COMPANY PROFILE

MISSION STATEMENT

To serve our clients to the best of our abilities not only with their mortgage transaction but also assist in laying the foundation for a strong financial future.

PHILOSOPHY

At Shelby Mortgage we consider our clients and our referral partners our family.  We believe in "clients for life" and strive to grow our family by satisfying our customers through education, exhibiting best business practices and adhering to the highest of ethical standards.

COMPANY HISTORY

Shelby Mortgage was founded in September of 1988 by Jack Lewis Robison.  Jack bought the remnants of Wesav Mortgage Corporation, a subsidy of a large savings and loan company, as it went through bankruptcy.  He created a small but successful mortgage company that has withstood the ups and downs of the real estate market. Many mortgage companies come and go but Shelby Mortgage remains strong as we celebrate its 20th anniversary.  Shelby Mortgage was originally located on Poplar Avenue at the Crescent Center in Memphis and at one time had up to 8 employees.  In 1996 Shelby Mortgage relocated to Southaven, MS where it has operated for the past 12 years.  Jack has created a completely referral based business by creating satisfied clients and referral partners.

EDDIE REED

Designations

• Misssissippi Residential Mortgage Specialist (MRMS)
• Certified Residential Mortgage Specialist (CRMS)

Titles/Awards

• Vice President of the Mississippi Association of Mortgage Brokers (MAMB)
• MAMB Chair of Education
• MAMB Educational Instructor
• 2006 MAMB Associate of the year

Is your loan officer a Certified Residential Mortgage Specialist (CRMS)? The CRMS is a national designation of professionalism. Designees go through a rigorous certification program designed to recognize loan officers who have attained the highest levels of professional expertise. A CRMS designation is gained only once the candidate has met certain requirements of experience and knowledge and has passed a written examination. Does your loan officer have the experience and knowledge to help you with your mortgage needs? For more information, go to www.namb.org.

Residential Mortgage Financing

Guaranteed Rural Housing Loan Program

Approved to teach the following courses:

• Consumer Credit Scoring 101
• Professional Credit Scoring and Its Role in Lending
• The Nation's Fair Lending Act
• Recent Developments in Federal Mortgage Regulation
• Marketing Strategies for Mortgage Originators
• Predatory Lending Practices in the Subprime Market
• Privacy in Modern Lending Practice
• Shut the Door on Fraud
• Ethics: Decision vs. Compliance
• Mississippi State Law and Compliance

November 14, 2007

To Whom It May Concern:

It is with great pleasure that I share this letter of recommendation with you for Eddie Reed of Shelby Mortgage in Mississippi.

Eddie and I have worked together for more than two years through his business relationship with SunTrust Wholesale Mortgage.   As his SunTrust Wholesale Account Executive and business partner, I have worked with Eddie as a loan originator at Lendresults and now at Shelby Mortgage.

Eddie is quite simply the ultimate and true mortgage professional.   His superior level of customer service is only one of the things that set Eddie apart from his peers.  Eddie searches far and beyond the conventional sources of information for product guidelines and industry rulings in an effort to find the best products and processes for his clients.  Eddie truly cares for his clients' welfare and is always very careful to educate them on every aspect of the mortgage transaction.

In addition to the normal obligations of his position, Eddie is very active in the Mississippi Association of Mortgage Brokers. We are fortunate that Eddie is an influential figure in our industry thru his association with this organization.  His great leadership skills are put to go0d use.   He takes this work very seriously and is generous in sharing information with me and others on industry events. 

I am fortunate everyday to have the opportunity to work with Eddie.  Feel free to contact me with any questions you may have at 615.424.1500.

Warmest Regards,

Kim Miller

Wholesale Account Executive

SunTrust Mortgage

November 15, 2007

To Whom It May Concern:

Please consider this as my personal recommendation of Eddie Reed of Shelby Mortgage Corporation.  I have had the pleasure of working with Eddie on many closings.   He is very conscientious and knowledgeable and works hard for his clients.

I have always been impressed with the fact that his loans, both the easy files and the hard ones, close on time, are funded at closing and the borrowers are informed and happy at the end of the process.    In this market with the vast array of lenders whose names might be unfamiliar to you, it is difficult to know the reputable lenders who can get your borrower to closing, timely.  That is why I am happy to recommend Eddie.

I trust Eddie and I appreciate and respect his hard work and good ethics.  If you need additional information, please do not hesitate to contact me.

Sincerely,

Mary Austin Monteith

Austin Law Firm