| About Us MBS, LLC is a consulting firm as a one-stop platform, focused on providing advisory services and solutions to the mortgage lending industry and technology companies serving the financial service industry. Our clients are Mortgage Bankers, Mortgage Brokers, corporations, financial institutions and investors worldwide. We offer our clients strategies that enable us to develop the most complete financial solutions in Mortgage Banking with sure results. Our primary services include –Due Diligence, Warehouse Lines, Secondary Markets, Mergers and Acquisitions, restructuring, and the most requested “Bank in a Box”. We have unparalleled consultants with over 100 years of experience combined. Consultants are throughout the nation specified by region and industry, providing in-depth knowledge and experience and are dedicated to meeting clients’ needs. At MBS, our business is to focus on your business, to meet you where you are, increasing and enhancing your mortgage banking business. No two companies are alike yet our solutions are tailored and designed to help you maximize your mortgage banking business. MBS is…”Next Level Lending” Location Corporate Office: 6400 Highway 2147, Suite 206
Horseshoe Bay, TX 78657
Mailing Address P.O. Box 8685
Horseshoe Bay, TX 78657
Telephone 830-598-1500 Web Address www.mbsdgroup.com Vision Statement Setting strategic alliances in place to create successful collaborative ventures. MBS, LLC, is the hands-on knowledge and expertise to bring about the experience of innovative and transformative change in mortgage lending banking.
MBS, LLC Services Warehouse Lines
Correspondent Lending
Secondary Marketing
Mergers & Acquisitions
Due Diligence
“Bank in a Box”
Company Growth Consulting
Informative/Advisory Speaking There are primarily three types of advisory services provided by MBS, LLC Consultation: based on monthly retainer billed at an hourly rate.
Collaborative: the partnered approach where the client receives hands-on assistance from MBS, LLC to meet the overall mortgage banking objective for the.
Bank in a Box [BIB]: a complete turn key mortgage banking operation There are primarily three types of products provided by MBS, LLC Premium: This product gives the client a wide range of advisory consulting to meet the need of the individual and their company. MBS, LLC serves as recommending and offering the best options available without actual participation. Optimum: This product offers personal management services to our clients and their company in mortgage banking. Services include Senior Consulting and a full support team with mortgage banking experience. Our focus include a wide variety of hands-on assistance with warehouse lines, secondary marketing, “Bank in a Box”, and Mergers & Acquisitions. This product offers an optimal value. Platinum: This product is the “banker’s banking service”. This service is for the serious investor that is ready to experience mortgage banking to the utmost level. MBS, LLC provides exceptional service for these exclusive clients. With Executive Senior Consulting the client’s experience is the ultimate personal experience in accomplishing their mortgage banking goals. From start to finish MBS, LLC is there. Services include face-to-face fulfillment consulting. The Team David Lykken
President and Chief Executive Officer
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David Lykken is President and Chief Executive Officer of MBS, LLC, headquartered in Horseshoe Bay. He is also the founder of the company. He has extensive expertise in virtually every phase of mortgage banking. His knowledge and skills comprise a unique blend of technology and business operations, stemming from his long experience in the industry. With a special focus on warehouse lines of credit, mortgage broker to mortgage banker, investor relations, mortgage broker licensing, bulk loan sales and secondary marketing. Experienced the mortgage industry, Mr. Lykken founded two regional mortgage banking companies in Southern California, where he was a partner in a third national mortgage banking company headquartered in Irvine, California. Mr. Lykken has an outstanding track record as a seasoned entrepreneur in both mortgage banking and technology. Seeing an entrepreneurial opportunity outside the mortgage arena, Dave started a computerized loan origination system (CLO) software company in his garage that grew into a large national publicly traded company, ultimately capturing 23% market share. As the Senior Executive Consultant with over 30 years experience in sales and finance, Mr. Lykken has a demonstrated ability to build businesses from early stage start-ups to public companies in the mortgage arena. Mr. Lykken has forged trusted relationships with key figures in the industry, due to his personal integrity, character, and ethical business practices. As a senior executive with broad experience in sales and finance, Mr. Lykken has a demonstrated ability to build businesses from early stage start-ups to public companies. Over his 30-year career in the mortgage arena, David has forged trusted relationships with key figures in the industry, due to his personal integrity, character, and ethical business practices. Mr. Lykken utilizes his unique combination of experience, expertise and innovative business synergy to create and complete a successful outcome. Mr. Lykken has been interviewed and quoted by several mortgage banking publications and is a sought after speaker highly regarded and respected within the industry. Mr. Lykken enjoys an active life while improving his golf handicap. He resides with his wife and two daughters in Marble Fall, TX. Mr. Lykken received a bachelor's degree in music in 1973 from Pacific Lutheran University in Tacoma, Washington. David H. Hopson
Senior Consultant
Email: Mr. Hopson is responsible for overseeing and executing client services as a senior consultant primarily within the western region consisting of thirteen western states. Mr. Hopson joined MBDS, LLC bringing with him technology expertise in residential/commercial real estate. Prior to joining he served as Vice President, CFO/CIO for Neighborhood Lane, Inc in Aliso Viejo, CA and served as acting Chief Information Officer for Residential Money Center in Irvine, CA. Mr. Hopson successfully managed both financial/accounting and technology. During this tenure Mr. Hopson analyzed financial statements, manage an accounting staff, worked with budgeting and financial reporting. Mr. Hopson has been project manager for numerous IT development programs. As head of development for Residential Money Centers he designed and managed network infrastructure creating a fully integrated loan process system used by the entire corporation including 400 + user branch offices nationwide. Mr. Hopson banking technology experience includes system creation of modules built-in, automatic underwriting systems, interface with both FNMA Desktop Underwriter and FHLMC Loan Prospector and modules for tracking loan findings and sales for integration with accounting and payroll processing systems. Mr. Hopson has extensive experience in automation, financials standardizing guidelines, general amortization data analysis, and wide spread marketing and portfolio valuation reporting. Mr. Hopson is a graduate of the University of California, Berkley where we received his Bachelors of Science in Business Administration with emphases in Finance and Marketing. He is fluent in Italian and is proficient in French and German. He resides in Laguna Nigel, CA Dale Cline
Senior Consultant
Email: Mr. Cline is a Senior Consultant having experienced virtually all facets of mortgage lending during the past 20 years; Dale brings a valuable perspective to the MBS. Trained as an accountant, Mr. Cline first encountered the world of mortgages while working with Peat Marwick Mitchell & Company. As a lead auditor on the audit on one of the nation’s largest mortgage banks, he gained a very unique view of the financial and operational underpinnings of mortgage lending. From public accounting to the private industry, in the mid '80s, Mr. Cline’s experience is in establishing and successfully well-controlled, high quality environment with young companies; where he implements internal audits, quality control and broker/correspondent approval functions. Mr. Cline specializes in Portfolio Risk Management. Mr. Cline is also involved in on-going examination of the performance of the mortgage product being originated and acquired by companies. As Vice Chairman of the Corporate Risk Management Committee, Mr. Cline’s knowledge of mortgage processes and performance contributed to the company's credit and risk policy. His intimate understanding, experience and knowledge led Mr. Cline into a marketing role responsible for communicating with secondary market investors, rating agencies, Wall Street traders/salesman and insurers at about the underlying quality of the company's MBS product. Mr. Cline soon drove established a mortgage brokerage which methodically grew into several states with a broad menu of products including A, Alt A, sub prime and FHA/VA. The company utilized state of the art technology tools to build efficiencies into the origination process. With experiences ranging from auditing mortgage companies to risk management in a top tier mortgage bank to starting up a new mortgage brokerage, Mr. Cline brings to the MBS a true empathy for our clients and the challenges/opportunities facing them. Mr. Cline resides in Charlotte, NC office. He is spend as much time as possible with his wife, son and two daughters. He holds a BSBA degree with an emphasis in Accounting from the University of North Carolina at Chapel Hill and a MBA from the University of North Carolina at Charlotte. He continues to maintain his designation as a Certified Public Accountant. Kenney Hayes
Mergers & Acquisitions
Email: Kenney Hayes is the Senior Consultant for Mergers & Acquisitions. She has led “due-diligence” teams with a proactive approach understanding the importance of merging two corporate cultures into one. As a thirty-seven year veteran within the mortgage banking industry, Mrs. Hayes is experience in processing and closing, underwriting and senior production manager. With her cutting edge ideas her uncanny ability to effectively communicate the organizations profit model, Mrs. Hayes has led in the mortgage banking division through hostile takeover and delivered one of the most profitable buyouts to Bank of America that was recorded during her period. Mrs. Hayes has a well-developed appetite for combining the real estate and the mortgage banking industry as affiliates after joining a mid-west company that specialized in such joint ventures. She successfully merged real estate and the mortgage side of business to meet the regulations required by HUD while maintaining profitability for the partners. Her motto “what gets measured gets done!” has propelled her into many unique opportunities creating a consistent record of measured results. She has created her own mortgage company and has been consulting for over ten years. Her expertise has coached, created and changed business operations improving efficiency. Mrs. Hayes was published in a feature article for Mortgage Banking magazine. Mrs. Hayes continues to give her time to non-profit groups teaching budgeting at her local community rescue mission. She is a published author and is involved in writing and composing Christian music. She lives with her husband and has two adult daughters. She resides in Tacoma/Seattle, WA area. Lloyd E. Arnold Jr.
Associate Consultant
Email: Mr. Arnold joined MBS, LLC in 2006 where he brings over twenty years of mortgage banking experience. His background includes Territory Relationship Management Sales, Loan Origination and Finance, Franchise Sales, Recruiting and Business Development. Prior to joining MBS, LLC Mr. Arnold served as an Executive Consultant and Executive Manager for several mortgage companies. He has expertise in recruiting and sales within the mortgage industry. He has managed several regional mortgage broker franchise sales departments and has maintained solid banking relationships throughout the mortgage industry. Mr. Arnold’s scope of experience has given him the ability to meet business challenges with decisiveness and well thought out business solutions. Mr. Arnold is the past President of the Texas Association of Mortgage Brokers, a Delegate Council Member of the national Association of Mortgage Brokers, and a Board Member in Houston, TX. He graduated from Southwest Texas State University where he earned a Bachelor’s degree in Business Administration with concentration in Marketing. Mr. Arnold has held licenses as a Broker, Texas Insurance License Group I and as a Texas Licensed Real Estate Agent. Mr. Arnold resides in Sugar Land, TX with his wife two daughters.
Management Philosophy Managing with impeccable integrity
Bold and Innovative
Solid experience solid results
Diversity of mortgage lending options
Managing Integrity MBS operates in a code of conduct that surpasses most expectation. In truthfulness and reliability MBS differentiates as a cut above on the cutting edge. Three words describe MBS Commitment Communicative and Connected. When these three are in motion things happen and people listen Bold and Innovative Bold and innovation best describes how MBS is revolutionizing the mortgage lending banking industry. With critical insights, MBS is at the forefront of the pack in mortgage lending technology. To be in front is to be effectively different. Every aspect of MBS offers and delivers advancement in transforming systems and technology. Solid experience solid results Solid experience is foundational for any business solution. MBS has just what it takes to catapult any serious company whose goal is to succeed at new levels. MBS produces solid and definitive results combining 30 years of mortgage lending stability and expertise. Diversity MBS believes that successful wealth comes through diversification. The mortgage banking industry has advanced and seen great change. Through the years MBS has captured and remains focused improving and implementing those service options MBS offers creative ways to exercise unlimited potential that achieves the overall company’s goals.
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