MISSION STATEMENT:

OUR PHILOSOPHY is a strong and genuine belief in "YOUR LENDER FOR LIFE"

principle of doing business and that is what fuels WESTCORP MORTGAGE GROUP.

Referrals from previous customers and local real estate professionals have always

delivered the majority of WESTCORP'S production. We use the most advanced

technology available to close loans quickly, at a low cost. By combining the use of

the Internet along with advanced processing software and automated underwriting

systems we have taken the mystery out of approving and closing a home loan.

TESTIMONIALS: Willamette Valley Realtors

“Westcorp Mortgage Group and Rick Barnhart were an absolute pleasure to work

with in every respect. They went the extra mile to check and double check that all the

details were taken care of, and the transaction was preceding smoothly. I can

honestly say it is the best service I have received from a mortgage company and I

hope I can do business with them many times in the future. They made my job easier.

Most of all, they took the time to communicate with everyone involved so there were

no surprises!” TOM RONDEAU - Town & Country Realty - (541-757-1781)

TESTIMONIALS: Willamette Valley Clients

"Rick: Phil and I just wanted to drop you a note to thank you for all the hard work

you did in helping us buy our first home. You were so patient with us and took the

time and effort to answer all of our questions. We really appreciate everything you

have done to make this such a smooth transaction." We know that you worked very

hard to make sure everything was done for us on time. You took the time to answer

our questions. We felt very comfortable and were very happy with the whole process.

We have been recommending Westcorp to our friends and family. You made buying

our first home fun, not overwhelming or intimidating. PHIL AND MARCI DAVIS - Clients

TESTIMONIALS: Columbia Gorge Realtors

"My office has worked with Mike Kilkenny and Doug Medler for 20+ years and have

always found them to be professional, knowledgeable and efficient. The agents in my

office use their services on a regular basis and we have no problem referring our

clients to them for their financing needs." JOHN GEIGER, Owner/Broker -

Kargl, Elwood & Geiger—Realtors, The Dalles, OR .

"Mike and Doug have been in the mortgage business for over 20 years in the Mid

Columbia. Over my 15 years in the business have found them to be professional,

knowledgeable, trustworthy and easy to work with when my clients used their

services. My personal loan application experience with them has been excellent.

I would not hesitate to use their services personally or recommend to clients that

they inquire about Westcorp’s loan programs."

JIM WILCOX, CRS - Principal Broker-Fadness Realty, Inc.

"I, myself, look forward to continuing a great relationship my buyers and I have

with Westcorp. There is no other mortgage broker that I know of that has as much

knowledge and integrity as you, Mike, and all the other people I have dealt with at

Westcorp." GAIL CROSBY - Don Nunamaker Realtors.

TESTIMONIALS: Columbia Gorge Clients

"Dear Doug: Joan and I want to express our sincere thanks to you for efforts

in arranging for the refinance of our condominium in Cannon Beach. What a

pleasure it was to work with you folks; no lengthy delays, weeks of indecision

and continual run around. You have no idea how nice the process was compared

to our prior efforts with Brand X. The next time we need assistance with a

refinance or for a mortgage you can be rest-assured you folks will be our

first contact!" Sincerely, DALE COLES - Client.

"Mike: We received our funding yesterday from the title company! We were able

to immediately pay some of the bills to our contractor and others on the big

remodel project as a result. It had been important to us to have done so

prior to this weekend for some reasons. I just wanted to again THANK YOU for

working with us and helping us on this project. Your pushing to get the deal

done and your professionalism throughout and attention to detail made the

process very easy for us, and Nancy and I are most appreciative. Thanks

again." BILL DICK - Client

"Mike: Thank you for your excellent service! You made everything seem so e

asy for us as the customer. We greatly appreciate it! -

JEFF AND GINA COEHENOUR - Clients

"Doug: Tray and I wanted to express our gratitude for helping us relocate and getting our loan.

Our RE Agent, Becky and Deschutes Title Co…’praised your work every step of our

process’….We are thankful for your help & friendship!!!!”

TRAY AND DARLENE THOMPSON- Clients

Mike: Survey questions and answers- 1. What was your averall

impression of the service from myself and my team? "Very surprised,

you worked so much faster than anywhere else that we've gone for a

loan." 2. Do you have any suggestions or advice to improve our

service to others? "No, don't change a thing." 3. How would you

rate the service of your realtor? "Great." 4. Will you be

recommending me and my company to your family and friends?

"To anybody that I run across that needs a loan or to refinance."

5. Are you coming back for your next mortgage transaction? "Yes!

Thank you all very much!!" -The Nelsons-Clients

Dear Mike: Just wanted to let you know that we received your phone message as well as your letter and survey. We too would like to thank you for all your hard work on our behalf. It truly has been a pleasure working with you. You have our utmost respect, and we will definitely be referring friends and family to you. Somewhere over the rainbow our dream came true! We have you to thank for helping make this happen. Respectfully and Gratefully - David and Connie Bullock-Clients

When I wanted to get a mortgage on my house, I went to Jim because I know he cares about people and about doing the best job possible for them. I was also in a hurry to get the money so I could help my son purchase a home, and he had a deadline. Jim did his utmost to expedite the process and make it easy for me, explaining everything as we went along, and finding the best interest rate. Once he even drove to Dufur to my home so I could sign something without having to make an extra trip into The Dalles. When it was time to close, Jim accompanied me to the Title Office to make me feel comfortable and answer any last questions. I have total confidence in Jim's abilities and integrity. - Lynn Cotter

TESTIMONIALS: Eastern Oregon Clients

"Shannon, Terry Ley here and I would like to say a few words........ I did the Realtor

thing in Portland for 20+ years-fulltime. Your work ethic takes a back seat to no one...

Nice job and thanks for taking the time to keep in touch." Respectfully,

TERRY LEY - Client .

"Shannon, we signed the papers today at noon. So it's all done...Yea

Ok, now you can breathe again. (hee hee) Thanks again for all the work you did

for us. I will be referring people to you.

I hope that you send this to your boss...I am so glad that Jim Sergeant referred me to

you. It was so nice to get all the answers to all of my unrelenting questions.

You were always there when we had questions and had a good sense of humor.

It has been a wonderful pleasure to work with you.

Thanks again, Donna Seibert."

WESTCORP MORTGAGE GROUP
Portland 503-639-4687 Pendleton 541-278-9281 The Dalles 541-296-0017
Hood River 541-387-2927

rick.barnhart@westcorpmortgage.com