Q. Who is United Capital Mortgage of Ohio, Inc.?
A. United Capital Mortgage of Ohio, Inc. is a national Mortgage Lender. Our home office located in Cinti, Ohio. We have a staff of people who are experienced in the mortgage industry, plus experts in lead programs, because without leads you don't have mortgages. We know we have the formula to make your business successful.

Q. What constitutes a UCM Affiliate Branch?
A. An affiliate Branch is a full service Branch of United Capital Mortgage of Ohio, Inc. that receives 100% of its Branch profits. We are not a "Net" Branch Company, but do retain that entrepreneurial flair.

Q. How long does it take to get approved as a new Branch?
A. Upon completion of a Branch Application Package, Manager Agreement and other required documentation, your application for a branch manager position will be reviewed for approval by United Capital Mortgage of Ohio, Inc.
within 2-3 days

Q. Has legal counsel reviewed United Capital Mortgage of Ohio, Inc.?
A. Yes. United Capital Mortgage of Ohio, Inc.'s Affiliate Branch program meets all regulatory requirements and conforms to those set forth in HUD Mortgagee Letter 00-15, regarding "Prohibited Branch Arrangements." We seek to comply with the rules and guidelines of all state and federal regulatory agencies.

Q. Why should you consider joining United Capital Mortgage of Ohio, Inc.?
A. Liberty: As a Branch Manager, the ability to make decisions that best fit your management style.*
- FHA: Operate with full FHA loan access.
- Multi-State Access: Lend in multiple states throughout the country.
- Support: Let us perform the accounting, regulatory and payroll administration.
- Lead System: FREE monthly leads and a lead system.
- Benefits: All employees are W-2 employees with full benefits available.
- No Initial Investment: A flat fee lets you grow. *(Branch Managers in Illinois and some other states may be subject to more stringent restrictions. Please call for more details)

Q. How is Branch revenue accounted for?
A. The Branch receives 100% of all origination fees, yield spread premium, any overage collected and any other allowable fees charged.

Q. How does United Capital Mortgage of Ohio, Inc. benefit from this arrangement?
A. United Capital Mortgage of Ohio, Inc.charges a flat fee of $1500.00 and an administration fee of $125.00 per month, NOT per loan.

Q. Are there production guidelines set for United Capital Mortgage of Ohio, Inc.'s Branches?
A. United Capital Mortgage of Ohio, Inc.does not set production guidelines, leaving you to grow at your own pace.

Q. Who determines staffing levels, compensation, etc.?
A. The Branch Manager is responsible for these decisions in consultation with the Corporate Office; who to hire or fire and how to compensate them is fully vested in the Branch Manager. QC and other normal support functions will NOT be an expense of the Branch because these services are included in the flat fee of $1500.00 per month.

Q. What if I want to terminate the arrangement?
A. Either party, United Capital Mortgage of Ohio, Inc.or the Branch Manager, can terminate the arrangement with little hassle, at any time.

Q. What capital contribution is required by the Branch Manager?
A. There is no capital contribution required, as well as no required reserves. United Capital Mortgage of Ohio, Inc.believes we not only have the lowest fees on the market but also one of few companies that does not require capital contribution or reserves.

Q. How are Branch expenses paid?
A. All Branch office expenses are paid via a branch checking account that is issued to each branch manager.

Q. When is United Capital Mortgage of Ohio, Inc.  Branch compensated?
A. The Branch Manager will be compensated and receive all fees the day funds are disbursed via the closing agent.

Q. How are loan officers compensated?
A. Loan officer commissions are determined by the Branch Manager and paid through payroll via a payroll company designated by United Capital Mortgage of Ohio, Inc..