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We offer many mortgage products to meet your needs, conventional, jumbo, FHA, VA, USDA and private investors. Since we contract with many different lending institutions we always have products that are innovative and competitively priced. Why apply with one bank when you can have access to all of our lenders. In these difficult and changing times you need a lender that has more options to offer. Most lending institutions have only one set of guidelines to offer. If you do not fit into them it can be like forcing a round peg into a square hole. All lenders have their own guideline overlays these days. Some are unwilling to accept certain credit scores, others significantly limit the acceptable debt to income ratios. We have many lenders with a verity guidelines. This greatly increases your chances of getting approved. We don’t claim to be able to do every loan but we can increase your chances of approval. We have the lenders, the products, and the experience.

 
USDA Rural Development Loan Program
HomeReady
The Fannie Mae multiple property program
Jumbo Loans
Second Mortgages
Construction Loans
HomeStyle Renovation Loans
Good Neighbor Next Door Program
FHA Streamline Refinance loans

USDA Rural Development Loan Program
Finance your home with no money down. Guaranteed Rural Housing (GRH) Loan Program. The GRH Loan Program has fixed-rate and fixed-term mortgage financing guaranteed by the U.S. government. It offers favorable loan terms to give low-income borrowers the ability to purchase homes in rural areas. Features and Benefits • No down payment required • Closing costs may be financed on some transactions • Flexible credit standards • Reserves not required • No limitation on seller contributions • Property must be located in an eligible rural area Programs available only to qualified borrowers. Income limits apply. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.

Term: 30 years   Maximum Amount: $417,000

HomeReady
A great option for today’s homebuyers. See if a HomeReady™ mortgage is in the picture for you. This could be the affordable loan you’ve been looking for. HomeReady by Fannie Mae offers expanded eligibility for creditworthy borrowers whose financial challenges may have made buying a home seem like an impossibility in the past.1 Key Features • Income from a household member (extended family) may help a borrower qualify • Non-occupying co-borrowers may be able to assist with the home purchase • Gifts, grants, and Community Seconds® can be used as a source of funds for down payment and closing costs (1-unit properties only) • Additional sources of income could help qualify a borrower, e.g., rental payments from a basement apartment1 • Maximum loan-to-value (LTV) up to 97% on a new purchase of a single-family residence • Fixed rate purchase and rate/term refinance • Primary residence only Eligible Properties • 1- to 4-unit properties • Fannie Mae-eligible condominiums • Planned unit developments (PUDs) • Modular homes WLBC0116 1 Income limits may apply. Some restrictions may apply. All borrowers are subject to credit approval. Programs subject to change without notice. Underwriting terms and conditions apply. Online homeownership education required. HomeReady is a trademark of Fannie Mae.

Term: 30 years   Maximum Amount: $417,000

The Fannie Mae multiple property program
The Fannie Mae multiple property program is a fully amortizing, conforming first lien mortgage specifically for borrowers who own 5-10 financed properties.* FLEXIBLE TERMS g 30- and 15-year fixed-rate options. g Adjustable-rate option with a 5-year fixed-rate period. FEATURES AND BENEFITS g Second home and investment properties are eligible. g Interested party contributions of up to 9%. g Financing on up to 75% of the value of your home when purchasing or 70% for rate/term refinances. ELIGIBLE PROPERTIES g 1- to 2-unit properties. g Fannie Mae/Freddie Mac-eligible condominiums. g Planned unit developments (PUDs). *Geographic, unit and other restrictions apply. Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply. 0511

Term: 30 years   Maximum Amount: $417,000

Jumbo Loans
Bigger loans for your dream home. We offer jumbo mortgages. If you’re in the market for a home that needs a loan more than $417,000, look no further. We offer jumbo loans that have maximum flexibility with low rates. Once you’re qualified, you can purchase or refinance your dream home with ease. Features and Benefits • Fixed or adjustable rate • Loan amounts up to $3 million • Purchase, rate/term refinance, and cash-out refinance options for primary residences • Purchase and rate/term refinance options for second homes Eligible Property Types • 1-2 units • Warrantable condos (low/mid/high rise) • Planned Unit Developments • Leaseholds Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.

Term: 30 years   Maximum Amount: $3,000,000

Second Mortgages
Explore your financing options. Combine a conventional mortgage with a second mortgage. Call me to learn more. If you’re looking to finance a distinctive property, there are options beyond jumbo loans. With a piggyback loan from Flagstar Bank, you’re able to combine a conventional first mortgage—covering the bulk of the purchase price—with a fixed-rate second mortgage. Advantages • Avoid jumbo financing, which typically has limited availability and higher rates • Choose from purchase, rate-term, and cash-out refinance options • Purchase a home with a much lower downpayment Some restrictions may apply. All borrowers are subject to credit approval. Programs subject to change.

Construction Loans
Build it. Buy it. FHA, Conventional, and VA Construction One loan can cover both construction and purchase. A construction-to-permanent loan is more than a mortgage, it’s an opportunity to build your dream home. This loan provides financing for the construction of the home and the mortgage once construction is complete—all in one loan. One application, one closing. This loan even provides financing to purchase the lot. Already own it? You can use your equity as a down payment. Take advantage of all this loan has to offer: • Pay closing costs and fees only once by consolidating construction and purchase loans • No need to requalify for a new loan when construction is complete • Loan amount based off the finished appraised value1 • Up to 12 months to complete construction of the home • Interest-only payments while the home is under construction • Rate for mortgage locked in before closing • Simple draw process with no set draw schedule Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply. 1 If property owned prior to loan application.

HomeStyle Renovation Loans
Realize a home’s potential. Consider a Fannie Mae HomeStyle Renovation Mortgage. Why pass up a house that needs a little updating when it may be right for you? The Fannie Mae HomeStyle Renovation Mortgage allows you to combine the cost of the home with renovation or remodeling costs and finance it all in one loan. We’ll make the process as simple as possible. At closing, all funds for your renovation will be escrowed in an interest-earning account. And, after all of the renovation work is done, any remaining funds will be used to pay down the principal balance of the loan. Take advantage of all this loan has to offer: • Finance your home and renovation costs with one low down payment • Escrow your renovation funds in an interest-earning account • Use to finance your soft costs (architectural services, engineering, permit fees, etc.) Refinance options are also available with this loan. Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply.

Term: 30 years   Maximum Amount: $417,000

Good Neighbor Next Door Program
The Good Neighbor Next Door (GNND) program offers eligible law enforcement officers, teachers, firefighters and emergency medical technicians special financing. Simply purchase specific properties with an FHA mortgage and finance all reasonable and customary closing costs. HIGHLIGHTS g Eligible buyers can receive up to 50% off listing prices on certain HUD properties. g Low down payment. g Eligible teachers do not have to be first-time homebuyers. g Eligible properties are listed and sold exclusively over the Internet, offering convenience. For more information contact your lender or visit: http://www.hud.gov/offices/hsg/sfh/reo/goodn/gnndabot.cfm or to view eligible property, visit http://www.hud.gov/homes/index.cfm Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply. 1009 Good Neighbor Next Door Program Giving Back to Our Community Heroes

Term: 30 years   Maximum Amount: $417,000

FHA Streamline Refinance loans
Refinancing is a breeze. We offer FHA Streamline Refinance loans. If you currently have a Federal Housing Administration (FHA) loan, you may be eligible for one of the simplest money-saving refinances available today. The FHA Streamline Refinance allows existing FHA borrowers to reduce their interest rate without having to jump through hoops. • Lower monthly principal and interest payments • No income verification for non-credit qualified streamlines • Option to refinance without an appraisal • Subordinate financing may remain in place • Eligible properties: owner-occupied 1-4 unit, condos, PUDs; excludes manufactured homes Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply. Member FDIC Rev. 0813 Call me to learn more



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.