MReport October 2020

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M R EP O RT | 43 INDUSTRY MVP SPOTLIGHT KEY PERSONNEL Keith Guenther Founder/CEO Rida Sharaf CSO Garrett Mays Director, Valuation and Vendor Management Angela Hurst SVP Rob Pajon SVP, Product and Marketing CONTACT INFORMATION 25520 Commercentre Drive Suite 150 Lake Forest, CA 92630 949.598.9920 USRES COMPANY DESCRIPTION Founded in 1992, USRES provides an impressive range of financial support services for the purpose of providing valuation, acquisition, and disposition services to the real estate industry. With a focus on workflow transpar- ency and stellar customer service, USRES utilizes RES.NET, an AICPA SOC Certified, SaaS technology plat- form, for the management and pro- cessing of valuation services. USRES' expansive list of origination valuation products has provided the mortgage banking and private lending industry great solutions for retail purchases, refinances, fix-and-flip transactions, and bulk acquisitions. PRODUCTS & SERVICES As a nationally licensed AMC, USRES leverages integrations with loan origination products and several lead- ing QC tools to provide timely and accurate valuation products: Origination Appraisals Whether a residential purchase or refinance, USRES leverages its 28 years' experience to engage its robust appraiser panel and team of in-house specialists to complete origination appraisals with a focus on exceeding timelines and providing highly accu- rate valuations. Hybrid-Automated Valuation Products Inspections and hybrid products have gained momentum due the increased availability of the necessary data and their effect on managing costs and overall risk. USRES offers inspection products, several AVM solutions, and more to fulfill any investor require- ments or auditing concerns. ARV Appraisals As-repaired value appraisals are a cap- stone in the private lending and hard money sector, and USRES proudly employs a specialized section of their appraiser panel that has hands-on experience with this niche valuation product to deliver as-repaired values with an emphasis on accuracy. KEY FEATURES & BENEFITS Subject-Matter Experts Every origination order is carefully assigned by USRES' team of in-house assignors that receive USPAP and reg- ulatory training to ensure compliance and operational excellence. Once the appraisal is submitted, the company's team of auditors is comprised of licensed appraisers to ensure the best QC and dispute resolution measures are taken on every order. Experienced Provider Twenty-eight years in the valuation in- dustry has resulted in having the best and most engaged appraiser panel in the business. While it is true that the number of appraisers in the country is finite, USRES knows how to motivate, vet, and engage appraisers that each have comprehensive knowledge of their local market. Customer Service Communication and a commitment to customer service are cultural mile- stones within the USRES organization as they believe that lasting relation- ships are established with an emphasis on trust and integrity. Upon board- ing, clients get a dedicated account executive with 24/7 access to order information. The company's in-house call center provides technical support for appraisers with a 98% first-call resolution rate. Systems and Integrations USRES uses the RES.NET valuations portal for the order, tracking, and delivery of appraisal orders. Having direct access and input to their tech- nology tools ensures that operational and client-directed requirements are adhered to within a timely manner. Additionally, USRES leverages a litany of other cutting-edge tools: • Order Delivery: Mercury Network, FNC, Appraisal Scope, and Real EC • Audit & Data Analytics: Platinum, Collateral Analytics, EAD portal, and UCDP • Loan Origination: Lending QB, Ellie Mae, Encompass, and Black Knight COMPETITIVE ADVANTAGE USRES possesses a distinct blend of technology and personal oversight. Together with their seasoned staff, exceptional vendor panel, and the aid of third-party tools, the company is able to perform comprehensive QC reviews on every valuation with match- less quality. Through the proprietary use of RES.NET's Valuation Portal, the company is able to confidently monitor performance, run grades and reports, and analyze each provider to ensure the best candidate is engaged and available to perform quality and timely work. TESTIMONIAL "When looking for a strong provider of valuation services, USRES was an easy choice due to its dominance in the market for more than 25 years. USRES does not defer us to an automated call center, we always have access to their audit and management teams and receive fast responses to any needs or request we have." —CEO, USRES Originations Client

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