Ken Caiani Group

Introducing the

We invite you to take a tour of our Meet the Ken Caiani Group introduction kit, which is a collection of informative pieces that give some background as to who we are, who we work for and how we run our business. For more information please visit our team site www.about.me/kencaianigroup.

WHO IS CITYWIDE HOME LOANS?

Citywide Home Loans is a Mortgage Banker (Direct Lender) based in Salt Lake City Utah.!Citywide was created with the goal of becoming an industry leader in the mortgage market. As a mortgage banker or direct lender, it has the ability to lend clients its own money. This gives Citywide the unique ability to act as either a mortgage banker or a mortgage broker. This ability allows us the exibility to offer a wide variety of loan products to satisfy the needs of all borrower types. We are licensed and cleared to operate in CA, CO, AZ, WA, NM, WY, ID and UT. Citywide has FHA Direct Lending authority, FHA Direct Endorsement approval, and Veteran Affairs Automatic Lender approval.

WHY CITYWIDE HOME LOANS?

Citywide Home Loans is built on the strength of experienced mortgage professionals, a performancebased culture and an innovative spirit. Our mission is to deliver a better experience for our customers, business partners, employees and sales teams. Our focus on service, innovation, execution and culture, that differentiates us from our competitors. As a Direct Lender we have the ability to underwrite, close and fund loans IN-HOUSE. For the consumer this means lower interest rates, closing costs, faster turn times and better service. This also gives our loan ofcers the ability to personalize the loan process and allow timely and informed communication with our customers and industry partners.

WHY THE KEN CAIANI GROUP?

The Ken Caiani Group is comprised of an experienced group of mortgage professionals. Our Teams mission is to Deliver A Better Mortgage Experience to our clients and referral partners. Below are the benets we offer our clients:

MORTGAGE APPROVAL CONCIERGE PROGRAM CLOSING COST GUARANTEE GUARANTEED COMMUNICATION THROUGHOUT THE LOAN PROCESS WEEKLY UPDATES TO ALL PARTIES CASH TO CLOSE GUARANTEE LOCK ADVICE TOTAL COST ANALYSIS ANNUAL MORTGAGE REVIEWS PRE-CLOSING MEETINGS IN HOUSE UNDERWRITING AND CLOSING COMPETITIVE RATES AND FEES

Finance your home with a professional

Citywide Home Loans

Kenneth P. Caiani Originator/Team Lead 1-888-327-6199

Who is Ken Caiani?

Ken has over 19 years of lending experience He has a well crafted reputation in both the builder and residential market place. An annual top producer, he has had great success in developing systems and processes to deliver a WOW experience to his clients. In addition to his origination work, he has developed a proprietary software program that allows his team members to perform at peak levels

What is Ken!s approach to the business?

Ken knows that nothing is more important than educating the borrower so that they!re comfortable with their choices. Educating them and giving the necessary tools to make educated, informed decisions is one of his passions, but not the only one. An additional passion is making certain his clients and referral sources receive a WOW Experience on each transaction. He integrates himself into the real estate process and demonstrates daily that he is not the average, run-of-the-mill loan ofcer but is dedicated to making certain that each transaction generates clients for life and referrals for his business partners. That can only be achieved if expectations are exceeded... something Ken does on a regular basis.

What are his credentials?

KC Group
Contact information: The Ken Caiani Group 8400 E. Crescent Parkway Suite 550 Greenwood Village CO 80111 Team Phone: 1-888-327-6199 Team Fax: 1-888-363-8986 thekencaianigroup@gmail.com www.about.me/kencaianigroup

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Holds a Bachelors degree in nance and a minor in real estate Has run his own mortgage company, has operated as a broker and a banker and has performed each function in the loan process. Specializes in purchase transactions, is procient in dealing with selfemployed and high net worth clients Is recognized in the real estate community as a lending expert

Interests outside of work...

Busy husband and father Golf Traveling, architecture and design Technology geek Mortgage coaching and consulting

Call Ken and the Ken Caiani Group Today! 1-888-327-6199

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OUR MISSION STATEMENT

Our mission is simple, to accommodate our clients and business partners with the best possible advice, service and solutions to their mortgage nancing needs. Our goal is to "Deliver a Better Mortgage Experience" by exceeding! the standards set by our customers, business partners and the mortgage industry by providing superior, value added mortgage services and advice.! We accomplish this goal through teamwork, truthfulness, hard work and responsibility.
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The needs, interests and concerns of our customers, business partners and employees are our highest priority.!
! !

Our team's service is guided by the principles of Integrity, Honesty, Innovation and Education.! Our team's success is assured by constantly exceeding the expectations of our customers, business partners and employees.

OUR CORE VALUES

Accountability

Integrity

Relationship

Teamwork

Innovation

Integrity
Our team members operate with the utmost honesty and character. We always work in the best interest of our clients. We believe in telling the truth and giving our clients and business partners nothing but honest advice and updates. We put our clients before prots.

Relationship
Our team believes that relationships are the foundation of our success. We strive to preserve and strengthen our current relationships as they will determine our future successes. We place our relationships above everything.

Teamwork
Our goal is to be successful with all of our relationships. We use our team members unique blend of industry knowledge and experience to deliver the best mortgage experience possible.

Accountability
Our obligation is to account for our activities and to operate in a transparent way. We believe by always looking out for our clients and business partners best interest, that we operate with the utmost trustworthiness.

Innovation
Our team is constantly looking for ways to be more creative and productive. We believe this sets us apart from the rest of the pack.

WELCOME TO THE KEN CAIANI GROUP

Kenneth P. Caiani - Senior Originator/Team Lead Team Line: (888) 327-6199 ext. 1 Team Email: thekencaianigroup@gmail.com
Ken will handle all rate, program and general loan decisions. Once approved, Ken will prepare a final estimate and perform a pre-closing meeting to go over fees, rate and program. !Ken is also responsible for overseeing the entire process to ensure the highest level of customer service. !Ken will also give you verbal updates every Friday.

Zandra Ortivez - Licensed Originator/Production Assistant Team Line: (888) 327-6199 ext. 2 Team Email: thekencaianigroup@gmail.com
Zandra will assist with setting up the file, reviewing loan documents, pre-underwriting and submitting the file into processing. She also makes sure that all parties are updated weekly as to the status of the file to ensure a smooth process. Zandra will also update the Closing Cost Worksheet to make sure there are no surprises at closing.

Chris Dupuis - Licensed Originator/Sales Assistant Team Line: (888) 327-6199 ext. 3 Team Email: thekencaianigroup@gmail.com
Chris assists the team with all of its marketing efforts. She also assists the team with all during and after close surveys and oversees our Client For Life System. She is also available to assist Zandra and Amy if needed.

Amy Hester - Senior Loan Processor Team Line: (888) 327-6199 ext. 4 Team Email: thekencaianigroup+processing@gmail.com
Amy is responsible for collecting and reviewing all the loan documentation. She will make sure the file gets submitted into underwriting within the teams established workflow. She works with the underwriters and the clients to make sure the file gets reviewed in a timely manner. She also works with the closing department to make sure closing figures get ordered.

Closing Team Team Line: (888) 327-6199 ext. 5 Team Email: thekencaianigroup+closing@gmail.com
We have 2 closers that work on our team. They are responsible for getting approved figures to the title company by our teams goal of 48 hours prior to closing.

HOW TO CONTACT US:

8400 E. CRESCENT PKWY SUITE 550 GREENWOOD VILLAGE CO 80111 T: 8 8 8 . 3 2 7 . 6 1 9 9 F: 888.363.8986

Kenneth P. Caiani Team Lead Licensed Originator T: 888-327-6199 ext. 1 F: 888-363-8986

Zandra Ortivez Production Assistant Licensed Originator T: 888-327-6199 ext. 2 F: 888-363-8986

Chris Dupuis Sales Assistant Licensed Originator T: 888-327-6199 ext. 3 F: 888-363-8986!

Team email: thekencaianigroup@gmail.com

Team site: www.about.me/kencaianigroup

CLIENT TESTIMONIALS :
Ken went above and beyond to help me get a mortgage as well as a bridge loan for my house purchase in Denver. I was moving from the east coast and I was jumping through hoops to get a bridge loan from a bank I had been doing business with for many years. His knowledge of the industry, business relationships, persistence and personality really made the whole process easy. I would recommend Ken highly to anyone needing a mortgage in Colorado. He was great to work with!! Ken, is very knowledgeable and does a great job at communicating with his clients so there are no surprises. He works in an industry that has been very difcult to trust anyone. However, Ken can be trusted. That's important especially when you tell him the stuff you're proud of and ask for help with mortgage needs. I have utilized Ken's services on several occasions, including several home purchases and renances. Ken is most knowledgeable on the ever changing mortgage industry and consistently nds the best products for my needs. I appreciate Ken's professionalism and expertise and recommend him for your mortgage needs. Ken did a great job handling our jumbo loan request. He kept in touch with us throughout the process and there were no surprises at closing. I highly recommend Ken.

We at the Ken Caiani Group have developed a proprietary technology platform that allows us to communicate throughout every step of the loan process. We incorporate this with our Industry knowledge and experience to make sure our clients are well informed, educated and updated. We hope that your experience with us is such that you will use us again and refer us to your family members, friend and colleagues. We look forward to the opportunity to earn your trust and your business!

OUR GUARANTEED COMMUNICATION THROUGHOUT THE LOAN PROCESS:

Application

Appraisal

Underwriting

Loan Approval

Clear to Close

Closing Docs

Closing Funding

Weekly Status Email

To all parties

Weekly Status Call

PreApproval Letter

Call Out Approval

Pre-Close Meeting

AGENT TESTIMONIALS :
Ive never had such a good experience as I did with The Ken Caiani Group and Caliber Funding. They kept me updated every step of the way. I highly recommend any agent to Ken and his team. ! ! ! ! ! ! ! ! ! ! Tom Barnwell - Fuller Sothebys

I have worked with Ken and his team for many years and they always deliver amazing customer service. Very professional and the service and attention to detail is top notch! Very knowledgeable, experienced and goes above and beyond to make sure his clients make the most informed decision possible. ! ! ! ! ! ! ! ! ! ! Jen Schell - Sopris Homes

Any agent that is looking to add a professional and experienced lender to their team should look no further. Ken and his team are amazing to work with and give the best service I have ever had. My clients love them too! ! ! ! ! ! ! ! ! ! ! Robin Lake - Denvonshire

The Ken Caiani Groups Loan Process

Contact Ken and his team. We will gather information needed to pre-qualify. Zandra will create a Closing Cost Worksheet for review. Once the Closing Cost Worksheet is sent, Ken will go over loan structure, rate, fees and timeline. Once approved we get started! Client applies. Zandra will set up the le, pull credit and run the le thru our online system. She will then issue a Pre-Approval!

Zandra Production Assistant

File is then organized and uploaded into the system to be reviewed and processed by our teams processor Amy. Once all items have been received. Zandra will review the needs list and all documents for accuracy and will Pre-Underwrite the le to head off any issues.

Zandra Production Assistant

Once we have a PreApproval, Zandra will issue a needs list along with all of the forms that need to be signed.

Amy Senior Processor

Amy sets up the le and orders all of the items needed including appraisal, title work, insurance and verication of income and assets. Once le is complete Amy submits the le into underwriting. This processes take about 72 hours or less.

You The Client

Once underwriting has had a chance to review the le they will issue a Conditional Approval subject to any conditions.

Zandra Production Assistant

Once Clear to Close, Zandra will issue a Final Closing Cost Worksheet that is used in Kens PreClose Meeting. File is then submitted for underwriting to review the le for Final Approval. Once Approved the le is Clear to Close!

Our In House Underwriter

Amy is then alerted to follow up on the conditions to be submitted. This can include the Appraisal, Condo forms, Insurance, etc.

Our Closing Team

Once Clear to Close , our closers work up closing instructions, numbers and documents and present them to the title company. Title Company reviews the instructions and provides a nal Settlement Statement for all parties to review and approve.

Zandra Production Assistant

Zandra updates all parties on the nal gures and sends a copy of the Final Settlement Statement to all parties for review.

Ken Your Loan Ofcer For Life!

Ken and his team stay in touch and now our Client For Life System starts. Thank you from all of us at.. The Ken Caiani Group Congratulations! Your loan is now closed. You either own your new home or have structured a new loan to save money and build wealth.

The Title Closer

Closing Day! All parties show up at the Title Company to sign the nal real estate and loan paperwork.