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There’s a reason you want to take your career to another level, and it isn’t because you want a better view from your office, more perks from your employer, or a

fancier business card. It’s because you believe in your professional talent enough to envision the excellence that you can achieve when paired with the right team.

I invite you to meet our people and see firsthand the high caliber of staff who populate the offices of NRL Mortgage, but before you do, consider the core values that govern our everyday operations:

INTEGRITY & HONESTY ​COMMUNICATION ​ACCOUNTABILITY ​RELIABILITY ​EMPOWERMENT

These words would look nice resting on a wall plaque, but we prefer to exercise them each day. They are evident in our customer satisfaction ratings, our employee retention, and they are reflected in the impressive growth that NRL has experienced.

In the following pages, you’ll learn more about the technology available to you as

an NRL Mortgage professional, the departments who support your efforts, and our companywide commitment to being the leader in residential lending, but I know that what will impress you the most is our people.

Every person at NRL understands the importance of the task with which we are entrusted: helping borrowers realize the dream of homeownership. There are families, stories, and aspirations behind each file we receive. Delivering excellence throughout that process is what inspires us. Join us and experience the excitement of that pursuit.

Ron Zach President

nrlmortgage.com

“

Why

NRL

Originators and branch managers join NRL

for many unique reasons. Whether it’s our ​company culture, the 24/7 hands-on support, ​flexible branch models, or competitive ​compensation packages, we create a solid ​foundation for our sales team to not only ​produce loans but create a successful and ​profitable career with NRL.

As a 12-year veteran here at NRL I have seen it all....I have watched this company grow year over year and it is remarkable

to watch NRL continue to defy any odds

to become one of the top mortgage companies in the country.

I have continued to grow my pipeline of

business and staff (growing my personal

pipeline to over 20 closings a month)

through the continual assistance from

our corporate team.

Many companies were unable to continue

success with the closing of headquarters

and corporate offices during COVID....not

us....this company has proven we will

rise to the challenge and even grow

during these difficult times! I am proud to

be part of this NRL family!

Jenni Rivera

Branch Manager | Austin, TX

Our

PURPOSE

TO PROVIDE THE ​MOST RELIABLE ​MORTGAGE ​EXPERIENCE

nrlmortgage.com

NRL by the

NUMBERS

53%

FEMALE

47%

MALE

HISPANIC/LATINO

AFRICAN AMERICAN/BLACK

2.2%

ASIAN

8.9%

TWO OR MORE RACES

45K

In 2007, we served 52 ​borrowers. By 2020, that ​number increased to over ​45,000

$246,000

Since 2007, NRL Mortgage ​has donated over $200,000 to ​local charities

1/3 of our top producing loan ​originators are female

Our Company has a 4.8/5 star ​rating on Google

94%

Net Promoter Score

Our borrowers & coborrowers survey ​their experience after their loan funds

Our Sales

CULTURE

Our motto is

“the flatter, the better”

when it comes to sales hierarchy. We don’t believe in having our branch managers report to a ​regional manager. At NRL, our branch managers have an open-door relationship with our entire ​executive team.

We’re fully committed to the success of our originators, their career with us, and building

the necessary tools for extreme efficiency. The secret to our success is quite simple: We put ​production first. This was the basis for creating our 121 commitment. By utilizing all resources ​and providing our originators the tools they need to succeed, we are providing the most reliable ​experience to our sales team.

DISCLOSURE DESK

UNDERWRITING DECISION

CLOSING DOCUMENTS

Receive your disclosure ​within 1 business day

Receive your underwriting

decision in 2 business days

from “received in UW” milestone.

Receive your closing documents ​within 1 business day (or less) ​once your loan is the

“received to closing” milestone.

About

ACCELERATE

Imagine the ultimate homebuying experience for your ​most exclusive clients and Realtors with the Accelerate ​Package. Purchasing a home is an emotional and ​unforgettable experience for all homebuyers; we know ​the stress that can build up for our most important ​clientele.

This is the reason behind building the Accelerate ​Package, with expedited and top-level service from ​Disclosure Desk, Underwriting, Closing, and Funding– ​your borrowers will not skip a beat while their loan is ​accelerated through the process.

DISCLOSURE DESK ​CD: 1hr tun-time

COC: 30 min turn-time

UNDERWRITING

Initial Decision: 4 hour turn-time

Resubmission: 3 hour turn-time

No Quatrro or QC Pre-funding review

CLOSING

4 hour lead time

FUNDING

On the spot

Reach out to your NRL rep for more details and

the cost per file for the Accelerate Package.

We understand that no two branch managers are

the same. Each has their own market, operations,

and management style. NRL branch managers have the flexibility to build their branches, branch P&L, compensation model, and overall branch structure the way they like. Our branches are truly operated with autonomy by their managers, while receiving the support needed from the corporate office. Share your vision with us.

Striving for

EXCELLENCE

Residential lending is more than loan ​processing, underwriting, and closing. It is ​about making it possible for our borrowers ​to achieve a deeply held personal goal.

For most people, a home purchase is the ​biggest financial commitment of their lives.

Each NRL associate in our operations team

takes that responsibility to heart and strives for timely closings on every loan. Why? Because we recognize that behind every file is a family beginning their next chapter.

94%

Average customer ​satisfaction rating

“The NRL Team would answer any questions that we ​had concerning the property. They were there for us ​through out the whole expereince until closing.”

Cristine H. | Austin TX

“NRL said they would do their best to close as soon ​as possible and they did! Very helpful!”

Kyle W. | Houston, TX

“My loan officer kept me informed of my status and ​did everything he could to get me and my family

in the house that we wanted. He was great and a ​blessing through the whole process.”

Ashley A. | Cincinnati, OH

NRL is committed to the success of our employees, and we know that begins with a structured onboarding process.

Our onboarding process is completely hands-on and led by a key NRL associate. With our Transition Advantage calls, you'll have the opportunity to speak with the head of each key department every day for weeks until you are officially licensed & onboarded. This process allows for all Originators and Branch Managers to flush out any questions and concerns they have in a timely manner, while receiving key decisions and information from key NRL Directors and Managers.

Marketing

STUDIO

As experts in our industry, we see our loan products and our services in a different light than our customers. While you readily perceive what makes your business different, your customer’s primary concern is what your services can accomplish for them. Chances are, your competitors can do the same thing.

Your customer will decide to move forward with the company they “feel best” about. Our job is to make sure they feel best about yours. One thing is certain – effective marketing is a business tool that is required to grow and build your production.

With Marketing Studio you’ll have complete access as an originator to advanced technology, comprehensive marketing services, and 24/7 support.

ROBUST MARKETING AUTOMATION ​CUSTOM CAMPAIGN CREATION

REALTOR PARTNER TOOLS

SINGLE PROPERTY WEBSITES ​OPEN HOUSE FLYERS

DIGITAL TOOLS

SCENARIO CALCULATORS PAID SOCIAL CAMPAIGNS

Cutting-Edge

TECHNOLOGY

You have access to the best industry-leading tools available to close loans and automate your outreach to past clients, referral partners, and your network.

Our state-of-the-art CRM system provides robust marketing — select your campaign

and let it work for you.

Individual Loan Originator and Branch websites allow online applications, lead ​generation, client portals for real-time status and document uploads, and ensure ​that your “brand” is easily found in the marketplace.

Our company intranet is your one-stop site for all things NRL: training, guidelines, ​policies, custom marketing requests, company contacts, requisition forms, benefits ​information, and a forum in which to have all your questions answered by the ​relevant department.

Our Help Desk team resolves issues fast so that your team can keep moving.

Onboarding &

TRAINING

Our new hire training program, NRL University best practices, technology, and culture, in addition to company policies and department introductions. Through our dynamic learning management platform employees have the ability to find the answers to their questions quickly and access continually updated training tools and compliance training videos.

NEW HIRE TRAINING OPTIONS

1

FACE-TO-FACE INSTRUCTORLED TRAINING

2

3

VIRTUAL REAL-TIME SESSIONS WITH OUR LEARNING & DEVELOPMENT

TRAINER

ON-DEMAND TRAINING

Work Hard

PLAY HARD

Every year, NRL rewards our qualifying top producers through special incentives like an all-expense paid awards trip. Each year, originators are able to qualify for a trip to a tropical resort through the President’s Club, a contest for Branch and Sales Managers or the Captain’s Club, a contest for Loan Originators. Through the President’s Club & Captain’s Club, winners are flown to a destination resort with a guest for an all-expenses- paid weekend getaway filled with luxury activities and amenities.

WITH THE ​EXECUTIVE TEAM

RON ZACH + MEWAEL GHEBREMICHAEL + ​MICHAEL ALLEN

Q. A.

Tell me about how the company got started and how you helped to build this business?

Michael: Our initial idea was to model NRL from the company that we came from, which was built for a nonprime refinance market. As soon as we started the company, the market imploded, and we had to totally change our focus on how we were going to do business. Making that pivot was challenging, but the learning experience equipped us with the capacity to take NRL into the future.

Q. A.

Describe what NRL will look like in 10 years.

Ron: I plan to continue to grow. Today, we are focused on efficiencies and profitability, so our objective moving forward is growing the right way, not growing just to grow. I want to give our employees the opportunity to grow personally, grow

in their departments, and grow in the company.

Mewael: In the next 10 years, I would

like us to build around our reliability commitment and grow with our people. I think its super important that we develop our team, because if we pour into our people, that will come back to us tenfold.

Michael: I think in the next 10 years we are going to continue to move up the rankings as one of the top independent mortgage bankers in the country, not just in volume, but in exceptional customer service.

Q.

A.

Q.

A.

In the past few years, NRL has earned several awards and recognitions while simultaneously experiencing significant growth. What do you think has been the catalyst to that success?

Ron: In one word, I’d have to say it’s the people. As we’re celebrating 10 years of

being an independent mortgage bank, it’s exciting to know that we have team members that started with us in the beginning and have stayed and grown with us to what we’ve become today.

Mewael: I think what makes us so successful is the fact that we’re nimble. We went through a learning curve with new compliance regulations from Dodd Frank to the CFPB, and now we’re at a point where we have the aptitude to make decisions quickly and accurately on every file.

Most mortgage companies offer similar loan programs and products, so it can be difficult to determine what makes your company unique. What are you doing to differentiate NRL from the rest of the industry?

Mewael: We have several key initiatives that we’re working on to become leaders in our use of technology in the industry. We’ve been diligent about finding the right partners to get us

ahead of the game from a technical standpoint.

Ron: Technology is obviously important and it’s the future of the industry. I think another key initiative we’re focusing on is quality talent acquisition. We’re honing in our process to curate a team with the capabilities to take our company to the next level.

Michael: Even though we’re a mortgage company, our product isn’t really our loan programs. Our true product is the customer experience, and we differentiate ourselves from the rest of the industry with the level of care and consideration that we put into every file. We never let ourselves forget that we aren’t simply making transactions, we are making people homeowners. That is what motivates us to make our buying experience the best in the business.

A Culture of

GIVING

MY NRL FAMILY THOUGHT OF ME...

“As much love that I have in my heart for my family at NRL, that love went to a new place when my family and I were cleaning our home after the destruction of Hurricane Harvey, and I received a phone call from Ron saying NRL had taken up donations for my family to help in relief.

Everyone in Houston knew someone that was negatively impacted, it’s heartwarming to know my NRL family thought of me and wanted to help my family in getting our life back to normal. This is something we are very thankful for and will never forget.

On behalf of my family, I want to say thank you!” ​Chris Sherrard

Loan Originator | Houston, TX

Our Sales

CULTURE

KEY

APPROVED

ON HOLD  LOCAL OFFICE/RESIDENT REQUIRED

Our

BENEFITS

MEDICAL

NRL Mortgage offers all full-time associates the option to elect benefits after 30 days of employment. Full-time associates, spouses, and dependent child(ren) to the age of 26 are eligible for medical, dental, and vision benefits provided by Aetna Health.

Healthcare benefits offered through Aetna provide three medical plan options: Base, Middle, and Buy-Up. Associates also have access to TELADOC, a 24/7 service that allows you to talk to licensed doctors to treat minor infections/illnesses. In addition, TELADOC gives you options to seek doctors specialized in mental health and dermatology care. All these services are billed as a primary care office visit to meet your needs.

For more information, please visit www.aetna.com.

DENTAL

The dental program offered through Aetna Health provides dental care, regular checkups, cleanings, and X-rays. NRL associates will have access to a Passive PPO plan for participating/non-participating providers that fully cover preventative maintenance cleaning along with coverage for major services after a deductible. The Passive PPO covers your basic services after 80% of your deductible is met, and major services will be paid after 50% of your deductible is met.

To find a provider near you go, please visit www.aetnadental.com.

VISION

Aetna also offers eligible NRL associates an affordable vision plan through their benefits program. Employees have multiple options through In-Network providers for eyeglass lenses and frames for a low copay of $10. In addition, the program includes a $130 allowance for conventional contacts and any brand of frames.

To find a network vision provider, visit www.aetna.com.

LIFE

DISABILITY

All full-time NRL Associates who are “actively at work” receive Basic Term Life insurance and AD&D paid on behalf of NRL Mortgage, provided through BCBS. All NRL associates are provided a benefit of $20,000 with a Conversion Option, Waiver of Premium and Accelerated Death Benefit included. Associates are required to name a beneficiary for their Basic Life insurance benefits.

NRL Mortgage is also pleased to offer additional resources, such as grief counseling, funeral planning and WillCenter, which is offered with our Basic Life benefits at no additional cost. To learn more about the additional resources, please reach out to Human Resources.

The Short Term Disability (STD) plan is a voluntary plan which provides partial income for full-time employees who are unable to work due to illness, pregnant or injury. Benefits are offered through BCBS for associates who are “actively at work” on the effective date of coverage, otherwise coverage is postponed until you return to work.

401K

NRL is pleased to offer 401K. A 401(k) is an investment plan that allows employees to contribute a percentage of their pay to a designated retirement account. Contributions to the 401(k) are invested in a portfolio made up of mutual funds, stocks, bonds, money market funds, savings accounts, and other investment options, as permitted by the plan. These deferred contributions are usually taxable only when the employee makes a withdrawal. 401(k) plans offer a good way for employees to save money for their futures.