1. I N S I D E T H I S I S S U E :
A N N O U N C E M E N T S P 2 P I C S F R O M H A L L O W E E N P 3 W H O A M I P 5 W H O ’ S I N T H E K I T C H E N P 6 W H AT ’ S T H E N U M B E R S P 8
W
hile Memorial Day is a day to honor
those who died while serving
our nation by remembering the
sacrifice they made, Veterans Day pays
tribute to all veterans, both living and
deceased. Public observances vary from
small town parades with local veterans
riding on floats to an official wreath-laying
ceremony at the Tomb of the Unknowns in
Arlington National Cemetery.
Although most Americans are aware that
the Tomb of the Unknowns is a monument
dedicated to unknown soldiers who
sacrificed their lives defending America in
World War I, War II and the Korean War,
most Americans do not know the degree to
which soldiers go to honor these veterans.
Since 1948, soldiers have guarded the Tomb
of the Unknowns 24 hours a day, 365 days a
year regardless of weather.
The soldiers bravely remain at their posts,
just as they stayed on duty during Hurricanes
Isabel and Irene as well as the 2010 blizzard
which shut down the capital for days. Tomb
Sentinels have the option of standing their
watch over America’s fallen heroes under a
tent when it rains, but they have consistently
declined to do so.
Fewer than 20 percent of all volunteers are
accepted for training and of those only a
fraction pass training to become full-fledged
Tomb Guards. Considered one of the highest
honors to serve as a Sentinel at Arlington
Cemetery’s Tomb of the Unknowns, this
inspirational picture is a reminder of the
service soldiers provide and displays the
true honor, courage and commitment of the
United States Military. The Guards of Honor
at the Tomb of the Unknowns are highly
motivated and proud to honor all American
service members who are “Known But to
God.”
On this Veterans Day, we would like to thank
all the men and women who bravely served
and sacrificed for the freedoms we have
today. We are proud to honor you.
C O M M I T M E N T T H R O U G H T H E S T O R M
Our mission is to provide exceptional customer service
to everyone we come in contact with going beyond
the expected while establishing and maintaining
relationships that are built on trust and respect;
demonstrating a high regard for integrity and our
commitment to doing things right the first time.
Our employees, customers and competitors will know
us as the standard by which others are measured.
Our decisions and actions demonstrate four core
values that we believe create long-term benefits for
our customers, each other and the communities we
serve.
We act with INTEGRITY...
In all we do, we hold ourselves personally accountable
for our behavior and actions; committed to business
ethics that demonstrate honesty, trust and respect in
all aspects of our work, providing quality leadership in
people, product, process and service.
We value RELATIONSHIPS...
Wefosterstrongandlong-lasting workingrelationships;
consistently striving to treat our colleagues and
customers with the respect they deserve and take
pride in the significant contributions that come from
the diversity of the individuals and their ideas.
We take pride in our CUSTOMER SERVICE...
Our customer service exceeds expectations and we
take responsibility for customer satisfaction. We are
responsive, accurate, proactive and dedicated to not
just meeting but exceeding the expectations of all our
customers; internally and externally.
We are committed to LOYALTY...
We cherish loyalty because of all it represents and
we are sincerely committed to expressing our loyalty
through our dedication and devotion to our customers,
obligations, commitments and to one another.
O U R M I S S I O N
N O V 2 0 1 2
O U R VA L U E S
ICONNECT
THE
S I R R O D E H E AV E R a n d E L I S A A L L E N
Soldiers of the 3rd Inf Reg. Continue to stand guard at the Tomb of the Unknown Soldier,
despite the worsening weather conditions. Picture taken on Sept 18, 2012.

2. OCTOBER ANNIVERSARIES
Herb Lau - 5 years
Julian Villanueva - 4 years
Peggy Douglas - 4 years
Terry Bloes - 3 years
Cynthia Ellenburg - 3 years
Dena Ress - 3 years
Reyne Franco - 2 years
Kenna Johnston - 2 years
Nikki Ngo - 2 years
May Vue - 2 years
James Banuelos - 2 years
Veronica Tillis - 2 years
Tiffany Johnson - 1 year
Help us with our hiring efforts by referring
qualified candidate that you know or have
worked with be-fore. We’re extending the
$1,000 referral bonus! Check with HR for
details.
We have openings for talented individuals
in...
Operations
• Account Managers
• Loan Setup/Intake
• Underwriters
• Funders
• Document Drawers
• Supervisors / Managers
Sales
• Account Executives Nation-wide
• Retail Loan Officers
WE WANTED TO LET YOU KNOW HOW MUCH WE APPRECIATE EVERYTHING YOU DO.
BEST WISHES FOR ANOTHER SUCCESSFUL YEAR.
O N Y O U R A N N I V E R S A RY
H I R I N G N E W S
Please join the executive team in welcoming Jeff
Lisinicchia [listen-ick-ee-uh] as Icon’s Chief Financial
Officer. Jeff joins ICON after a successful career with
Peak Corporate Network. He formerly worked at
Greenlight Financial Services for many years as Chief
Financial Officer and GMAC Mortgage Corporation
in various positions, including VP of Finance of the
DiTech division and CFO of its mortgage REIT. Jeff has
an exceptional track record for facilitating growth and
instituting consolidated financial reporting practices
providing accurate and timely results.
Also joining Icon is our new Senior Vice President of
Service Management Sue Anthony. Sue joins ICON
after a successful career with Global Logic Advisors.
She formerly worked at First Franklin Financial
Corporation, a Merrill Lynch company, for many years
in various positions, including Director. Sue has
an exceptional track record for delivering profitable
solutions that exceed expectations, with measurable
results, in information technology, business operations
and management.
A N N O U N C E M E N T S
OCTOBER NEW HIRES
Arman Chapa - Account Executive
Janee Reeder - Account Executive
Kris Buckley - Account Executive
Kenneth Schultz - Account Executive
John “Ted” Sweeney - Account Executive
Sean Finn - Midwest Area Sales Manager
Michael Broyles - Account Executive
Dennis Dziubek - Account Executive
Karen Van - FHA Underwriter
Guadalupe Villegas - Doc Drawer
Cindy Breece-Garr - Funder
Sandra Garcia - Loan Set Up Associate
Frederick De Guzman - Funder
Gregory Chee - Doc Drawer
Tamara Cota - Funder
Alynne Clay - Funder
Richelle Brown - Account Manager
Hilcia Winemberg - AM Team Lead
Cassandra Winkelman - Post Closing Associate
Kerry Wilds - Loan Set Up Associate
RJ Arnett - EVP, Wholsale Lending
Andy Pollock - CEO
Sue Anthony - SVP, Service Management
Jeffrey Lisinicchia - CFO

3. I C O N & O VAT I O N H A L L O W E E N C O N T E S T

5. GOING COASTAL
I was born in Springfield, IL and grew up in Westfield Center, OH. I grew up running and playing soccer, being a kid and I have great
memories of swim meets, playing outside and never wanting to be indoors. Not much has changed!
I served in the USCG for 6 years in D17 Alaska. Our primary mission was to serve and
safeguard the public, protect the environment and its resources, and defend the Nation’s
interests in the Alaskan maritime region. As a rescue swimmer, my primary duties were
saving lives, providing emergency medical support, and maintaining the survival equipment
our rescue missions depended on in emergencies. I learned the value of being a team
player.
We performed numerous search and rescue
missions throughout Southeast Alaska and
the surrounding islands.
I currently reside in Longmont, Colorado, about 30 minutes North of Denver and enjoy
time spent doing church related activities, family and volunteering in my local community.
I also enjoy skiing and hiking in the Rockies.
I am excited about the future of Icon and look forward to many years of service ahead.
I wanted to share a quote I like, “I wish I was half the man, my dog thinks I am.” God
Bless!
Who am I? My name is Jeff Stahl and I serve as an outside AE in Colorado, as part of
the Western Region.
FROM BOY SCOUT TO POLICEMAN
I was born in Torrance, California and grew up in the suburbs of Los
Angeles near Gardena. I was a Boy Scout and athlete who loved and
played baseball. I had professional aspirations and played up to my first
year of college. I had the pleasure of competing against and knowing
some baseball players who eventually became stars in the Major
Leagues.
I worked while attending college full time and completed my degree
in four years, without a student loan. Believe it or not, I was drafted
into the US Army after college and I served honorably for two years
as a Military Policeman. I spent eighteen months in Stuttgart, West
Germany. I loved my job and
was able to work and attend the
Munich Olympics and travel Europe. I was also a member of the Honor Guard.
My beautiful wife, Sharon, and I have two children, Tracy and Matthew. We have been
blessed with three grandchildren; Kevin, Syriah and Shamari. Family is important to me so
Thanksgiving and Christmas are special. Usually we have the family gathering at our home
during the Holidays where we all have a great time.
I love the outdoors where I like to hunt and fish. I love sports and I am an avid Lakers fan.
I have three dogs that keep me and my wife busy.
I have been in this business for many years and I am still passionate about what I do.
Working at Icon is like a family because everyone has been so nice and helpful to me. I can
truly say that I learn something new every day and build on that knowledge.
Who am I? My name is Curtis Hawley and I work in the Dynamic Underwriting Department.
W H O A M I ?
Jeff Stahl
Yes, that is actually Jeff
Curtis and his wife, Sharon
Curtis in Germany

6. Ingredients
Cooking spray
12 ounces fully cooked Italian-style
poultry sausage, cut into 1-inch pieces
1/2 cup lightly packed fresh basil
1 12-ounce jar roasted red peppers,
drained, rinsed and cut into 1-inch pieces
2/3 cup sun-dried tomatoes, cut into
1-inch pieces if large
1 14-ounce can artichoke hearts, drained
and quartered
Directions
Heat a nonstick skillet over medium
heat; mist with cooking spray. Add the
sausage; cook, turning 2 or 3 times, until
warmed through and browned, about 8
minutes.
Thread 1 small or 1/2 large basil leaf onto
a small wooden skewer. Add a piece of
roasted red pepper, sun-dried tomato,
artichoke and sausage, arranging them
on the skewer so that it can stand
up on the sausage end.
Repeat with the remaining
ingredients to make about
two-dozen skewers.
A N T I PA S T O S A U S A G E S K E W E R S
M E A N G R E E N J U I C E
SIR RODEHEAVER
DIRECTOR, MARKETING & BUSINESS DEVELOPMENT
Ingredients:
1/2 cup Margarine
2 cups Peanut Butter
1 lb. Powdered Sugar
3 cups Rice Krispies cereal
8 oz Bar Milk Chocolate (Hershey Bar)
6 oz Chocolate Chips
1/2 Bar Paraffin Wax
Blend margarine, peanut butter and powered
sugar. Mix in Rice Krispies cereal. Roll into
3/4-inch balls. Set aside.
Melt chocolate bar, chocolate chips and
paraffin wax in double boiler. Turn heat
down to low and dip the balls into the
chocolate.
Remove and put on waxed paper and
refrigerate.
Ingredients:
6 Kale Leaves
1 Cucumber
4 Celery Stalks
2 Green Apples
1/2 Lemon
1 piece of ginger
6 Carrots (Optional)
2 Tomatoes (Optional)
Directions:
In a juicer; place each of the listed
ingredients.
Tips:
• Be sure not to start with the
ginger
• If you are not sure how
much ginger to use, go
lighter than heavier (it
can be overwhelming)
GET FIT
I lost 25 lbs. in one month
drinking only this for every
meal (64oz daily intake)
W H O ’ S I N T H E K I T C H E N ?
JEANNE STAFFORD
POST CLOSING ASSOCIATE
K R I S P I E S P E A N U T B U T T E R
B A L L S
ELISA ALLEN
DIRECTOR, LEARNING & DEVELOPMENT
THEY LOVE IT
Great holiday appetizer.
Quick and easy and
always a hit.
Start with a clean grill. Keep it clean by brushing with a wire brush after
preheating, and again after cooking. Make sure to oil your grates and
your food before putting it on the grill to keep it from sticking.
Emeril Lagasse

7. O N - S I T E F L U S H O T C L I N I C
G E T T H E S H O T, N O T T H E F L U
Although the weather lately has been absolutely beautiful and still feeling like summer time,
flu season is upon us and Icon would like to help all of our associates avoid that terrible bug.
Join us on Wednesday, November 21st in the Campus Lobby from 2:30 to 5:00 for a free flu
shot.
Make your reservation by contacting Maggie Fisher in the HR department at mfisher@
iconresidential.com. She will schedule you and provide you with a voucher. No insurance
coverage required. More details once you contact Maggie.
What better way to strengthen the Icon & Ovation community than coming together to
host our annual food drive for Second Harvest Food Bank? Food drives foster a sense
of teamwork by creating an opportunity to work together toward a common, worthy
goal. Since its founding, Second Harvest has provided more than 272 million pounds
of donated and surplus food to local charities.
It is currently estimated that 615,000 Orange County residents are at risk of going to
bed hungry some time during the month. The majority of people at risk of going hungry
each month are children and single-parents, seniors on fixed incomes, the working poor and other men and women confronted by
financial difficulty or who are physically unable to earn a living. Children make up 38% of that number, many of whom see their
only meal at a free or reduced lunch program. Another 10% represent our seniors on fixed incomes, having to make the decision
whether to pay for the prescriptions they desperately need, pay the rent, or buy groceries.
Second Harvest Food Bank provides meals to nearly 220,000 individuals each and every month. Let’s all be a part of the Icon &
Ovation community of helpers and donate to Second Harvest Food Bank during our annual food drive. Donation canisters will be
here starting November 5th through November 15th. The donation canisters will be in the kitchen areas on the first floor.
F O O D D R I V E S S T R E N G T H E N O U R C O M M U N I T I E S
Any amount helps those in need. Icon Residential Lenders will be hosting a Workplace
Giving Campaign for the Red Cross starting November 7th and continuing through
November 16th. For every dollar generously donated by our associates during this period
through the Red Cross link provided below, Icon will match it! Our friends, families and
co-workers have all been affected by this disaster.
It’s easy to donate. Just click on the following link below and you will be directed to the
American Red Cross giving page where you can make a donation for those in need.
http://american.redcross.org/iconres-emp
The Red Cross responds to approximately 70,000 disasters in the United States every year, ranging from home fires that affect
a single family to hurricanes that affect tens of thousands, to earthquakes that impact millions. In these events, the Red Cross
provides shelter, food, health and mental health services to help families and entire communities get back on their feet.
R E A C H I N G O U T T O T H O S E A F F E C T E D B Y H U R R I C A N E S A N D Y !

8. September marks the fifth straight month of job growth in the mortgage industry, which has seen its head count increase 8.8% over
the prior 12 months.
The U.S. Bureau of Labor Statistics reported that employment in the mortgage banking and brokerage sector rose to 285,000
positions in September from 281,300 in August. (The residential finance figures lag the national ones by a month.)
Since January, lenders have hired 22,900 new employees to keep up with the demand for refinancings. Mortgage brokerages are
responsible for 12,100 of the new hires.
Meanwhile, Friday’s jobs report shows the U.S. economy created 171,000 new jobs in October, compared to 148,000 in September.
The September figure was revised upward by 34,000 jobs.
The national unemployment rate ticked up to 7.9% in October from 7.8% in September.
W H AT A R E T H E N U M B E R S ?
OCTOBER’S TOP 5 PRODUCING ACCOUNT EXECUTIVES
PRODUCING $5 MILLION OR OVER 25 UNITS
Brendan Pawloski
Jamie Fletes
Jesse Tannlund
Julie Engel
Peggy Douglas
UNITS
73
62
44
39
28
FUNDING
$ 18,633,344.00
$ 16,205,245.00
$ 9,985,086.00
$ 9,908,318.00
$ 7,913,934.00
OCTOBER’S TOP 5 PRODUCING ACCOUNT MANAGERS
CLOSING 40 LOANS OR MORE...
PRODUCING $800,000 OR MORE...
Brandon Bustamante
UNITS
10
FUNDING
$ 2,388,458.00
Jack Abajian
David Reed
Bryan Gonzalez
Kristina Rutherford
Jimella Johnson
UNITS
67
66
63
47
47
FUNDING
$ 16,524,394.00
$ 18,255,744.00
$ 16,811,990.00
$ 9,894,012.00
$ 12,235,403.00
OCTOBER’S TOP PRODUCING LOAN OFFICER

9. M O R T G A G E M A R K E T N E W S
Mortgage-backed securities trading handled the issues caused by
Hurricane Sandy without any major disruptions. Stronger than expected
economic data also had little impact, and mortgage rates ended the week
with little change.
Friday’s Employment report showed that the economy added roughly twice
as many jobs as expected (including revisions). Against a consensus
forecast of 125K, the economy added 171K jobs in October, and the
data from prior months was revised higher by 84K. The Unemployment
Rate increased to 7.9% from 7.8% last month, as expected, due to an
increase in the size of the labor force (see below). Overall, this report was
encouraging in most areas. Of note, the collection period for the October
data ended before Hurricane Sandy hit, so next month’s report will reflect
the storm’s impact.
The Unemployment Rate is determined in a separate survey and is based on two factors, the number of jobs and the number of
people in the labor force. According to this survey, the economy added a whopping 410K jobs, and the labor force increased by
an even larger 578K people. Clearly, strong growth in the number of jobs is great news for the economy. A growing labor force is
also positive for the economy, and it reflects increased optimism about finding a job, but it leads to a higher percentage of people
classified as unemployed.
J O B G A I N S E X C E E D E X P E C TAT I O N S
The most significant economic data next week will be the ISM Services index
on Monday. The Trade Balance will come out on Thursday. Import Prices and
Consumer Sentiment will be released on Friday. Tuesday’s election will dominate
the news headlines next week. There will be Treasury auctions on Tuesday,
Wednesday, and Thursday.
All-inclusive Desktop with major performance advantages that eliminates need to log
into the web:
ALL functionality of the web is included in Desktop with major usability enhancements.
• Enhanced stacking orders & filters that can be used with every list of documents.
• New features like “Double click” to full screen anywhere
• “Compare” to view two documents side-by-side
• “Status” docs from any screen in DV (including uploads).
• Work from multiple cabinets in parallel.
• Click & drag folders to/from cabinets.
• More configurable view settings that are remembered as a user preference.
The new Doc Dictionary has been completely redesigned to better control what names are available and which names display.
This includes the ability to remove document names that we currently categorize as “Do Not Use” to be deleted from the drop-down
selection list.
Stay tuned for more communications and information as we finalize the roll out plan.
N E W L O O K , N E W F E AT U R E S - D O C - V E L O C I T Y 5 . 0
A L S O N O TA B L E
• ISM Manufacturing increased to the highest level since May
• Consumer Confidence rose to the highest level since February 2008
• The Treasury will auction $72 billion in 3-yr, 10-yr, and 30-yr securities next week
• China released stronger than expected manufacturing data
W E E K A H E A D

10. Icon’s annual holiday celebration will
take place on Thursday, December
20th at the Fairmont Hotel.
This is an employee-only event and
will take place between 3:00 p.m.
and 7:00 p.m. Come join us for
some holiday cheer!
More details to follow.
S AV E T H E D AT E
ANNUAL HOLIDAY CELEBRATION
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3
8 9 105 6 74
15 16 1712 13 1411
22 23 2419 20 2118
29 3026 27 2825
Veteran’s Day CLOSED for
Veteran’s Day
CLOSED for
Thanksgiving
Day
Cleared for Takeoff Sales Meeting
Harvest
Containers
Arrived
Last day to
Harvest
Hurricane Sandy
Red Cross link
active
Last day to
use Red Cross
donation link
The following businesses are offering a discount or coupon for services:
Applebees
Arby’s
California Pizza Kitchen
Carrow’s
Champps
Charlie Brown’s
Steakhouse
Chili’s
Coco’s
Denny’s
Einstein Bagels
Famous Dave’s
Friendly’s
Golden Corral
Hooters
Max & Erma’s
Little Caesar’s
Longhorn Steakhouse
Olive Garden
On The Border
Outback Steakhouse
Red Lobster
Sizzler
Tim Horton’s
TGI Friday’s
Travel Centers of America
Uno’s
For additional discounts including recreational, retail stores, etc, visit:
http://militarybenefits.info/veterans-day-discounts-sales-deals-free-meals/
V E T E R A N ’ S D AY D I S C O U N T S