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56 Property Preservation Guide Property Property Preservation Guide SPECIAL ADVERTORIAL SECTION KEY PERSONNEL Keith D. Murray, MAI Founder,»President»and»CEO Cheryl Johnson EVP»and»COO Brandon Kirkham SVP,»Business»Expansion Joe Morrow SVP,»Operations Tiffany Fletcher SVP,»Compliance Paritosh Pathak SVP,»Information»Technology STAFFING: » Number of company employees 300 BUSINESS LINES, SERVICES, AND PRODUCTS From»servicing»and»retention»to» asset»management»and»disposition,» VRM»Mortgage»Services»provides» flexible»outsourcing»solutions»that» outperform»industry»benchmarks» and»client»expectations.»VRM» consistently»delivers»solutions»for» mortgage»servicing's»toughest» challenges.» CORPORATE DETAILS: 4100 International Pkwy, Suite 1000 Carrollton, TX 75007 | 877.880.7720 bkirkham@vrmco.com | vrmco.com COMPANY DESCRIPTION: VRM»Mortgage»Services»(VRM)» is»an»industry-leading»outsourcing»solutions»provider»for» performing»and»non-performing»residential»mortgages» and»assets.»Employing»the»industry's»best»professionals,» leading»technology,»and»proven»processes,»VRM» provides»scalable»outsourcing»solutions»to»help»clients» manage»all»aspects»of»the»servicing»and»default»life»cycle. VRM»is»a»certified»minority-owned»business,» committed»to»promoting»a»culture»of»diversity»and» inclusion.»Its»vendor»partners»include»a»number»of» women,»minority,»disabled,»veteran,»and»LGBT-owned» businesses.»VRM»has»developed»sourcing»solutions» to»help»ensure»that»it»uses»small,»minority-owned» businesses»wherever»possible»and»uses»technology»to» track»progress»of»diversity»spending»goals.»No»matter» what»service»the»company»provides,»VRM's»focus»is»on» helping»its»clients»adapt»to»the»realities»of»a»changing» real»estate»market.»VRM»believes»everyone»benefits» when»communities»are»given»the»support»they»need»to» grow»sustainably,»and»the»company»is»proud»to»deliver» solutions»that»look»beyond»the»bottom»line—changing» the»world»one»asset,»one»mortgage»at»a»time. COMPANY HISTORY: VRM»Mortgage»Services»was» founded»in»2006»with»the»aim»of»providing»portfolio» managers»reliable,»high»quality»outsourcing»services»for» the»management»of»their»REO»assets.»Since»then,»the» company»has»listed,»managed»and»sold»over»550,000» properties»while»expanding»its»capabilities»far»beyond» conventional»asset»management.»The»VRM»of»today» is»about»much»more»than»REO.»The»company»is»now»a» complete»mortgage»servicing»solutions»provider»that» has»stayed»true»to»the»brand»promise»it»started»with»—» outperform»client»expectations»and»benchmarks»while» restoring»value»to»the»communities»it»serves.» KEY FEATURES/BENEFITS: » Technology: VRM owns an unrivaled proprietary technology platform built from the ground up that is fully customizable and can be fully integrated with legacy and client-proprietary platforms. » Compliance: The company maintains internal quality control and audit teams separate from business processes and groups to audit internal controls and automate processes. These teams routinely perform audits on VRM's internal business activities and on the company's third-party providers. VRM is SSAE-16 certified and has passed two OIG (Office of Inspector General) audits with minimal findings. » In-House Training Platform: VRM clients benefit from a dedicated training solution, VRM University (VRMU), that provides a broad range of training solutions. The educational platform, created by VRM, provides comprehensive training and certifications including policy & procedure training, industry best practices, continuing education and fully customizable leadership and compliance training. » Vendor Management: VRM has a dedicated vendor management department that is solely responsible for identifying, qualifying, and ensuring vendor compliance for the company's national vendor network, which consists of brokers, agents, title/closing firms, eviction attorneys and field service providers. WHAT SETS YOU APART FROM YOUR COMPETITORS: Several»aspects»of»VRM's»approach»to»doing»business» differentiate»the»company.»First-is»what»the»company» refers»to»as»a»"go»local"»approach»to»property» preservation.»In»contrast»with»other»national»providers,» VRM»provides»a»singular»management»and»sales»platform» that»works»directly»with»the»specific»vendors»in»the»field» responsible»for»securing,»preserving»and»maintaining»the» assets.»The»company»uses»this»approach»for»a»number» of»reasons»that»all»trace»back»to»the»founder's»vision»of» balancing»its»commitment»to»client»and»community.»They» believe»that»serving»their»client's»needs»can»be»achieved» while»also»reinvesting»in»and»protecting»the»communities» in»which»they»provide»service.»Further,»the»company» leverages»in-house»training»that»is»tailored»to»address» the»needs»of»each»client.»This»helps»the»company»ensure» that»the»services»provided»are»in»line»with»their»client's» individual»performance»goals»and»that»each»vendor»fully» understands»the»requirements»and»expectations.»VRM» also»does»not»rely»on»third»party»technology»in»order»to» perform»its»work.»The»company's»proprietary»platform» was»built»from»the»ground»up»to»provide»the»highest»levels» of»efficiency,»compliance»and»performance.» WHAT ADDED VALUE DO YOU BRING TO YOUR CLIENTS: VRM's»culture»of»high-performance»coupled»with» painstaking»attention»to»compliance,»automation»and» continual»process»improvement»—»all»areas»in»which»the» company»regularly»outperforms»competitors»on»scorecards» —»enable»the»company»to»meet»and»exceed»its»clients'» performance»expectations.»Further,»in»an»industry»with» continually»evolving»regulation»and»changing»standards,» VRM's»nimble,»client-centered»solutions»enable»its»clients» with»the»freedom»to»outsource»components»of»their»business» to»a»company»whose»processes»and»technology»will»help» protect»their»financial»risk.»Further,»VRM's»commitment»to» community»gives»its»clients»peace»of»mind»knowing»that»the» company»is»protecting»their»best»interests,»reducing»their» reputational»risk»and,»most»importantly,»pouring»life»back» into»communities. WHAT ARE THE KEYS TO YOUR SUCCESS: VRM's» continued»success»is»driven»by»its»employees,»the»high» performance-based»culture»the»company»promotes» and»the»commitment»by»VRM»to»protect»its»clients'» interests»and»reputation»as»if»they»were»the»company's» own.»Further,»VRM»continues»to»defy»the»notion»some» may»have»that»using»minority-owned»companies»means» using»smaller»providers»that»can't»successfully»manage» significant»volumes.»The»company»points»to»their» success»managing»over»550,000»properties»representing» $50»billion»in»transactions»over»their»first»10»years.»Their» success»story»sends»the»message»that»a»company's» ability»to»demonstrate»clear»vision,»attract»and»retain» solid»management»and»build»the»best»technology»can» be»scaled»to»support»clients»of»any»size,»outperform» competitors»and»exceed»client»expectations. VRM MORTGAGE SERVICES Mortgage Services TM

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