Opening More Doorsto Homeownership.

Specializing in:

• FHA & VA

• Jumbo, Fixed & ARM

• Self Employed Borrowers and Portfolio Products

• Agency Conforming and High Balance (FNMA/FHLMC)

Servicing the following areas:

• San Diego County

• Orange County

• Los Angeles County

• Inland Empire

Robert Golyer Senior Loan Officer

NMLS: 214141

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4330 La Jolla Village Dr., Suite 250, San Diego, CA 92122

T 949-706-4190 C 949-706-4190 F 877-867-7908

Robert.Golyer@banchomeloans.com rgolyer.banchomeloans.com

I have closed more than $800 million in mortgage loans over the past 23 years. The Orange County Register named me as “The Mortgage Expert” in 2003. In addition, my peers voted me as one of the top five mortgage marketers in 2004. I am proud to be a founding member of the National Association of Responsible Loan Officers (NARLO). I also host three successful radio stations in Inland Empire and Arizona.

I am passionate about educating my clients and making sure they choose the loan program that best meets their unique financial situation. My expertise, excellent customer service, and honest communication have led to most of my business being generated from past clients and referral partners.

Contact me today whether you are purchasing or refinancing your home and let me guide you through the process and a successful closing.

MORE Speed

MORE Service

MORE Support

MORE Products

MORE Experience

MORE Know-how

MORE Ways to Say Yes

Get MORE From Your Lending Partner.

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Mission 2

Presence 3

Products 4

Service & Support 5

Local Expertise 6

We Believe 7

C O N T E N T S

Millions of Americans dream of owning a home only to find closed doors, obstacles

and excuses. It’s primarily due to a poor service experience starting with the home

lending process. At Banc Home Loans, a division of Banc of California, N.A., our

mission is to open more doors to homeownership by:

• Providing exceptional service

• Offering more flexible lending programs

• Simplifying and streamlining the lending process

• Transforming positively the home lending experience for both

borrowers and real estate partners

• Holding ourselves to an ethical code and best practices that ensures

integrity and professionalism in every interaction

We help your borrowers discover the solutions that best fit their unique situation.

Starting with the fact that we find more ways to say yes. Unlike big, impersonal

banks and online-only lenders, we’re local and we work with the speed and

determination that it takes to make a deal close, normally in 30 days or less.

We understand the importance of the Realtor-Lender Homebuyer partnership.

Together, we work to engage, guide and educate homebuyers to expand healthy

homeownership as the cornerstone of stability in every community.

Opening More DoorsExpanding Homeownership Across the Nation

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Loan Officers

Since 1941, Banc Home Loans has provided home lending to individuals

and their families throughout California, the West, and across the nation.

We pride ourselves on being large enough to meet all our clients’ needs

yet small enough to serve them well. Our strong balance sheet, deep

community roots and commitment to lasting and meaningful relationships

are the foundation of a long record of success.

More Branches

Our lending products are available in all fifty

states with the following exceptions:

Alabama, Kansas, New Hampshire, Vermont

and Wyoming.

More People

Banc Home Loans is one of the fastest-growing

home lenders in the country.

More PowerMore PresenceOne of America’s Fastest-Growing Home Lenders

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What Sets Us Apart? Banc Home Loans offers our Loan Officers and

their borrowers a comprehensive suite of conventional and flexible

portfolio mortgage lending programs unmatched in our industry,

accommodating virtually all financial needs and scenarios.

Banc Home Loans offers flexible “commonsense” portfolio lending programs to accommodate

the needs of high net-worth and self-employed borrowers, and clients with unique scenarios.

More Ways

to Say Yes!

Flexible Portfolio Lending

• Standard Documentation Program

• Alternative Documentation Programs:

- 1-Year Tax Return

- 12 Months Bank Statements

- Asset Income

• Expanded Criteria Program

Conventional Lending

• Conventional Conforming (“Agency”)

• Agency High Balance

• Jumbo/Non-conforming

• Jumbo Conduits

• FHA, VA, CalHFA, USDA

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Banc Home Loans’ branches are staffed by lending professionals who live

and work in the communities they serve. This includes experienced Loan

Officers to advise and guide you through the home buying and financing

process, and efficient support staff to provide on-site underwriting and

streamline the entire lending process.

Loan Fulfillment Platform

Delivering Fast & Easy Closings

• Cloud-based tools allow Loan Officers to research, compare, prequalify and

launch loan process on-site

• All loans are tracked in real time for status, communication and problem-solving

• On-site underwriting brings lending decisions into the community

• Average purchase close time in 30-days or less

More ServiceMore SpeedMore SupportIntegrity, Professionalism, and Efficiency in Every Interaction

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Our Branch Managers and Loan Officers live and work in the communities

they serve. They own homes in the same neighborhoods, shop in the

same grocery markets, send their children to the same schools, and

they share your appreciation and concern for the local economy and

community.

Banc of California, along with Banc Home Loans, is redefining what it

means to be a community-oriented bank by demonstrating that community

isn’t just based on geography, but upon engines of enterprise including

education and homeownership, working together to help lift communities

up and make them stronger.

That’s why we have launched the Banc of California Foundation, reaching

out to proven leaders and local causes with a commitment to building

stronger communities through affordable housing and homeownership,

financing small businesses, and financial literacy/education.

More Local ExpertiseA Commitment to the Communities We Serve

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W E B E L I E V E

We believe in expanding homeownership, and investing in communities.

We believe our clients deserve fair and simple lending products.

We believe in exceptional service.

We believe our clients deserve access to decision-makers and management.

We believe in simplifying our clients’ financial lives.

We believe in making your American Dream possible.

We are proud to be Banc Home Loans.

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banchomeloans.com 877-770-BANC (2262)

©2014 Banc Home Loans, a division of Banc of California, N.A. All Rights Reserved.

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