAL COST ANALYSISFROM INTEGRA

Take loan details entered into the LOS and generate a Total Cost Analysis

experience with Finance of America’s unique Integra Mortgage Coach integration.

1 CLICK ON the Mortgage Coach task under the select

process menu, on the loan page.

HOW TO USE THE INTEGRAINTEGRATION WITH MORTGAGE COACH

2 CLICK ON GENERATE REPORT on the resulting Mortgage Coach page.

3 As the program generates your report, it will automatically pull up your web browser and generate a report with all your input data.

* For further instructions, please see this video: http://youtu.be/rlHFFHpB4ZM

1

1 SELECT the App Store icon on your home screen.

2 Select the Search button on the bottom of your App Store page.

SEARCH for “Mortgage Coach,” “RateWatch,” or “Nest.”

DOWNLOAD MORTGAGE COACH APPS ON iOS

2

3 GET the desired app. Once you select GET, the same button text will change to INSTALL.

INSTALL and the app will begin downloading.A circle status bar with a stop button in the center will indicate the progress of the download.

4 OPEN the app once the download completes.Once the app is finished downloading, circle status bar will say OPEN.

3

1 SELECT the Play Store icon on your home screen.

2 Find the search bar at thetop of the Play Store.

SEARCH for “Mortgage Coach,” “RateWatch,” or “Nest.”

DOWNLOAD MORTGAGE COACH APPS ON ANDROID

4

3 CLICK on the desired app.

Click on INSTALL.

4 OPEN the app once the download completes.

Click on ACCEPT.

ALWAYS BEAN EXPERT

RateWatch availableon your app store.

Stay ahead of market changes by tracking real-time MBS movements and

economic insights from the palm of your hand. Share market updates via text,

email and social media. Deliver real-time market advice like never before.

1

1 iPhone:CLICK ON SHARE at the right hand corner of the screen.

HOW TO SHARE RATEWATCH

2 From the resulting menu, CHOOSE how you would like to share your report:

1 Android:CLICK ON on the top bar at the right of the screen.

TALKING POINTS will help make you the obvious choice with borrowers and Realtors.

TALKING POINTS WITH BORROWERS • “What differentiates me from most loan

officers is that I work with our borrowers as

a mortgage professional using a Total Cost

Analysis to show how they can potentially

save tens of thousands of dollars over the

life of the loan.”

• “The CFPB wants to make sure when

families get into mortgage debt, they

understand all possible loan options. This

Total Cost Analysis gives you the most

complete overview available of each

scenario that can work for you.”

• “Understanding TIP (Total Interest Percentage)

helps make the importance of a mortgage

decision even more clear and obvious.”

• “TIP (Total Interest Percentage) helps you

understand the long term investment

required for each mortgage option.”

• “TIP & Total cost over 5 years combined

with a Total Cost Analysis provides the

entire picture by illustrating the other

important benefits and impact of each

option, helping families make an informed

decision. ”

• “Has your lender completed a Total Cost

Analysis on your transaction to show you

multiple strategies to help achieve your

goals?”

• “The Total Cost Analysis I provide is simple to

understand with graphs, charts, and a personal

video message from me explaining their

individual options and loan details.”

TALKING POINTS WITH REALTORS• “Has your lender completed a Total Cost

Analysis on your transaction and shown you

multiple strategies to help you achieve your

financial goals and potentially save you tens of

thousands of dollars on your mortgage over

time?”

• “Did your lender show you a Total Cost

Analysis to help you select a mortgage that

will help you achieve your long and short-term

financial goals?”

• “One of my service standards is to make sure

all my clients get a Total Cost Analysis even

if they are already pre-approved. I do this

because a Total Cost Analysis clearly shows the

actual true and real cost of home ownership

over time. This can potentially save you tens

of thousands of dollars and help you become

deft free faster.”

• “Second opinions on the largest transactions

of your life is always a good thing and could

potentially save you thousands.”

HELP INTRODUCE YOUR TOTAL COST ANALYSIS

“<Borrowers name>, purchasing a new home is one of the biggest financial decisions we can make in life. After learning what your personal and financial goals are, my approach is to provide you with a clear Total Cost Analysis, that you can see on your phone or computer, to understand how you will achieve your financial goals and potentially save tens of thousands of dollars over the life of your loan.”

“I just texted/emailed a link to you. When you click it, you will be asked to download Mortgage Coach so you can instantly see your own personal Total Cost Analysis. If you email me or call me for an update, you can view any changes we cover in your updated Total Cost Analysis.”

MORTGAGE COACH CONVERSATIONSThe Mortgage Coach Total Cost Analysis shows the various loan options on any device with graphs, videos, and a simple view of the total cost of the loan over time to help everyone make the best mortgage decision.

Click once on your info on the home page and then click “Share Report” as seen on the top right corner of the pop-up.

From the resulting menu, choose how you would like to share your report: Email or SMS (text).

To share, open any presentation and “View Report”.

On every call, with any possible borrower, at any stage in the process:EMAIL OR TEXT THE LINK

1

2

3

VIDEO REVIEW CHECKLIST

CORE QUESTIONS: Did I... £ Mention the names of the borrower? £ Endorse or mention referral sources? £ Repeat the top goals of the borrower? £ CHALLENGE and EDUCATE the client? £ Highlight key benefits of the options presented? £ Emphasize benefits over time to align savings to big goals and life style

like paying off the debt 10 years after and saving X over 10-20 years? £ Mention any other key members of the buying team and recommend

sharing the MC link with other family members, friends or trusted advisors in the mortgage decision?

£ Close with a simple call to action and excitement about working together?

VIDEO ANALYSIS £ How was my energy? £ Is my video less than 2 minutes and did I keep eye contact from start to

finish? £ Does the message align with the borrower and Realtors goals? £ How simply did I describe their loan options? £ How much do they perceive I really care about helping them make a

confident decision? £ How much did I honor the referral partner? £ Did I tailor, teach and provide leadership to this client at the highest

possible level? £ Is the background simple and professional?

(reduce distractions and unprofessional backdrop items)

1 SELECT the login icon on thetop left corner of the screen.If this is the first time using the mobile app since our update, you will be prompted with this welcome screen.

HOW TO ADD A VIDEO

2 ENTER your email and password on the Mortgage Coach Pro Login Page.

3 SELECT Clients or Partners.

4 SELECT a client/presentation.

5SELECT TOTAL COST ANALYSIS on the pop-up window to add your video.

6 SELECT video.

7 RECORD video.Your camera has now launched and you can click the red button to record your message. As this is a native app, the camera works how you would expect for an iPhone or Android device.

8 Now you are done adding your video! A pop-up will notify you that your video is uploading.

SELECT done.

An Alert message will notify you to wait a few minutes for the video to be available. It takes about 5 minutes for the video to be live.

You can check out your report on your mobile phone by selecting your presentation on your Clients and Clients page.

1

1 SELECT the login icon on thetop left corner of the screen.If this is the first time using the mobile app since our update, you will be prompted with this welcome screen.

HOW TO HIGHLIGHT IN REAL TIME

2 ENTER your email and password on the Mortgage Coach Pro Login Page.

2

3 SELECT Clients or Partners.

4 SELECT a client/presentation.

5SELECT TOTAL COST ANALYSIS on the pop-up window.

3

6 SELECT Live Reporting.

7 GUIDE your presentation.The app will direct you to the report you chose. As you move through the presentation, select different charts, and highlight fields, the client will see the same happening on their preferred device, from mobile to desktop.

HOME-SHOPPINGREINVENTED

My

Nest

CAPTURE EVERYIMPORTANT DETAILOF EACH ROOM

CLEAR MORTGAGEADVICE WITH ATOTAL COSTANALYSIS

CREATE A DETAILEDPROFILE FOR EACH HOUSE

TAKEPICTURES,VIDEOS,AND AUDIOMESSAGES

1 To share, CLICK ON SHAREbelow the imageof the home.

HOW TO SHARE MY NEST

2 From the resulting menu, CHOOSE how you would like to share your property.

CONNECTWITH HOMEBUYERSANYWHEREPERIOD.

Clear Communication at Your Fingertips. Deliver the modern mortgage

experience with video narration directly from your mobile device. Stay in the

know of when your presentations have been viewed with mobile report tracking.

Download Mortgage Coach on your mobile device today!

Mortgage Coach available on your app store.

BRANDED

YOUR CONTACT INFO

SHAREABLE

In the next three years, smartphone users will increase by 20%, potentially generating 36 MILLION new mortgage customers. All

generations love their smart phone, not just the “millennials.” With Mortgage Coach, you have the ability to show your benefits in an

instant on your client’s favorite mobile device and update the information real-time, making your conversations instantly more effective.

America’s Growing Smartphone Consumption

Take loan details entered into the LOS and generate a Total Cost Analysisexperience with Finance of America’s unique Integra Mortgage Coach integration.

INSTANTLY START YOURTOTAL COST ANALYSISFROM INTEGRA

MORTGAGE COACH HELPS INCREASE SALES WITH MILLENNIAL HOMEBUYERS

TECH SAVVY

OWN ASMART PHONEAND SPEND AN AVERAGE OF35 HRS PER WEEKON SOCIAL MEDIA (Simmons)

90%

RELATIONSHIP

84%OF MILLENNIALSW I L L R E LY O NREFERRALSTO MAKE PURCHASING DECISIONS(Barkley)

DESIRE TO OWN

90%OF YOUNG RENTERSREPORTED A DESIRE TO

SOMEDAY (Trulia)OWN A HOME

HOME & MARRIAGE

38%SAID THEY WOULD POSTPONEA WEDDING TO PUT A

ON A HOUSE (Redfin)DOWN PAYMENT

Millennials want:• To feel empowered to make decisions• To have all of the information about their loan options and stay informed throughout the purchasing process• Information presented in a digital format•• Communication through technology• Consistent communication• To work with an advisor or expert, rather than a salesman• High quality product and experience

MILLENNIAL STATS:

Millennials are skeptical of the mortgage process and expect loan officers to care only about their commission. However, through a transparent and educational experience, loan officers can demonstrate their commitment to the customer and the value of their role in the mortgage process. By providing consistent informainformation over a digital platform, Millennials are more likely to feel confident in the process and identify the loan officer as a trusted resource.

DELIVER WHAT THECUSTOMER NEEDS AND WHAT REGULATORSWANT INSTANTLY

It has never been more important to deliver a fully compliant sales conversation and educate the consumer about mortgage choices.

As noted by the CFPB, understanding options is a big hurdle for many homebuyers. Mortgage Coach eliminates confusion while

enhancing the connection and conversation between lender and homebuyer.

The CFPB’s stated vision is to encourage a consumer finance marketplace where customers can see prices and risks up front and

where they can easily make product comparisons; a marketplace that works for American consumers, responsible providers, and

the economy as a whole. Mortgage Coach capabilities enable you to achieving these goals in every conversation with 7

key-components addkey-components addressing the most pressing compliance concerns.

Mortgage Coach empowers loan officers to ensure

they provide clear and transparent education to every

buyer in an easy-to-digest format.

Mortgage Coach provides an automated system that

ensures consistency in quality service and reduces

disparate impact in rate quotes during the customer

experience.experience.

Mortgage Coach allows buyers to compare loan

options easily and reduces risk of product steering.

Mortgage Coach provides the necessary precise

calculations and clear terms to ensure compliant

communication with buyers and realtors from the

pre-approval process to closing.

Mortgage Coach documents all iterations of the Total

Cost Analyses while also notating the date/time of each

presentation view.

Mortgage Coach empowers loan officers to effectively

describe the total cost of the loan in a simple format,

ensuring compliant education and quality customer

experience. experience.

Mortgage Coach provides ongoing training and access

to Help Resources to support their understanding on

how to use Mortgage Coach solution.

1 Education

2 Consistencyin rate quotes and borrower experience

3 Transparency

4 Communication & Accuracy

5 Documentationof Communication & Changes

6 Total Cost Analysis

7 Training to Loan Officers

JOE PUTHUR

DAVE SAVAGE

o

o

oo

o

oo o

o

o

o

o

o

o

o

ooo

GLENN BILL

DARREN HARDY TOM FERRY

KEN PERRYSTEVE HARNEY

BILL HART

RIC EDELMAN

STEVE SCANLON

NIKKI GROFFRICK RIPMA

CINDY ERTMANFELISHA JUNGESIMON SINEK

ANTHONYIANNARINO

JEREMYFORCIERPHIL BLACK

KRISTINMESSERLI BILL GAYLORD

DAVE RAMSEY LINDA MCKINLEY

DAN KELLER

HAL ELROD SAM HANSEN

KEN DELEON

ANNE LOEHR

ROB CHRISMAN

HANS BRUHNERS KEITH AKADA MICHAEL REGAN ROBERT RING DANNY HORANYI CRAIG PROCTOR

DAN RAWTICH

ERIC UNION CRAIG STRENT

HUNTERMARCKWARDT

MIKE WHITE

ROBERTOMONACO

SCOTTCUMMINGS

BRIAN BOMAR

TIM BRAHEEM

DANIELHARKAVY

JASENNUETZMANN JOSH METTLE

TODD DUNCAN

LOUISE THAXTON

STEVE HARNEYoMICHAEL MAHER

Dave Savage, CEO and Founder of Mortgage Coach celebrates 7

years, and over 400 interviews with the industry's top leaders,

mortgage professionals, inspirational leaders, authors and celebrity

speakers on the weekly Tuesday sales and coaching call.

Join us Weekly: http://mcedge.tv/interview

The Tuesday Interviewwith Dave Savage

9am Pacific / 12pm Eastern

TRAINING

MONDAY: Introduction to Mortgage Coach

9am Pacific/12pm Eastern

TUESDAY:Interview with Dave Savage9am Pacific/12pm Eastern

WEDNESDAY: Mobile Conversations

11am Pacific/2pm Eastern

THURSDAY: Q&A Training

9am Pacific/12pm Eastern

SESSIONS HELD 3 WEEKS MONTHLY:Mortgage Coach University8am Pacific/11am Eastern

INSTANTUPDATES

REAL-TIMEHIGHLIGHTING

TRACKVIEWS

VIDEORECORDING

SHAREREPORTS

EASY-TO-READCHARTS