The Kevin Blair Team by Produced by The Mortgage Planner

About AboutUs Us

Office Office 423.488.7571 704-728-0191 www.kevinblairteam.com

Direct Lender - In-House Processing In-House Underwriting means faster loan approvals and higher pull through.

Communication

We communicate throughout the loan process, explaining it clearly, while educating you on the product choices that fit your individual needs.

Experience & Integrity

Over 100 years of combined residential lending experience, Element Funding will seamlessly guide you through the home buying process.

Customer Service

We are committed to providing excellent customer service that you deserve.

“A High Powered Mortgage ‘’A Mortgage Company Company With A Hometown Feel”

About Us About Element Funding a division of Primary Residential Mortgage Founded in 1998, PRMI is a nationwide lender licensed in

49 states with a funding capacity of one billion dollars. Since 2001, they have maintained an average annual volume of nearly five billion dollars and provides an exceptionally strong foundation. Element Funding, the top division year after year, provides customers with cost benefits, purchasing power and financial stability. Element Funding is one of the Southeast’s fastest growing mortgage lenders. As a well-

Through Element Funding, we offer trust and integrity. Rely on us.

capitalized, full-service mortgage banker, Element offers conventional, VA, FHA, USDA and other mortgage products to best fit your needs. Element Funding works with top builders and agents throughout the Atlanta metro area and assists customers by providing fast approvals, competitive rates and a smooth home financing experience.

Core Values

• Integrity in the loan process • Innovation in products, programs and services • Support for our partners • Caring for the communities we serve • Exceptional customer service

Your Satisfaction

Built upon trust, commitment and dependability, we are dedicated to creating an enduring relationship with you and meeting your needs. As your partner in home financing, your ultimate satisfaction is very important to us.

The Difference

We offer you a skilled team of mortgage experts. • Upfront underwriting within 48 hours of loan submission • Processing and closing within the branch • Operations team together for more than 20 years • Fast closings • Great rates

Meet our Team The Kevin Blair Team has over 40 years of lending experience, including 22 years as a Top 1% Loan Originator in the Nation. Our team is also part of Element Funding’s Elite Circle for Top Producers. Licensed in Tennessee, Georgia, Alabama, and Florida we have closed over 2,500 mortgages assisting thousands of people achieve the dream of home ownership. Kevin takes pride in quoting exact fees and giving sound financial advice. At Element Funding, we have had zero loans turned down in underwriting, meaning every loan closes, and closes on time. When Kevin says you are approved, both Buyers and Sellers can start packing!

Kevin Blair

Branch Manager NMLS 151159 GA MLO 59188 Office: 423.488.7571 Cell: 423.488.8465 kevinblair@elementfunding.com

Beth Eubanks NMLS# 1631045 Loan Coordinator Office 423-488-7571 Cell 423-598-8990

Josh Blair

Jordan Lindley Business Development Manager Office 423-488-7571 Cell 423-355-7804

Loan Processor Office 423-488-7571

Chad McCollough NMLS# 1793113 Processor Office 423-488-7571 Cell 865-242-1110

Cameron Webb NMLS#2123927 Loan Officer Assistant Office: 4223.488.7571

Loan Products Our wide selection of loans helps you win with every client. We offer full-service lending support from start to finish, updates throughout your transactions, great underwriting turn times, and a wide selection of loan products to match your clients with the perfect loan for them!

FULL ACCESS TO THE HOTTEST PRODUCTS Conventional: The “traditional” loan. Low rate, low down payment.

PRMI Choice: Special financing for FICOS® between 500 and 640.***

FHA: A great government-backed loan for first-time home buyers or those with higher debt to income ratios.

Renovations Loans: Loans up

Adjustable Rate Mortgage (ARM): Start off with a fixed rate for

Investment: For those looking

Jumbo: For larger loan amounts

VA: A product tailored to individuals who

a period of time and then turn into an adjustable rate. -up to $2.5 million.*

Refinance: For individuals who

currently own a property and are looking to either improve their financial situation or take out cash from their property’s equity.**

to $30,000 above purchase price toward home repair or remodel.

to finance property they don’t plan to occupy, and will rent to others.

are serving/have served in the military.****

Fixed Rate Option: 2 Year buy down

Alt-Portfolio: • Bank Statement • Foreclosures • Bankruptcy

*Limited availability in some areas. **When it comes to refinancing your home loan, you can generally reduce your monthly payment amount; however, total finance charges, may be higher over the life of your mortgage loan. ***FICO® is a registered trademark of Fair Isaac Corporation. ****VA home loan purchases, have options for 0% down payment, No private mortgage Insurance requirements, competitive interest rates, with specific qualification requirements. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA Cash-out Refinances are available for Veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and Lender overlays apply. Element funding is a Division of Primary Residential Mortgage Inc. PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.

Reviews Kevin and his team worked hard to make sure everything came together with our loan so we could close and move in to our amazing new home. We appreciate their hard work and dedication to us!

Robyn W.

This was the most hassle, stress-free mortgage process I could have imagined. The team kept me up to date daily on the process of my loan. Everyone was friendly and patient with my many questions. My closing was an absolute breeze. Thank you to the Kevin Blair Team - our family has a beautiful new home thanks to your guidance, expertise, and assistance!

Michelle G.

Each staff person I interacted with was professional, respectful and kind. They took the time to explain each step and phase in the process without talking down to me when I didn’t understand. They were patient and very communicative during the process never leaving me wonder where we were in process or what was happening. I felt fully supported. Thank you Kevin Blair Team!

Rita M.

You won’t find another team that has your interests at heart more than the Kevin Blair Team. I cannot thank them enough for their honesty and integrity throughout the entire process. Simply put, they are the best in town.

Derrick S.

Each person who helped me was incredible on an individual level - they listened, they heard my concerns, they took the time to explain my questions. Most importantly each person whom I worked with made me feel like they cared and wanted for me to make my own decision with as much knowledge to back that decision up. I could not have had a better experience. Thank you Kevin Blair Team!

William M.

I received Kevin’s email this morning that he sent to my clients telling them that they were clear to close. I just wanted to thank you all so very much for working with us and making this such a great experience. We found the most beautiful home in an awesome neighborhood that is so convenient to the mall, downtown, the freeway, and practically everywhere, and it is so pretty and everyone keeps their homes and yards beautiful and the whole neighborhood is gorgeous. It is almost too good to be true when I keep seeing more homes in the neighborhood with prices so much higher. I am so very excited we found it. What makes me happy also is when I see a lending group, Element Funding, love and take care of my clients and watch out for them and their interests like I do, it makes me extremely happy. You all have been so wonderful and worked so hard and even when we call at those hours during the day or night with pressing issues or questions, you always are there and we know we can trust you in helping us find out the answers to our questions. I want to thank you all again so very, very much for all that you do and we know that we are not just an address in the system with no name when you are working with us. You know us by name and we appreciate all of you so very much for your hard work.

Jodi Newell

Keller Williams agent

The Mortgage Process Mortgage Process

The Mortgage Process, The Mortgage Process, Step by Step Step by Step

Before you purchase a home, get acquainted with the basics of the home loan process. Follow these steps to Before you purchase a home, get acquainted with the basics of the home loan process. Follow these steps to familiarize yourself with common terms and milestones, and for a smoother overall buying experience. You’ll be familiarize yourself with common terms and milestones, and for a smoother overall buying experience. You’ll be glad you did! glad you did!

Preapproval:

Preapproval: A preapproval you know in advance howcan much home can afford. A preapproval helps you know inhelps advance how much home you afford. Toyou start, you may To be start, askedyou to may be asked to complete a loan Completing application. this Completing will also increase your power negotiating complete a loan application. step will this alsostep increase your negotiating whenpower makingwhen a making a purchase offer. purchase offer.

Documentation: Paperwork supporting application must submitted, which includes income Documentation: Paperwork supporting thethe application must alsoalso be be submitted, which includes income

and asset asset documents. documents. and

The Hunt:Begin Beginshopping shoppingforfora ahouse. house.Once Onceyou youfind findthe theright rightone, one,the theterms termsofofthe thesale salewill willbebenegotiated, negotiated, The Hunt: including the the price price and and potentially potentially the the terms terms of of the the loan loan being being sought. sought. A A professional professional real real estate estate agent agent can can make make including this part of the process fun and less frustrating. this part of the process fun and less frustrating.

Inspection and Appraisal: Lenders require an appraisal and may require certain inspections on all Inspection and Appraisal: Lenders require an appraisal and may require certain inspections on all

home sales. By knowing the true value of the home, the borrower is protected from overpaying. During this time, home sales. By knowing true value the home, the borrower is protected from overpaying. During this time, a title examination is alsothe performed to of determine whether any liens exist on the property’s previous owners. a title examination is also performed to determine whether any liens exist on the property’s previous owners. Loan Decision: The loan is approved or declined. A conditional loan approval may bemay contingent on additional Loan Decision: The loan is approved or declined. A conditional loan approval be contingent documentation or actions. In some casesInasome counter approval may approval be provided alternative loan options. on additional documentation or actions. cases a counter maywith be provided with alternative loan options. Closing: All final loan and escrow documents are signed. The lender confirms and completes the transaction Closing: All finalloan loanfunds. and escrow documents are signed. The lender confirms with the necessary and completes the transaction with the necessary loan funds.

If you know has has questions regarding the If you youororanyone anyone you know questions regarding the home loan I’mI’m happy to help. Get inGet touch home loanprocess, process, happy to help. in today. touch today.

ApplicationChecklist Checklist Application NEEDS LIST

Loan Application Documents Needs List

ALL BORROWERS: ALLW-2’s BORROWERS: for last two years ALLm BORROWERS: last two years m W-2’s Most for current paycheck stubs

Most paycheck stubs m W-2’s forcurrent last and two years m Checking Savings account statements to Checking and Savings account statements to include all m Mostpages current paycheck stubs include all pages even if blank (last 2 months) even if blank (last 2 months) m Quarterly Quarterly semi-annual statements for checking, oror semi-annual statements for checking, savings, m Checking and Savings account statements to IRA’s, CD’s, money market funds,market stocks, 401K, profit sharing savings, IRA’s, CD’s, money funds, stocks, include all pages even if blank (last 2 months) etc. 401K, profit sharing etc. m Quarterly orfully semi-annual statements for checking, executed salessales contract m Copy Copyofoffully executed contract Employment history for last two years savings, IRA’s, CD’s, money funds, stocks, m Employment history for lastmarket two years Residency history for last two years complete with landlord m or Residency historyetc. for last information two years complete with 401K, profit sharing mortgage company contact landlord or mortgage company Canceled earnest money check whencontact it clears information m Employment history for last two years security card and driver’scheck licensewhen for all it borrowers m Social Canceled earnest money clears and m Residency history for last two years complete with m non-purchasing Social securityspouse card and driver’s license for all Tax returns from past two years contact landlord or mortgage company borrowers andthe non-purchasing spouse information Copy of Note, Deed of Trust, Settlement Statement, and m Driver’s licensefrom for the all borrowers and m Tax returns past two years Survey if refinancing. m Copy of Note, Deed of Trust, Settlement non-purchasing Any assets usedspouse for down payment, closing cost,Statement, cash and Survey if refinancing. and large be documented by a paper m Any reserves, assets used fordeposits downmust payment, closing trail. m Any assets used for down payment, closing cost,Copies cashcost, andif paid large deposits must be ofreserves, sold properties off mortgage in last two years cash reserves, and large deposits must documented by a paper trail. be documented by a paper trail.

m Copies of sold properties if paid off mortgage in last two years

SELF EMPLOYED BORROWERS: SELF EMPLOYED BORROWERS: m Copies of most recent 2 years tax returns with all SELF BORROWERS: Copies of EMPLOYED most recent 2 years returns with all schedules schedules including K-I’s iftax applicable

Copies of lost most recent 2and years tax returns mm Current profit, statement, balance sheet with all Current profit, lost statement, and balance sheet schedules includingtax K-I’s if applicable m Copy Copy corporate/partnership tax returns most ofofcorporate/partnership returns for most for recent recent 2-year periodlost if owning orand more of of sheet 2-year period ifprofit, owning 25% or more 25% of company-copies m Current statement, balance W-2’s and/or 1099 forms company-copies of W-2’s and/or 1099 forms m Copy of corporate/partnership tax returns for including K-I’s if applicable

MISC. REQUIRED recent 2-yearDOCUMENTS: period if owning 25% or more of MISC. most REQUIRED DOCUMENTS: m Relocation Relocation Agreement if financed by employer, Agreement if financed by employer, i.e.buyout company-copies of W-2’s and/or 1099 forms i.e.buyoutplus agreement plus outlining documentation agreement documentation company, outlining and paid closing costsand benefits company, paid closing costs benefits Previous needneed copies of petition for bankruptcy REQUIRED DOCUMENTS: m MISC. Previousbankruptcy, bankruptcy, copies of petition for and discharge, including supporting schedule bankruptcy and discharge, including supporting m Previous bankruptcy, need copies of petition for Divorce Decree signed by judge if applicable schedule Documentation supporting moneys received from social bankruptcy and discharge, including supporting m security/retirement Divorce Decree trust signed by judge if applicable income, i.e. direct deposit bank schedule supporting moneys received from m statements, Documentation awards letter, evidence of income m Divorce Decree signed judgei.e. if applicable social security/retirement trustby income, direct DOCUMENTS FORstatements, VA LOANS: m Documentation supporting moneys received deposit bank awards letter, evidence of from Original Certificate of Eligibility and copy of DD214 Certificate income social security/retirement trust income, i.e. direct of Release or Discharge from Active Duty

Name and address nearest DOCUMENTS FORliving VArelative LOANS: deposit bankof statements, awards letter, evidence of

m Original Certificate of Eligibility and income copy of DD214 Certificate of Release or Discharge from Active Duty LOANS: m DOCUMENTS Name and address ofFOR nearestVA living relative

m Original Certificate of Eligibility and copy of DD214 m Certificate of Release or Discharge from Active Duty Copyright 2017 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org Name and address of nearest living relative North Carolina - Mooresville - Commissioner of Banks, Mortgagem Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

Moving Checklist MOVING DAY___________ START TIME____________ Book truck and/or movers Arrange child care for day of move Arrange pet care for day of move

PACKING

Purchase and/or collect boxes Get bubble wrap, newspaper/ tissue and packing tape Print labels for boxes or have a thick black marker on hand Collect giveaway items to donate Purge unneeded items Keys Stanley Knife

PERSONAL ITEMS

Daily medications Toiletries First aid kit Baby needs Pet needs Change of clothes Phone chargers Radio

HOUSEHOLD

Toilet Paper Soap (dish, laundry, etc.) Cleaning kit Bed linen Towels Pillows

CHANGE ADDRESS

Post office Government Veterans Administration Library Friends and Family Banking (order new check book) Insurance Doctor Dental School Place of Employment Cell phone Credit Card Subscriptions (magazine, newspaper etc.)

SERVICES TO DISCONNECT AND/OR TRANSFER Cable Internet Phone Electric Alarm Gas Water Sewer Trash & Recycling Toll Pass

CONTACT

Lawyer Accountant Broker Hair Stylist Dry Cleaner House of Worship

REGISTRATION

Driver’s license Vehicle registration Electoral roll Medicare Organ donation register Loyalty program

CLUBS

Health & fitness County Club

MISCELLANEOUS

Cleaning arrangements Change locks on new home Schedule needed maintenance Save all moving receipts Meal plan for first few days

YOUR DAILY LOAN STATUS REPORT FROM THE KEVIN BLAIR TEAM YOUR DAILY LOAN STATUS REPORT FROM TEAM BLAIRSMILES

Ordered/Received

Enjoy your coffee... and your Daily Status gram.

Application date: Income docs Requested Income docs received Sales Contract received Loan Docs Sent Loan Docs Received Appraisal Ordered Appraisal Received Title Ordered Title Received File in Set up File in Processing File in U/W Conditions from u/w Conditions sent to u/w Cleared to close Closing Date:

Comments:

www.kevinblairteam.com | (423) 488-7571

Kevin Blair NMLS# 151159 | GA MLO 59188 Element Funding 5617 Hwy 153 Suite 201 Hixson, TN 37415 Office 423-488-7571 www.kevinblairteam.com kevinblair@elementfunding.com

Element Funding is a Division of Primary Residential Mortgage, Inc. NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Department of Financial Institutions 109282, As Element Funding MLS-3094 OTN#1. NMLS #151159. GA MLO #59188

Frequently Asked Questions About Us Top 10 Mortgage Questions Answered WHAT IS A PRE-APPROVAL LETTER AND WHY SHOULD I GET ONE?

The lender issues an approval that states the lender agrees to provide a mortgage to a homebuyer. Commitment letters help you set realistic goals while your house hunting, provide the same negotiating ability as a cash buyer, and enable you to move quickly once the perfect home is found.

WHAT DOES IT MEAN TO WAIVE ESCROWS?

When you waive escrows, you take the responsibility of paying your taxes and insurance rather than having them included in your monthly payments. Waiving escrows may add a small fee to your closing costs. You can only waive escrows on Conventional loans and when the loan to value is 80% or less.

HOW DOES FOR SALE BY OWNER (FSBO) WORK?

Homeowners trying to sell their home without agent representation are hoping to save on commission costs. Most times the homeowner will work with an agent since the agent is introducing a potential buyer to the property.

WHAT IS PITI?

PITI is the principal and interest on the loan, plus the monthly amount for property taxes and insurance (the components of a monthly mortgage payment). This combined figure is used for determining a payment you may be able to afford.

WHAT ARE POINTS OR ORIGINATION FEES?

One point is equal to 1% of the loan amount. Points and origination fees are to buy down the interest rate and are tax deductible on purchase transactions.

WHAT IS PRIVATE MORTGAGE INSURANCE AND IS IT MANDATORY?

PMI is insurance required to cover the lender on a Conventional loan should the borrower default on the home. Eliminate PMI by having a down payment of at least 20% or by obtaining a second lien with an 80-10-10 or 80-15-5 program from another lender. Second lien programs result in two separate payments, one per lender.

WHY DID I RECEIVE LOAN ESTIMATE AND CLOSING DISCLOSURE FORMS?

The Loan Estimate form received within three business days after submitting a loan application will help consumers understand key features, cash to close, monthly payment, and mortgage related risks. The Closing Disclosure form provided three business days before the closing date will help consumers understand and verify the cost of the transaction.

WHAT IS THE DIFFERENCE BETWEEN FHA AND VA LOANS?

The Federal Housing Administration guarantees an FHA loan. FHA issues specific guidelines for mortgages. The Veterans Administration guarantees VA loans. VA loan borrowers must have served in the Armed Forces.

WHAT INSPECTIONS DOES THE LENDER REQUIRE?

A termite report is required on VA appraised transactions. Any infestations must be treated. If the Appraiser mentions or recommends repairs in the Property Appraisal, full repairs will be required before closing.

WHEN WILL I FIND OUT MY FINAL TOTAL COST TO CLOSE?

The lender will prepare the Closing Disclosure detailing the closing figures. After reviewing this statement, you will know your cash to close.

Don’t Do List

DON’T DO LIST

A GUIDE TO PREVENT LOAN DELAYS AND POSSIBLE REJECTION

DON’T make large non-payroll deposits without checking with your Loan Originator.

DON’T use credit cards excessively, let your accounts fall behind, or increase credit limits.

DON’T open a different bank account.

DON’T apply for any new credit accounts.

DON’T change jobs, become self-employed, or quit your job.

DON’T buy furniture or appliances.

DON’T take any unpaid time off.

DON’T buy a car, truck, van, or other type of vehicles.

DON’T spend money you have set aside for closing.

DON’T co-sign a loan for anyone.