Engage in a business partnership with The Natale Group

1. The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
James Natale
Phone :215-872-4625
Fax: 215-376-5857
Jnatale@huntingdonvalleybank.com
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2. Who is The Natale Group
• James Natale is the manager of TNG of Huntingdon Valley Bank.
• TNG offers a full range of mortgage products for the purchase or
refinance of your first home, second home or rental property
• Huntingdon Valley Bank is a 140-year-old local community bank, is
licensed to originate, close and fund residential mortgage loans.
• All processing, underwriting and funding are done locally at the
corporate lending office located in Warminster, PA.
• TNG constantly strives to provide every client with cost-effective
rates, personal service and a streamlined loan application process.
• The benefits are simple: loans settle quickly and the experience is
enjoyable… really.
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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3. Huntingdon Valley Bank Locations
Corporate Headquarters Branches Mortgage Department
• Huntingdon Valley • Huntingdon Valley • 1388 W. Street Road
• 3501 Masons Mill (Huntingdon Pike) Warminster, PA 18974
Road, Suite 401 • Jamison • The Natale Group
Huntingdon • Warrington
Valley, PA 19006 • Philadelphia
• Huntingdon Valley
(County Line Road)
• Plumsteadville
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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4. The Natale Group’s Uniqueness
Cheaper (No broker, no middleman)
Faster (same day approval)
Easier (all decisions made locally)
Enjoyable (Really–it’s important to us)
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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5. The Natale Group’s Goal
Mortgages Made Easy
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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6. A Mortgage Should Be An Investment
The Natale Group’s
Traditional Philosophy:
Thinking: A mortgage is an asset.
Important part of a long-term
A mortgage is an financial plan.
expense. An active investment that can
be leveraged.
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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7. We Help Plan for and Manage
Life Changing Events
• Changes in family size (Marriage, birth or death)
• Credit strength
• Debt consolidation
• Security and peace of mind
• Upcoming college tuition, wedding …
• Investments in stock, real estate…
• Ready Cash
• Living expenses, planned and unplanned
• Career changes: Business ownership, retirement…
• Short & long-term goals: two, five, ten and even thirty years
ahead… The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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8. We Help Plan for and Manage
Life Changing Events
• Changes in family size • Ready Cash
(Marriage, birth or death) • Living expenses, planned
and unplanned
• Credit strength
• Career changes:
• Debt consolidation Business
• Security and peace of ownership, retirement…
mind • Short & long-term goals:
two, five, ten and even
• Upcoming college
thirty years ahead…
tuition, wedding …
• Investments in stock, real
The Natale Group
estate… of Huntingdon Valley Bank
Mortgages Made Easy
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9. The Natale Group of Huntingdon Valley
Bank is not a mortgage broker
• The Difference:
– We handle the loan from cradle to grave.
Originate  Process  Underwrite  Close  Fund
– We eliminate the middleman
• Have the authority and control to make all decisions, locally.
• No loan too large, too small or too complex.
– Service our clients, locally and nationally
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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10. Diversified Product Offering
• First Time Home Buyers • Construction Loans
• 100% Financing • Streamlined Noncredit
• Jumbo Mortgages Qualify Refinance
• Rehabilitation Loan • Commercial Loans
• Investment Properties • High Loan to Value
• No Cost Mortgages Refinance Programs
Exceeding 100% Loan to
• Reverse Mortgage Value
Size: ( First Time Buyer  Conforming  Jumbo )
Risk: (Conforming Government  Jumbo )
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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11. A Partnership with The Natale Group is
built on a Secure Foundation
• Trust and loyalty
• Mutual exchange
of value
• Long
relationship
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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12. Effective Financial Partnering
Business Partnering with TNG

Introduce Unique Service and Product
(simple and easy referral process)

Our Partners Gain a Competitive Advantage

3 Way Win
(Client - Partner - TNG)
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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13. Next Steps: Referral Process
Identify client need:
• Life changing event
• Question regarding recent turmoil in the mortgage industry
• Debt consolidation or credit repair
• Want to withdraw large sum of money… for home purchase
• Current mortgage rate over 6.375%
Introduce TNG early… “I will have Jim Natale call you”
• TNG will directly call client
• TNG will originate loan
• TNG will underwrite loan
• TNG will fund loan
• TNG will close loan
• TNG will attend all closings (Prestige may attend any closing)
• TNG will communicate with Prestige Bank (frequency and approach to be determined)
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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14. Realtor Partnership Advantages
• Educational Seminars
• Text Messaging
• Feasibility studies for homes that need rehabilitation
• TNG uses its own fund to close loans
• Provides local streamlined processing/underwriting and
can CLOSE LOANS FAST
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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15. Loan Officer Opportunities
BENEFITS OF JOINING THE NATALE GROUP
• Lucrative compensation plans (Potential to double your current
compensation)
• Underwrite & close loans, FAST (Purchases can be closed within 15 days)
• Settlement sheets completed 2 days before closing
• Origination, underwriting & processes are done out of a centralized office
• Funding is on time & disbursed locally directly out of Huntingdon Valley
Bank
• We don’t miss commitment & closing dates
• Competitive rates
• Diverse, comprehensive mortgage product offering
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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16. Licensing Information
All products referenced herein are subject to specific
underwriting guidelines; not all applicants will be
qualified for all products.
James M. Natale
The Natale Group "Your Mortgage Investment Advisor“
(P)215-872-4625 (F)215-376-5857
jnatale@huntingdonvalleybank.com
Huntingdon Valley Bank
1388 Street Road, Warminster, PA 18974
NMLS Registry Number 642864
The Natale Group
of Huntingdon Valley Bank
Mortgages Made Easy
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