Leadership begins with PERL

Leadership begins
with PERL
Find how your voice and
our platform can take your
business to the next level.
A leader is one who knows the way,
goes the way and shows the way.
- John Maxwell
Leadership begins with You.
A Career With PERL
As one of the top 100 lenders in the country, according to Mortgage Executive
Magazine 2012, PERL Mortgage continues to increase its presence nationally.
In addition to funding over 1.6 Billion in loans for 2012, PERL’s national
expansion efforts were heavily accelerated, with aim to continue to grow
on a national platform. We offer a variety of career opportunities and seek
qualified, high-performing candidates to help support and continue our
rapid national growth. PERL offers you the industry’s most valuable resources
– right at your fingertips.
We are proud to offer employees a dynamic environment that encourages
learning and development. You’ll collaborate with the nation’s top mortgage
professionals. PERL’s owners, Ken Perlmutter and Steve Laner, also serve as
loan originators. We are a company that is built by sales people for sales
people. We differentiate ourselves from the competition by adapting to your
needs to compliment your unique, individual market. At PERL, you have a
voice - your suggestions and ideas are taken into consideration, whether it
concerns the benefit of your own market or the entire company. Although
PERL is headquartered in Chicago, Ken and Steve understand the nature
of the diverse national markets. They know what it takes to succeed in
this business, openly welcoming and implementing your new ideas and
suggestions to help the company grow.
PERL isn’t where loan originators go to start their career. It’s where experienced
professionals call home.
“We are a company that is built
by sales people for sales people.”
Listen to what top “While joining PERL, our office was simultaneously absorbing another mortgage company.
producers are saying: Company owner, Ken Perlmutter, continuously stayed in contact with us while patiently
helping us navigate through this 3 party negotiation that took several months. He was open to
our needs and suggestions and delivered on his promise without hesitation. If it had not been
for PERL’s stellar reputation and financial standing, we couldn’t have made this happen.”
- Steve Prendergast, WI
“Having made PERL my home for lending, I am confident I have made the right choice
for my office. We are not only meeting expectations of our realtors and referral partners, but
surpassing them. I truly am grateful for the support and systems in place that allow me to
have confidence once again in the residential lending industry.” - Tim Lowe, MI
About PERL
PERL is a leading independent mortgage banker,
headquartered in Chicago, offering flexible financing
options, seamless loan execution, and unparalleled
customer service.
PERL has maintained a high level of integrity and
superior business practice with a legacy of leadership
for over 19 years.
We pride ourselves in building lifelong associations
with our clients, and help finance more than just a first
home; we continually manage our clients’ long-term
needs to secure lifelong success.
Nationally Recognized Lender
• PERL originated over $1.6 Billion in home loans
in 2012. PERL was ranked the #37th Mortgage
Company in America for 2012.*
* Per Scotsman Guide
• We’ve been recognized as an industry leader by
Crain’s Chicago Business, National Mortgage News,
Mortgage Originator Magazine, Mortgage
Executive Magazine and the Illinois Association of
Mortgage Professionals.
• We have consistently maintained an A+ rating by
the Better Business Bureau.
Operations and Secondary Marketing: Our in-house underwriting,
processing, and closing departments lead to fast and easy closings.
PERL’s operations focus is service-driven, which results in meeting or
exceeding our customers’ and referral partners’ expectations. This
allows our Mortgage Advisors to be able to originate with confidence
that they are backed internally by a strong support staff.
PERL’s outstanding reputation with our correspondent and portfolio
lenders enables us to provide our Mortgage Advisors with an extensive
product menu, at highly competitive pricing. PERL uses Optimal Blue
as a pricing search engine, offering instant product eligibility and loan
pricing comparisons from both correspondent and broker investors.
Employee Benefits:
•401k salary match
•Medical insurance available 30 days from the 1st of the
month after your date of hire
•A variety of medical and dental plans available with
Blue Cross and Blue Shield as well as Guardian
•Life and Disability Insurance Available
PERL is a best With larger companies consolidating and taking on a bank atmosphere, PERL has a
kept secret! unique position to attract the independently -minded, top-producing mortgage professionals
who seek to have a voice in the organization they join. We understand that your name is
important, and that you’ve built your business on your good reputation.
“PERL’s unique work environment is ideal for a top producing agent. The entrepreneurial
spirit and positive atmosphere has really helped me with my business over the years.”
- Barry Schwartz, IL
Our On-boarding Process
Welcome to Perl! When making the transition to Perl, you will not be
alone. We have a dedicated On-boarding department in place to
answer any questions you have during the transition, beginning with
a personal phone call from our marketing team reviewing all the
Marketing resources available.
Immediate Marketing Support: When you join Perl you are
automatically setup with tools you need to be successful.
• Business cards
• Personal Perl LO Web page - Includes your head shot, bio,
contact information, Rate Request, online application, etc.
• Database setup
• Personalized “I’ve Moved!” postcard and E-blast
“I’ve really felt good about my move to PERL Mortgage. Aside from the great
environment, they have a unique marketing department that’s allowed me
to get my name out there in ways I haven’t before.”
- Beth Lewis, IL
Leadership begins with Support.
Marketing & Business Development
PERL’s increased our marketing efforts by adding our own “in-house”
Marketing / Business Development team. Marketing is crucial to a Mortgage
Advisor’s success, and PERL stays in front of customers and Realtor partners
with a wide variety of materials customizable to your needs.
PERL also provides the Business Development resources to help Mortgage
Advisors design a plan to grow their business in today’s constantly changing
marketplace.
Postcards & Flyers
Choose from a library of pre-built
materials tailored for the needs of your
clients. Need something unique to your
market? We will work with you to create a
custom piece just for you.
Home Loan Analysis,
Rate Sheets & Emails
Feature a specific property
complete with loan
comparisons and home
features along with
up-to-date rates.
Marketing
Just Listed/Sold Postcards
Send postcards to residents of a
specific neighborhood informing
them of a property you just listed or
sold in their area.
Home Buyers Guides
Ease your clients through the
mortgage process with tools
explaining the ins and outs of
buying/refinancing.
Seasonal Event Calendars
Inform your clients of the best
events, festivals and happenings
in your town.
Company Owner Is Still In Trenches,
Seeking Leads
As featured in National Mortgage News, DEC 28, 2012
[www.nationalmortgagenews.com]
Ken Perlmutter remains a top producing day-to-day originator,
giving him a perspective he shares with his sales staff.
When it comes to providing advice to a sales staff, Ken Perlmutter,
who is one of the owners of Perl Mortgage, can do so with some
authority and talk with them about dealing with current business
conditions. He finished 45th on the 2011 Origination News top 150
producer list, with $75 million. With 2012 ending today, he has
originations of $57 million. Perlmutter got into the mortgage business
from doing sales for Allen Bradley.
At the time he started in the business in 1993, his wife was pregnant
with their first set of twin boys (four years later they would have
a second set of twin boys) Perlmutter was looking to start saving
for their college educations so they could attend any school they
desired. So he started moonlighting in the mortgage origination
business.
“I saw how much money he was making and I realized how long it took me and how much work I had
to do to make that amount of money doing what I did for a living,” so Perlmutter asked the originator if
there was any way he could get into the mortgage business.
He started working at night, working telemarketing leads and did that for several months. But having
an entrepreneurial bent, with a wife who at the time owned her own business, Perlmutter opened Perl
Mortgage in October 1994. He brought in a partner, Steve Laner, in 1998. Both are top producers and that
gives them that unique viewpoint when it comes to dealing with the sales force.
“We’re a pretty good-sized company and the owners are producers. We get it, we know what our loan
officers go through because we live it every day,” Perlmutter said. “I’m in the trenches every day.”
The company prides itself on the number of high-volume producers it has working there. Perl Mortgage
has five people on the ON Top 150 list, including Laner at No. 86. He said any tools that he needs to write
a loan is the same as any of his producers big or small need. He works with the people who produce $50
million and those who do just $10 million or $20 million.
“I know what it takes to get it done,” and (he) has a feel for what these originators need in terms of support.
Perl Mortgage has “an amazing management team” which he supervises, plus he still enjoys writing
loans. As for the support the company provides its staff, it has a loan officer assistant program, where
each LO is teamed up with an assistant; high-volume producers get a dedicated assistant.
“We rather have the sales people go out and sell as much as they can and we’ll give you some support
in the office,” Perlmutter said.
He has been able to accomplish the financial security he wanted when he started in the mortgage
business. The older boys are sophomores at the University of Michigan while the younger ones are
sophomores in high school.
By doing the right thing for the consumer, it ends up being the right thing for his business. And both
individually and as a company he is poised to capitalize on the years ahead, helping qualified borrowers
get the money to purchase a home.
- By Brad Finkelstein
As seen in
MEET KEN perlmutter & STEVE laner
President + Vice President, PERL MORTGAGE
• Top 1% Mortgage Originators
(Mortgage Executive Magazine 2012)
• Generated $130 million in combined closed loans in 2012
It all Started at a kitchen table.
“Being Owners that still originate loans, we know what it takes to get it done.
We have a feel for what our originators need in terms of support.“ - Ken & Steve
96% Customer
Satisfaction Rating
High Originator
Retention Rate
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www.perlmortgage.com
PERL Mortgage is an Illinois residential mortgage licensee (MB0004358) and equal housing lender. Licensed by Department of Corporations under the California Residential Mortgage Lending Act. NMLS #19186 - Arizona License - Perl Mortgage, Inc. – 460 West Johnson Drive, Gilbert
Leadership begins with History.
Our Timeline
2008
PERL joins the Illinois Homeowner’s
Assistance Initiative, the nation’s most
comprehensive statewide plan designed
to provide immediate assistance to Illinois
homebuyers at risk of losing their homes.
2009
Nominated ”2008 Banker/Broker of
the Year” by the Illinois Association of
Mortgage Professionals. One of PERL’s
originators receives highest honor
as “Loan Officer of the Year”. PERL is
featured in Chicago Agent’s “Real Estate
Powerhouse” issue.
PERL celebrates its 10-year anniversary.
2010
PERL opens a 3rd location in Chicago’s
River North neighborhood.
National Mortgage News lists PERL as
the #1 Private Correspondent Lender in
Illinois.
PERL Mortgage receives 23 nominations
for the IAMP awards and is celebrated on
the Scotsman Top Originators list.
2011
PERL Mortgage was ranked #46 out of
the top 100 lenders in the country by
Mortgage Executive Magazine.
2012
PERL Mortgage receives “2012 Best
of Chicago Award” in the Mortgage
Brokers category by the Chicago Award
Program.
2013
Ranked #37 Top Lender in the Nation by
Scotsman Guide
1994
Ken Perlmutter opens first Chicago
location in Bucktown.
1999
Steve Laner, Vice President, joins PERL
and opens Deerfield location.
2002
PERL moves from Bucktown to new space
on West Belmont in Chicago.
2003
PERL funds $1.1 billion in loans and is
named #14 on the prestigious Crain’s
Chicago Business List of Largest Mortgage
Lenders.
2004
2006
2007
Four Mortgage Advisors awarded top
honors in Mortgage Originator Magazine
“Top 200 Originators in 2007.”
2008
Ken Perlmutter receives the renowned
Harold Isaccson Award from the Illinois
Association of Mortgage Professionals
(IAMP) for “exemplifying the professional
qualities and involvement in the
association as a leader”
As seen in
June 2013
Looking for the tools and support you need to turn
your business into something great?
There’s a difference between working a job and building your career.
We know because Perl was built by sales people, for sales people.
Contact us at join@perlmortgage.com or call
1.877.704.7161 to find out how your voice and our
platform can take your business to the next level.
www.perlmortgage.com
Leadership begins
with Listening
Contact us at sellis@perlmortgage.com or call
630.908.4972 to find how your voice and our
platform can take your business to the next level.
www.perlmortgage.com/sellis
PERL Mortgage is an Illinois residential mortgage licensee (MB0004358) and equal housing lender. Licensed by Department of Corporations under the California Residential Mortgage Lending Act. NMLS #19186 - Arkansas - Company
license # :0904956 - Arizona License - Perl Mortgage, Inc. – 460 West Johnson Drive, Gilbert , AZ., 85233 Mortgage Banker License # 0904956 - California License # 4130865 - Licensed by the Department of Corporations under California
Residential Mortgage Lending Act - Colorado License # 19186 - To check the license status of your mortgage loan originator, visit the Colorado Division of Real Estate Website - Connecticut License # 19728 - Florida License # MLD379 Illinois Residential Mortgage Licensee- Office of Banks and Real Estate, Mortgage Banking Division, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, (312) 793-3000, 2936 W Belmont Ave, Chicago, IL 60618 MB0004358
- Indiana 1st Mortgage License # 10857 - Iowa License # 2011-0141 - Kansas License # MC.0025150 - Massachusetts – Mortgage Lender & Mortgage Broker License MC19186 - Michigan 1st Mortgage License # FROO17846 - Michigan
2nd Mortgage License # SR1014 - Minnesota License # MN-MO-20541807 - Mississippi - License # is 19186 - Nebraska License # NE 19186 - Oklahoma License # MB002260 - Tennessee License # 115329 - Virginia – Licensed by Virginia
State Corporation Commission, License # MC-5428 - Wisconsin License # 21925BA