A transparent, what-you-see-is-what-you-get, sample of O2 Mortgage's culture.

1. CULT
-­‐ure
BOOK
The

2. Table
Of
Contents
Email
That
Started
It...............................................................Pg.
3
Hear
It
From
Our
Team...........................................................Pg.
5
Phrases
We
Like......................................................................Pg.
10
Core
Values.............................................................................Pg.
12
Life
At
O2
…………...………………………………………………….Pg.
14
Team
Structure........................................................................Pg.16
O2
Timeline.............................................................................Pg.
18
Part(y)ing
Thoughts
...............................................................Pg.
20

3. The
Email
That
Started
It

4. Hi
All,
One
evening,
on
the
way
back
home
from
an
O2
Mortgage
team
ou?ng
in
San
Francisco,
I
was
in
a
par?cularly
reflec?ve
mood.
It
could
have
been
from
the
beer
and
hotdogs
earlier
or
the
slow
train
ride
home.
Nonetheless,
I
was
thinking
about
our
company
and
what
makes
O2
so
great.
As
I
write
now
in
2016,
we
have
a
small
company
enough
to
share
2
large
pizzas
and
have
some
leK
over,
but
I
know
as
we
grow
it
is
important
for
us
to
con?nue
to
hold
onto
the
same
fundamental
values
and
culture
that
has
goLen
us
this
far.
We
believe
companies
take
a
life
of
their
own
by
the
people
who
work
for
them
and
for
us
we’ve
seen
O2
Mortgage’s
culture
grow
naturally
into
something
we
are
all
proud
of.
Because
of
our
small
size,
with
good
hard
working
people
we
have
been
a
company
that
just
embodies
our
core
values
and
company
culture
without
having
these
ideas
wriLen
down.
That
is
up
un?l
now…
Dave
and
I
have
spent
many
hours
discussing
how
we
want
to
grow.
We
believe
growth
is
not
the
end
all
be
all
of
business.
Making
clients
happy
IS
how
you
stay
in
business
and
growth
is
a
byproduct
of
happy
clients.
In
order
to
con?nue
having
happy
clients
as
we
grow,
company
culture
is
our
#1
priority.
We
strongly
believe
that
if
we
treat
our
culture
as
the
founda?on
of
our
company
and
get
this
right,
then
everything
else
will
fall
into
place.
With
that
being
said,
if
our
culture
is
to
take
ownership
in
our
work,
then
we
feel
confident
our
clients,
partners
and
our
O2
Mortgage
team
will
always
be
taken
care
of.
It
is
a
simple
theory,
yes.
Can
it
be
done?…
We
think
so!
I
understand
that
our
culture
will
be
many
things,
to
may
people,
and
some
of
our
staff
will
share
their
thoughts
in
this
book,
but
for
myself,
O2
Mortgage’s
culture
is
about
ownership.
It
is
about
doing
the
right
thing.
When
doing
the
right
thing
is
easy
and
when
doing
the
right
thing
is
hard.
Whether
that
makes
us
look
good
or
bad
in
the
present
moment.
I
believe
in
the
long
run,
leading
by
this
core
value
we
will
see
success
and
be
able
to
build
something
great.
This
is
some
of
my
thoughts
on
what
embodies
our
companies
values.
We
hope
this
culture
book
will
you
give
you
a
beLer
understanding
of
who
WE
are
as
O2
Mortgage
and
the
all
the
pieces
that
help
make
our
company
something
we
are
proud
to
be
apart
of.
-­‐
Drew
From:
Drew
Frampton
Subject:
O2’s
Culture
/
Beliefs
To:
everyone@o2mtg.com

5. Hear
It
From
Our
Team

6. I
asked
the
team
to
write
a
few
sentences
on
what
the
O2
culture
means
to
them
and
what
sets
us
apart
from
other
organiza?ons.
The
next
few
pages
are
some
of
their
thoughts
on
what
defines
O2’s
culture.
Drew,
Loan
Officer
/
General
Manager
Out
of
all
the
people
on
our
team,
I
don’t
think
there
are
two
alike
in
the
group
(probably
for
the
best).
But
it
got
me
thinking
about
our
group
and
the
culture
that
we
have.

7. “I
think
O2's
culture
is
defined
by
a
few
key
items;
success,
fun,
fast
paced
and
problem
solving.
I
believe
we
are
a
results
based
business
where
we
expect
top-­‐level
producCon.
We
are
given
the
tools,
training,
and
team
to
accomplish
these
goals,
have
fun
and
being
able
to
laugh
with
or
at
each
other
makes
the
ride
more
fun.
”
– MaW,
Loan
Officer
“We
are
very
much
a
family
here
at
O2
Mortgage.
We
are
a
group
of
individuals
with
different
interests
and
personaliCes
that
all
contribute
to
one
common
goal,
which
is
providing
the
best
possible
service
to
our
clients.
We
are
a
like-­‐minded
group
and
understand
that
geGng
the
job
done
is
the
top
priority,
but
we
certainly
find
Cme
to
have
fun
along
the
way.”
-­‐
Jamie,
ProducYon
Manager
“
I
think
the
term
‘work
family’
really
applies
to
our
team.
Most
of
us
see
each
other
outside
of
work
regularly,
and
have
real
friendships
out
of
the
office.
We
like
to
laugh
with
each
other,
and
someCmes
at
each
other.
And
like
a
family,
we’re
fiercely
protecCve
of
each
other
and
try
to
always
have
each
other’s
backs.
Someone
who
doesn’t
have
that
same
opinion
of
the
people
they
work
with
and
just
wants
to
punch
a
clock
in
and
out
wouldn’t
fit
in
with
us.
We
may
not
always
‘like’
each
other
everyday,
and
we
have
our
tense
moments
from
Cme
to
Cme,
but
family
doesn’t
have
to
always
like
each
other
as
long
as
you
always
support
one
another.
”
– Janessa,
Loan
Processor

8. “
Every
posiCon
is
vital
in
ensuring
a
smooth
transacCon.
Everyone
plays
on
the
same
team
for
a
common
goal.
CommunicaCon
and
creaCng
relaConships
with
coworkers,
clients
&
venders
is
what
keeps
us
successful.
Curveballs
are
constantly
being
thrown
at
us.
Constant
adapCon
is
required
for
conCnued
success
&
growth.
Everyone
at
O2
Mortgage
has
a
completely
different
personality,
but
we
are
all
professional
in
appearance
and
kids
at
heart,
no
maQer
the
age.
“
–
Danny,
ProducYon
Manager
"The
culture
here
at
O2
mortgage
is
very
special.
We
are
an
upbeat
group
of
people
that
get
work
done,
but
have
fun
in
the
process.
We
are
all
very
open
with
each
other
and
the
culture
around
the
office
promotes
growth
and
innovaCon.”
–
Alex,
Client
Development
Specialist

9. “We
are
one
unit
with
mulCple
moving
parts.
Our
culture
and
our
success
can
be
aQributed
by
everyone’s
effort
and
willingness
to
help
each
other
out
for
the
best
interest
of
the
company.
UlCmately
it
is
about
the
business
being
successful
but
what
works
well
about
our
team
is
how
well
we
all
get
along.
Everyone
on
our
team
has
a
thick
skin
and
can
be
the
expense
of
a
joke
but
also
can
dish
it
out.”
-­‐
Gen,
Office
Assistant
“Common
sense…
if
you
don’t
have
it,
you
don’t
belong
here.
We
each
have
our
own
important
role
and
we
all
do
our
very
best
to
emulate
that
role
everyday.
We
take
pride
in
our
work
and
it
directly
correlates
with
the
saCsfacCon
our
client’s
experience.
As
we
conCnue
to
improve
and
exceed
our
client’s
expectaCons
we
grow
and
adapt
new
ways
of
doing
tasks
in
order
to
surpass
the
original
O2
Mortgage
way.
We
are
constantly
growing,
learning,
and
becoming
bigger
and
beQer.
You
must
love
and
embrace
change…
we
will
always
be
changing.”
-­‐
Jessica,
ProducYon
Manager
“I
feel
that
the
culture
we’ve
developed
here
is
similar
to
what
it
means
to
be
“like-­‐minded”.
We’ve
developed
a
special
degree
of
trust
in
each
person
on
our
team
and
in
our
processes.
This
special
trust
ensures
consistent
care
and
due
diligence
is
performed
every
Cme
we
touch
a
file.
If
we
strive
to
be
consistently
like-­‐
minded
and
working
with
each
other
I
think
that’s
the
type
of
culture
we
would
want.
Our
borrowers
would
see
this
and
be
assured
knowing
they
are
in
good
hands.”
–
Ryan,
Loan
Processor

10. Phrases
We
Like

11. “Good
news
fast,
bad
news
faster”
“Time
kills
deals”
“It’s
our
job
to
control
things
we
can’t”
“Work
hard
and
be
nice
to
people”

12. Core
Values

13. Take
Ownership
In
Everything
You
Do
Be
BeLer
Then
Yesterday
Do
The
Right
Thing

14. Life
At
O2

15.
Get
familiar
with
The
Challenger
Sale
Work
Hard
Play
Hard
Live
for
the
Client
Get
Excited!!
If
your
in
sales…

16. Team
Structure

17. • Educates
and
advises
client
Loan
Officer
• Runs
file
from
start
to
finish,
working
with
Loan
Officer
ProducYon
Manager
• On-­‐Boards
new
clients
gathering
documents,
seing
up
file
Client
Development
Specialist
• Analyzes
loan
package
and
assess
risk
while
working
with
investors
to
close
loan
Loan
Processor

18. The
Timeline

19. 2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Turnkey
Mortgage
is
born!
Dave
is
the
co-­‐founder
MARKET
CRASHES
Drew
is
hired…
and
the
market
sYll
sucks
The
market
conYnues
to
be
crappy,
and
we
join
with
APMC
Hire
Ryan
and
the
market
begins
to
climb
out
of
its
hole
The
market
is
booming
(FINALLY)!
Things
are
starYng
to
get
crazy
and
we
hire
our
first
LO,
MaW
Hire
Janessa
and
Dave
is
#244
top
originator
in
the
Scotsman
Guide
Hire
Jessica
and
Dave
climbed
to
#178
in
the
Scotsman
Guide
Danny
is
hired
and
Dave
is
#173
top
orinator
We
hit
naYonal
numbers!
MaW
is
within
the
top
1%
and
Dave
ranks
within
the
top
200
LO’s
naYon
wide
O2
Mortgage
is
born!
Dave
is
the
founder
and
moves
the
business
to
Campbell.
Alex,
Gen
&
Jamie
are
hired

20. Part(y)ing
Thoughts

21. Thanks
for
reading!
If
you’re
new,
WELCOME!
If
you’re
not,
Hello!
Want
to
join
us?
Go
to
o2mtg.com/career
Want
to
learn
more
about
our
team?
Go
to
hLp://o2mtg.com/about-­‐us/
Ques?ons
about
anything
men?oned
in
the
guidebook?
Email
Drew
at
drew@o2mtg.com