John Latterner Mortgage Analyst NMLS #: 132403 Reliance First Capital, LLC jlatterner@reliancefirstcapital.com Toll Free: 1-866-220-9916 x 6209 Cell: 1-610-299-2005 Efax: 1-866-798-4905

I am a veteran of the mortgage industry for 10+ years and I have helped hundreds of families make their lives easier and more manageable by improving their financial position. Every day I take great pride in helping my customers navigate the complex mortgage environment and I utilize my years of experience and knowledgeable to custom build loan programs that deliver net tangible benefits.   I never forget that a mortgage is one of the biggest investments my clients will ever make and that their home is probably the most important asset they’ll ever acquire. That’s why I take painstaking steps to make sure every loan program is tailored to meet each of the individual needs of my clients.   I consider myself very lucky to be working with the Reliance First Capital management team because they have established and maintained an environment that allows for the mortgage process to be efficient and effective which equates to our customers receiving top-notch customer service and quick results.   I look forward to assisting you in achieving financial goals.   What my customers have said about me: John explained everything during the entire process so that I fully understood the process. John, I feel, is an exceptional person and a pleasure to work with.   Robert Z. - New Jersey   [Reliance First Capital] has exceeded my expectations for a financial institution. I have never had an analyst and his manager call to follow-up on our needs and answers throughout the entire process. There was one disappointment which had nothing to do with the bank which was an outside source (appraisal company). I provided my feedback on the situation and John and his manager Ron both handled the situation with above and beyond professionalism.   Both John and Ron seemed to be truly concerned about our needs and assistance throughout the entire process including after closing follow up.   Donna B. - Pennsylvania   John did an exceptional job. I do not normaly give anyone kudos for what I believe as doing their job, however I feel that John went above and beyond. He not only worked extremely hard on processing my loan, he also took time to actually get to know me. John is truly an outstanding performer.   David S. - Pennsylvania   John was extremely helpful and patient through a process that lasted nearly 12 months (for personal reasons). Ron, his manager, was also very professional and worked to cater this refinance to our specific needs.   Scott S. - Pennsylvania   John made timely calls and was professional, competent and friendly. He also listened to my bad jokes.   Todd B. - Washington   John followed through on the entire process, from start to finish, to the proper and expected result.   Robert K. - Pennsylvania   John was extremely helpful and attentive. He returned calls promptly and was great to talk to. I appreciated his directness and honesty...and patience!   Kristie M. - Pennsylvania   John was open, honest and up-front about all that could be done with our refinance.   Eileen W. - Pennsylvania   John provided exceptional customer service by contacting me as necessary and building excellent rapport!   Shannon B. - Pennsylvania