Shad T. McCarthy - Caliber Home Loans

It was twenty years ago when Roland and his four sons signed the lease on a 900 sq ft space that was to become the office for a little company named Loan Simple. Across the wall of the office was a sign that read, "Treat Everyone Like Family". It was never okay to refer to loans as units or deals.We wanted to help build the communities that these homes and families lived within. We began donating proceeds from our closings to causes we felt could make the biggest impact. To this day we continue this effort to build better communities and are proud to say that the impact has far exceeded our wildest hopes. Loan Simple started growing as other professionals in the industry caught wind of how we were doing business. Professionals that truly cared about their clients and their communities found their way into the Loan Simple family. Loan Simple has grown into 26 states across the country. We realize that often with growth comes a change in the character and values of a company.

Hometown Lenders, Inc. is an integrated partner in a nationwide network of appraisers, closing agents, and lenders. We have local agents in your home town which come to you, at your convenience. (You even have the option of closing your loan right in your own living room!) Along with our established network of strategic business partners, we continuously increase efficiency by streamlining operations and eliminating non-value-added steps in the mortgage process, and we do it all with a smile.

First Citizens BancShares, Inc. (NASDAQ: FCNCA), a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500TM, is the financial holding company for First-Citizens Bank & Trust Company ("First Citizens Bank"). Headquartered in Raleigh, N.C., First Citizens Bank has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of branches and offices nationwide; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; personalized service and resources to help grow and manage wealth; and a nationwide direct bank. Discover more at firstcitizens.com.