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Closing on time matters.

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

ElementFunding.com | 954.332.0076

Apply Online Same Day Approval

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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Lane Baron Element Funding | Loan Originator NMLS# 332466 1007 Shotgun Road | Sunrise, FL 33326 954.332.0076 Office 954.868.1826 Cell 954.374.7309 Fax lbaron@elementfunding.com www.elementfunding.com/lbaron

Primary Residential Mortgage, Inc., DBA Element Funding, 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. Florida Office of Financial Regulation MLD646.

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Element Funding a HIGH POWERED mortgage company…

The Mortgage Planner

with aown feel homet

Homes For Heroes

Brad Roche

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191 ZERO DOWN payment options with over $2000 in credit off closing cost!

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. Department of Banking and Finance 6521. GA MLO 43062. Subject to credit approval. Some restrictions may apply. Other programs available. Program conditions subject to change without notice. Element Funding is an independent entity. All information is believed to be accurate and is subject to changes, errors and omissions without notice. Business is done in accordance with federal fair housing laws. Sample financing based on 30-year Conv loans at 4.25% interest rate; VA loans at 3.875% interest rate and VA 100% financing; FHA loans at 3.875% interest rate. a) $266,474 loan amount, 4.406% APR. b) $280,499 loan amount, 3.972% APR. c) $270,681 loan amount, 3.972% APR. d) $274,187 loan amount, 4.405% APR. e) $288,618 loan amount, 3.972% APR. f) $303,840 loan amount, 4.398% APR. g) $319,832 loan amount, 3.972% APR. h) $307,172 loan amount, 4.398% APR. i) $323,339 loan amount, 3.972% APR. j) $308,745 loan amount, 4.399% APR. k) $324,995 loan amount, 3.972% APR. Element Funding branch phone number: 704-728-0191.

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Copyright 2012 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org North Carolina - Mooresville - Commissioner of Banks, Mortgage Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

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Element Funding a HIGH POWERED mortgage company…

MOVING CHECKLIST

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

with aown feel homet

CHANGE ADDRESS

Gas Post office Water Government Sewer Veterans Administration Trash & Recycling Library PACKING Toll Pass Friends and Family Purchase and/or collect boxes Banking (order new check book) Get bubble wrap, newspaper/tissue and CONTACT Insurance packing tape Lawyer Doctor Print labels for boxes or have a thick black Accountant Dental marker on hand Broker School Collect giveaway items to donate Hair Stylist Place of Employment Purge unneeded items Dry Cleaner Cell phone Keys House of Worship Credit Card Stanley Knife Subscriptions (magazine, newspaper etc.) REGISTRATION PERSONAL ITEMS Driver’s license SERVICES TO DISCONNECT Daily medications Vehicle registration AND/OR TRANSFER Toiletries Electoral roll Cable First aid kit Medicare Internet Baby needs Organ donation register Phone Pet needs Loyalty program Electric Change of clothes Alarm Phone chargers CLUBS Radio Health & fitness County Club

HOUSEHOLD

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

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

MISCELLANEOUS

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

Brad Roche Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

Mortgage Planner

Copyright 2017 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org North Carolina - Mooresville - Commissioner of Banks, Mortgage Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

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Element Funding a HIGH POWERED mortgage company…

with aown feel homet

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

Brad Roche Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

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ELEMENT EXTRA’S

Doctor Program

INTEREST RATE LOCK & BUILD OPTION

elementfunding.com/nmanor | 561-253-0575

Element Funding understands the unique financial needs of doctors. Whether your borrower is still finishing residency or a partner in a fast-growing practice, the Element Funding Doctor Loan may be the perfect mortgage option fit. LENDER CREDIT

www.LauraLail.com | 980-240-1938

The Doctor Program allows for student loan payments to be excluded from the debt-to-income calculation.

Laura Lail Loan Officer NMLS# 570231 Direct: 980.240.1938 Office: 704-728-0191 llail@elementfunding.com 200 North Harbor Place Suite E Davidson, NC 28036 Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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Nichole Manor Element Funding NMLS# 339002 561-253-0575 Office 561-385-1895 Cell nmanor@elementfunding.com www.elementfunding.com/nmanor

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“A HIGH POWERED MORTGAGE COMPANY WITH A HOMETOWN FEEL”

ELEMENT EXPRESS Service and Expertise Included

Brad Roche has been a Mortgage Planner for 24 years and continues to rank nationally for

his sales volume. He had the privilege of being a National Sales Trainer for 10 years, a Direct Endorsed Underwriter for HUD 10 years and a Licensed Real Estate Agent for 11 years. He has several certifications in Leadership Training and was awarded a Master Graduate in 2000. In addition, he has been lead developer on multi-million dollar projects, in commercial & residential. Recently, Brad has been approved as a certified class instructor with Central Piedmont Community College. They are the largest community college in the U.S. In addition, he is also a best selling author

ELEMENT FUNDING

3 times over sharing his mortgage, coaching and investment property knowledge in his books which are available on Amazon. He has been in many articles and press releases for mortgage related topics as shown below and noted as an expert in his field.

BRAD ROCHE We are committed to providing clients with the highest level of service, expertise and experience.

www.TheMortgagePlanner.net | 704-728-0191 With Element Express save time by using our validation system! No gathering bank statements, pay stubs or taxes! Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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Qualifications and program restrictions apply. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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530 St. Ives Walk | Monroe, GA MLS# 8169062 | $879,000

USDA BUILDER INCENTIVE

6 Beds | 6.5 Baths | 4,726 Sq.Ft. Custom built French Provincial located on 1.81 acre professionally manicured estate lot in gated community of downtown Monroe. This home features 5 bedrooms, 4 baths, vaulted ceilings, large rooms, Chefs kitchen w Viking Appliances, beautiful cabinetry throughout overlooking pool/ pool house, and athletic field for great family activities. Finished basement.

411 St. Ives Walk | Monroe, GA MLS# 8007055 | $599,500 4 Beds | 2 Baths | 4,003 Sq.Ft.

Carol Samuelson, Realtor 404-734-7334

Craftman Styled Home with beautiful open Floor plan. Vaulted great room with a gorgeous Stone Fireplace. Large open kitchen with island, granite counter tops and custom cabinetry. Large walk in pantry. Keeping room with fireplace. Owner’s suite on main level with luxury spa bath. Formal dining room with coffered ceiling. 3 Bedrooms on upper level. Private wooded backyard. This home has all the bells and whistles. Great location!!

Ben Doster, Realtor 678-977-5497 Keller Williams Atlanta Partners 4495 Atlanta Hwy, Building 100, Suite A Office 678-287-4300

OFF

638 St Ives Walk | Monroe, GA MLS# 8130694 | $549,000

Zero Down Payment

5 Beds | 5 Baths | 5,202 Sq.Ft. Come home to an inviting family room with double sided FP. The large charming kitchen offers keeping room with fireplace, white cabinets, granite counters and breakfast bar. Hardwood floors are immaculate. Plantation shutters and custom drapes. Distinctive study off foyer. Upstairs boasts of 2nd family room, game room, 2 BR’s, 2 Baths. Master BR on main w/2nd BR. Full unfinished basement. This is a wonderful home, suitable for a large family and lots of guests.

FOR FINANCING INFORMATION

614 St. Ives Walk | Monroe, GA MLS# 8160102 | $469,900 5 Beds | 4 Baths | 4,003 Sq.Ft. New construction/Hazelwood Square. Private and prestigious gated estate community. Incredible features with detail throughout. Master on main. Study or office on main floor. 4 bedrooms upstairs. Upgraded kitchen with granite, tile back splash, under counter lighting, stainless steel appliances including refrigerator and a large work island.

DeAnn Ellis Loan Officer NMLS# 148916 1108 Clark St. SW Covington, GA 30014 Cell 770.616.8042 Office 678-259-0205 deannellis@elementfunding.com For more information about DeAnn Ellis, visit: http://EllisMortgageTeam.com

ENTER TO WIN YETI Cooler and 4 YETI Cups* *Contact DeAnn for more details at deannellis@elementfunding.com No purchase necessary. Prize will be awarded on [DATE] at the [LOCATION]. One ticket per individual will be awarded [DESCRIBE HOW TO ENTER] by [DATE]. One participant will win a [PRIZE] valued at [VALUE OF PRIZE]. You must be 18 years or older to participate. Participants employed in any real estate or mortgage related field are not eligible. Void where prohibited. Primary Residential Mortgage, Inc., DBA Element Funding, 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. Georgia Department of Banking and Finance 6521.

Mortgage Planner

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

$1000 OFF CLOSING COSTS WITH APPROVED BUILDERS*

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax *Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $1000 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 2017. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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LOAN OFFICERS! Let’s meet about our high power marketing platform

Experience the Difference

$1000 OFF CLOSING COST FOR FACULTY, ALUMNI, STUDENT BODY AND FAMILY. TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191 Leigh Kugler

Brad Roche

Element Funding | Loan Officer

Element Funding | NC/SC Area Manager

NMLS# 41392

PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office | 704.625.3776 Efax

Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $1000 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 2017.

www.elementfunding.com/gtuorto | 561.624.8583

Gary Tuorto Element Funding | Sales Manager NMLS# 417683 701 North Point Parkway, Suite 405 West Palm Beach | FL 33407 Work 561.624.8583 Cell 954.931.2502 Fax 561.807.5975 gtuorto@elementfunding.com www.elementfunding.com/gtuorto

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Getting a Mortgage?

At first glance many lenders look alike...

Make sure you take advantage of our SECOND LOOK program.

Learn how we are setting a standard in lending

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191

STEP 1: SEND IN YOUR CURRENT QUOTE

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

STEP 2: 20 MINUTE PLANNING CALL STEP 3: $200 CLOSING COST CREDIT

The Mortgage Planner Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

Brad Roche Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

Mortgage Planner

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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A HIGH POWERED MORTGAGE COMPANY

The Mortgage Planner

with aown feel homet

Homes For Heroes

Brad Roche

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191 ZERO DOWN payment options with over $2000 in credit off closing cost!

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. Department of Banking and Finance 6521. GA MLO 43062. Subject to credit approval. Some restrictions may apply. Other programs available. Program conditions subject to change without notice. Element Funding is an independent entity. All information is believed to be accurate and is subject to changes, errors and omissions without notice. Business is done in accordance with federal fair housing laws. Sample financing based on 30-year Conv loans at 4.25% interest rate; VA loans at 3.875% interest rate and VA 100% financing; FHA loans at 3.875% interest rate. a) $266,474 loan amount, 4.406% APR. b) $280,499 loan amount, 3.972% APR. c) $270,681 loan amount, 3.972% APR. d) $274,187 loan amount, 4.405% APR. e) $288,618 loan amount, 3.972% APR. f) $303,840 loan amount, 4.398% APR. g) $319,832 loan amount, 3.972% APR. h) $307,172 loan amount, 4.398% APR. i) $323,339 loan amount, 3.972% APR. j) $308,745 loan amount, 4.399% APR. k) $324,995 loan amount, 3.972% APR. Element Funding branch phone number: 704-728-0191.

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FREQUENTLY ASKED QUESTIONS

A Touch e Above th t Res

20+ Years nce Experie

Partner Resource Center

White Glove Service

Concierge Passport to Charlotte

On Time Closings

Top 10 Mortgage Questions Answered Self Directed IRA & 1031 Exchange Planning

Experience the Difference

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?

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

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? Brad Roche | Mortgage Planner

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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. Copyright 2017 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org North Carolina - Mooresville - Commissioner of Banks, Mortgage Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

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A HIGH POWERED MORTGAGE COMPANY

with aown feel homet

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Mortgage Planner

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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1031 Exchange THE

Mortgage Planner

Jumbo Loan Second Home Construction

Enjoy your coffee... and your Weekly Status gram.

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

www.TheMortgagePlanner.net | 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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TOP 1%

Mortgage Originators In America 2016

ELEMENT EXPRESS

Service and Expertise Included

Lane Baron-Element Funding

Dear Friends, I wanted to thank you for your loyalty and support in 2016! Your trust and many referrals from friends, family and coworkers has truly made it a great year and I am honored to have served you! In the coming months if you run into anyone else I may be able to help with a purchase or refinance please let them know about me! I’m going to make a run at it again this year and couldn’t have done it without you. www.TheMortgagePlanner.net | 704-728-0191

Your lender for life, Lane Baron NMLS# 332466

With Element Express save time by using our validation system! No gathering bank statements, pay stubs or taxes! Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

Mortgage Planner

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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ZILLOW LENDER DISCOUNT OFFER

$500

stunning home on prestige golf course!

OFF CLOSING COST

A P P LY N O W T H R O U G H M A Y 3 0 T H A N D S A V E *

$1,500,000

12552 Overlook Mountain Drive | Charlotte, NC MLS# 3240711 | $1,500,000

FOR FINANCING INFORMATION Located at Mountain Island Lake, full brick home, 2.5 story featuring a finished walk out basement! Features include 6 bedrooms, study, 4.5 baths, kitchen features 42” raised panel cabinetry, wine cooler, Corian counters and butler pantry, heavy crown moulding throughout, basement shop and storage area. Finished basement offers private retreat for guests and floor plan is perfect for entertaining. Backyard is private and exterior features an upper level deck and patio.

20% down fixeda

20% down 5-yr ARMb

20% down 7-yr AR

Principal & Interest Mortgage Insurance Taxes Homeoner’s Insurance

$4,229 ____

$3,913 ____

$4,038 ____

$910 $150

MONTHLY PAYMENT

$5,289

$4,973

$5,098

Brandon Colberg Branch Manager NMLS# 144124 Element Funding 6100 Fairview Rd 350 Charlotte, NC 28210 Cell 704-999-6646 Fax 704-749-9441 Apply Online: www.brandoncolberg.com Be sure to download my FREE mortgage app to your cell phone! http://mtgpro.co/4usdz

Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. Department of Banking and Finance 6521. GA MLO 43062. Subject to credit approval. Some restrictions may apply. Other programs available. Program conditions subject to change without notice. Element Funding is an independent entity. All information is believed to be accurate and is subject to changes, errors and omissions without notice. Business is done in accordance with federal fair housing laws. Sample financing based on 30-year Conv loans at 4.25% interest rate; VA loans at 3.875% interest rate and VA 100% financing; FHA loans at 3.875% interest rate. a) $266,474 loan amount, 4.406% APR. b) $280,499 loan amount, 3.972% APR. c) $270,681 loan amount, 3.972% APR. d) $274,187 loan amount, 4.405% APR. e) $288,618 loan amount, 3.972% APR. f) $303,840 loan amount, 4.398% APR. g) $319,832 loan amount, 3.972% APR. h) $307,172 loan amount, 4.398% APR. i) $323,339 loan amount, 3.972% APR. j) $308,745 loan amount, 4.399% APR. k) $324,995 loan amount, 3.972% APR. Element Funding branch phone number: 704-728-0191.

Mortgage Planner

ElementFunding.com | 941-309-5131 Steve Svirsky NMLS #342898 Cell 941-705-8550

Bart Leereveld NMLS #1044120 Cell 941-232-9958

1990 Main St., Suite 750 • Sarasota, FL 34236 Phone: 941.309.5131 www.elementfunding.com *Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $500 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before May 30th. Primary Residential Mortgage, Inc., DBA Element Funding, 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. Florida Office of Financial Regulation MLD646.

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SARASOTA’S

LENDING EXPERTS

marketing platform & team design above the rest

DELIVERING EXPERTISE, EXPERIENCE AND THE WOW FACTOR OF LENDING

ElementFunding.com | 941-309-5131

www.elementfunding.com/gtuorto | 561.624.8583

Gary Tuorto Element Funding | Sales Manager NMLS# 417683

1990 Main St., Suite 750 • Sarasota, FL 34236 Phone: 941.309.5131 www.elementfunding.com

701 North Point Parkway, Suite 405 West Palm Beach | FL 33407 Work 561.624.8583 Cell 954.931.2502 Fax 561.807.5975 gtuorto@elementfunding.com www.elementfunding.com/gtuorto

Steve Svirsky NMLS #342898 Cell 941-705-8550

Bart Leereveld NMLS #1044120 Cell 941-232-9958

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ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

ElementFunding.com | 954-332-4435

The Key to Home Ownership

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

Mortgage Planner

Maurice Kalter Element Funding | Loan Originator NMLS# 277961 1007 Shotgun Road | Sunrise, FL 33326 954-332-4435 Office 561-245-1100 Cell 561-491-6856 Fax mkalter@elementfunding.com www.elementfunding.com/mkalter

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Element Funding a HIGH POWERED mortgage company…

with aown feel homet

www.TheMortgagePlanner.net | 704-608-5475

www.TrowellJernigan.com | 706-207-9747

ZERO DOWN

PAYMENT OPTIONS WITH OVER $2000 IN CREDIT OFF CLOSING COST! VETERANS, TEACHERS, POLICE, FIRE, HEALTHCARE, ALL QUALIFY

Trowell Jernigan

Branch Manager NMLS# 450353 MLO# 66754, 42534, 450353 Office: 706-504-9672 Cell: 706-207-9747 trowell@elementfunding.com Athens Branch 3651 Mars Hill Road, Suite 1500 Watkinsville, GA 30677 Primary Residential Mortgage, Inc., DBA Element Funding, 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. Georgia Department of Banking and Finance 6521.

Mortgage Planner

Leigh Kugler

Karen T. Cynowa

Element Funding | Loan Officer

Broker-NC/SC

NMLS# 41392

Helen Adams Realty Kcynowa@helenadamsrealty.com

704.728.0191 Office

704-729-4699

704.625.3776 Efax

15235-John J Delaney Dr. Charlotte, NC 28277

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At first glance many lenders look alike...

DON’T DO LIST

A GUIDE TO PREVENT LOAN DELAYS AND POSSIBLE REJECTION

Learn how we are setting a standard in lending ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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.

2 3

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

7 8

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.

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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A HIGH POWERED MORTGAGE COMPANY

with aown feel homet

A HIGH POWERED MORTGAGE COMPANY

with aown feel homet ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

Brad Roche | Mortgage Planner

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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$500

The Mortgage Planner

OFF CLOSING COST

Preferred Lender

A Touch Above the Rest...

FREE ROOM CLEANING

from Bigg Time Carpet & Upholstery Cleaning

when you use THE MORTGAGE P L A N N E R

Brad Roche

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191

• Expert Mortgage Advice

• White Glove Difference

• Multi-Product Resources

• Personal Consultants

• Partner Resource Center

• Concierge Passport to

• EMortgage Client Efficiency

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191

The Mortgage Planner

Charlotte

• Market Intelligence

• Premier Appraisal Panel

• Market Monitoring Systems

• 20+ year Mortgage Planner

• 1031 Exchange Planning

• Self Directed IRA Planning

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax *Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $500 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 2017. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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ELEMENT EXPRESS

Service and Expertise Included

Charleston Style home with impressive Balcony

$315,000

2527 NW Botanical Court | Concord, NC MLS# 3269894 | $315,000

FOR FINANCING INFORMATION

www.TheMortgagePlanner.net | 704-728-0191

With Element Express save time by using our validation system! No gathering bank statements, pay stubs or taxes!

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Michael Frazier

Payment options?

Senior Loan Officer NMLS# 22526 Element Funding 200 North Harbor Place, Suite E Davidson, NC 28036 Cell 315.409.9269 Fax 910.672.7935 mfrazier@elementfunding.com www.mortgagetiming.com

Mortgage Planner

This Charleston Style home with impressive Balcony has it all! Storage galore with tandem 3 CAR GARAGE. Bay window accents the living room/dining room. Great WOOD FLOORS entire first floor. A Big SUNROOM! Great room FIREPLACE (never used). Gorgeous granite in chef’s kitchen with double ovens & smooth cooktop, pantry. Huge loft/flex room. Spacious master suite with luxury bath featuring garden tub. Patio with private cozy yard (tree view), new landscaping. Clean and fresh, move right in. Close to grocery, shopping, I-85.

Download our free mobile app with up to date program options and interest rates. http://mtgpro.co/79m7m

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$500 OFF CLOSING COSTS*

PREFERRED LENDER EMPLOYEE, FRIENDS & FAMILY DISCOUNT

$500 OFF CLOSING COSTS*

30 years experience as a car dealer

TheMortgagePlanner.net | 704-728-0191

Brad Roche Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

Sumner Corrigall Loan Officer Assistant NMLS# 1573456 704.728.0191 Office | 704.625.3776 Efax *Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $500 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 2017. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

Mortgage Planner

Brad Roche Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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MORE OPTIONS...

To Expand Your Product Offering and Grow Your Business

Jumbo Loans

Foreign National Program

• Credit scores down to 500 • Up to 90% LTV • No mortgage insurance • No seasoning for foreclosure, short sale, BK • Loans to $3 million • Bank statement program for self-employed borrowers • Owner-occupied, second homes and investment properties

• Non-US credit accepted • Fewer country restrictions • Up to 75% LTV • Up to 50% DTI • Single family, townhouses, condominiums, 2-4 units • Loans up to $750,000 • No SSN or ITIN required

For Borrowers That Don’t Meet Traditional Financing Requirements

Bank Statement Program • No tax returns required • Personal to 90% LTV, Business to 80% LTV • 24 month bank statements starting at 620 • 12 month personal bank statements starting at 680 • 2 years seasoning on short sale or foreclosure • Loans up to $2 million • Owner-occupied, second homes and investment properties • Purchase, R&T and Cash-Out • 2 year self-employed required

MARCH MADNESS

$250 OFF*

Do you have clients with a recent bankruptcy? Don’t turn them away! Your clients can buy a home now: no waiting period.

• Chapter 7: No seasoning with foreclosure completed event • Chapter 13: No seasoning – paid as agreed • Up to 80% LTV • Up to 50% DTI • Credit scores down to 500 • Bank statement program for self-employed borrowers • Loans up to $1 million

*250 off closing costs

when contract received in March! ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

www.TheMortgagePlanner.net | 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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Apply

Approve

A HIGH POWERED MORTGAGE COMPANY

with aown feel homet ElementFunding.com | 954.332.0076

As Easy As 1, 2, 3 Lane Baron Element Funding | Loan Originator NMLS# 332466 1007 Shotgun Road | Sunrise, FL 33326 954.332.0076 Office 954.868.1826 Cell 954.374.7309 Fax lbaron@elementfunding.com www.elementfunding.com/lbaron

Mortgage Planner

www.TheMortgagePlanner.net | 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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A HIGH POWERED MORTGAGE COMPANY

with aown feel homet

with a hometown feel

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

www.TheMortgagePlanner.net | 704-728-0191

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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A HIGH POWERED MORTGAGE COMPANY

with aown feel homet

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

Are you getting your weekly updates? Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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The Mortgage Planner

Experience the Difference

COMPLETE MORTGAGE SYSTEM A TOUCH ABOVE THE REST

Brad Roche

TheMortgagePlanner.Net | 855-4-THE PLAN OR 704-728-0191

ElementFunding.com | 855-4-THE PLAN OR 704-728-0191

• Expert Mortgage Advise

• White Glove Difference

• Multi-Product Resources

• Personal Consultants

Brad Roche

• Partner Resource Center

• Concierge Passport to

Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

• EMortgage Client Efficiency

Charlotte

• Market Intelligence

• Premier Appraisal Panel

• Market Monitoring Systems

• 20+ year Mortgage Planner

• 1031 Exchange Planning

• Self Directed IRA Planning

704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax Copyright 2012 All Rights Reserved | Brad Roche, NMLS ID#135191. | Element Funding | www.nmlsconsumeraccess.org North Carolina - Mooresville - Commissioner of Banks, Mortgage Lender License, L-112833-194 South Carolina - Mooresville NC Branch - Dept. of Consumer Affairs, MLB-1298133 OTN #1, Board of Financial Institutions

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EXCLUSIVE FEATURES Monthly Lead Report Thank You for Your Service

Lender LIVE

Meet. Apply. Face Time Approval!

ElementFunding.com | 954.332.0076

LenderLIVE is our in-house system that captures the service of today!

$250

www.LendingwithLydia.com | 704-605-2012

OFF CLOSING COST

Lane Baron Lydia Pyatt Loan Officer NMLS 796897 Direct: 704.605.2012 Office: 704.728.0191 lpyatt@elementfunding.com www.LendingwithLydia.com 6100 Fairview Road, Suite 350 Charlotte, NC 28120 Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

Mortgage Planner

Element Funding | Loan Originator NMLS# 332466 1007 Shotgun Road | Sunrise, FL 33326 954.332.0076 Office • 954.868.1826 Cell • 954.374.7309 Fax lbaron@elementfunding.com • www.elementfunding.com/lbaron Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $250 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 2017. Primary Residential Mortgage, Inc., DBA Element Funding, 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. Florida Office of Financial Regulation MLD646.

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ELEMENT EXPRESS

OPEN HOUSE

LUNCHEON

Service and Expertise Included

Tuesday April 25th | 12:00 to 2:00 | 411 St Ives Walk | Monroe, GA Craftman Styled Home with beautiful open Floor plan. Vaulted great room with a gorgeous Stone Fireplace. Large open kitchen with island, granite counter tops and custom cabinetry. Large walk in pantry. Keeping room with fireplace. Owner’s suite on main level with luxury spa bath. Formal dining room with coffered ceiling. 3 Bedrooms on upper level. Private wooded backyard. This home has all the bells and whistles. Great location!!

MLS# 8007055 | $599,500 4 Beds | 4.5 Baths | 4,003 Sq.Ft.

ENTER TO WIN YETI Cooler and 4 YETI Cups*

www.TheMortgagePlanner.net | 704-728-0191

*Contact DeAnn for more details at deannellis@elementfunding.com No purchase necessary. Prize will be awarded on [DATE] at the [LOCATION]. One ticket per individual will be awarded [DESCRIBE HOW TO ENTER] by [DATE]. One participant will win a [PRIZE] valued at [VALUE OF PRIZE]. You must be 18 years or older to participate. Participants employed in any real estate or mortgage related field are not eligible. Void where prohibited.

With Element Express save time by using our validation system! No gathering bank statements, pay stubs or taxes!

DeAnn Ellis Loan Officer NMLS# 148916 Cell 770.616.8042 Office 678-259-0205 deannellis@elementfunding.com

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

1108 Clark St. SW | Covington, GA 30014 | EllisMortgageTeam.com Qualifications and program restrictions apply. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

Mortgage Planner

Carol Samuelson, Realtor 404-734-7334 Ben Doster, Realtor 678-977-5497 Keller Williams Atlanta Partners 4495 Atlanta Hwy, Building 100, Suite A Office 678-287-4300

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Thank You for Your Service

STEP-BY-STEP LOAN PROCESS

BEGIN

Get Pre-Qualified

Shop for a Home

Make an Offer

6 7

Final Loan Documents Sent to Escrow Officer

8 ElementFunding.com | 954.332.0076

$250

Closing

Loan Underwriting

Home Approval

Additional documentation may be requested at this time.

You will sign the docs and bring any funds needed to close.

Funding

The loan is funded and your receive your keys!

Home Inspection (optional)

CONGRATS! NEW HOMEOWNER

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

OFF CLOSING COST

Lane Baron

Mortgage Planner

Brad Roche | Mortgage Planner Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191 704.728.0191 Office 704.929.7718 Cell 704.625.3776 Efax

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HOME BUYER AND

INVESTMENT PROPERTY

Event

of Completion

• Free buyer workbook

Attending the event:

• Free investment property workbook

• Receive free appraisal certificate

• Learn areas to gain profit from investing in real estate

• Free credit report and analysis

• Down payment grants and assistance • Credit report insights and scoring

• Limited copies given on Charlotte best seller real estate book

• 30 local area hot property listings

Over $1000 buyer incentives

• Free home warranty certificate

Limited Seating • Reserve Now • Reservations Call 704-728-0191

www.CharlotteHomeBuyerExpertEvent.com

Brad Roche

Mortgage Planner

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A touch above the rest. A touch above the rest. ELEMENT EXPRESS EQUITY STRATEGIST

SAME DAY APPROVAL

CONCIERGE SERVICES PLANNING SESSIONS

www.TheMortgagePlanner.net

Michael Frazier

Laura Lail

Angela Roche

Brad Roche

Glen Chavis

www.TheMortgagePlanner.net

| 704-728-0191

Jennifer Rakes

Leigh Kugler

Tommy Bush

200E North Harbor Place • Davidson | 702B Brawley School Road • Mooresville | 6100 Fairview Road • Charlotte Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1. NMLS#135191

Michael Frazier

Laura Lail

Angela Roche

Brad Roche

Glen Chavis

| 704-728-0191

Jennifer Rakes

Leigh Kugler

Tommy Bush

Mortgage Planner

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Print Media Flyers YOUR LOCAL MORTGAGE EXPERT Jared Krewson Mortgage Consultant NMLS#1071768 704.776.0484 6100 Fairview Road, Suite 350 Charlotte, NC 28210 jkrewson@elementfunding.com jaredkrewson.com

Element Funding a HIGH POWERED mortgage company…

with aown feel homet

PREFERRED LENDER FINANCING

Jared Krewson is a true native of Charlotte. Having been born and raised in the area, he has witnessed the region’s development over the years first hand. His long-standing ties to the area have allowed him to establish a premier network in Charlotte that serves to benefit his clients and referral partners. Jared is the preferred lender of more than 50 businesses in the greater Charlotte area-he looks forward to sharing his connections to provide his clients with discounts on home goods, dining, entertainment, investments, and more. He also serves as the preferred lender for multiple builders throughout the Carolinas. Jared strives to provide a level of service equal to that of a five-diamond-awarded hotel concierge. Jared is eager to answer any questions you may have regarding your mortgage concerns. He is available anytime to meet or speak with you and review mortgage scenarios on a complimentary basis, and he looks forward to meeting your home mortgage needs!

Home financing specialities

• First-time homebuyers, move-up buyers Second homes and investments • Conventional, FHA, VA, and USDA financing • City, county, and state grant and bond programs ...and many others

Contact Jared today to receive an exceptional home financing experience! Jaredkrewson.com Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

ABOUT PRMI AND ELEMENT FUNDING Founded in 1998, Primary Residential Mortgage, Inc. (PRMI) is a nationwide lender licensed in 47 states with a funding capacity of one billion dollars. Since 2001, PRMI has maintained an average annual volume of nearly five billon dollars and provides an exceptionally strong foundation. As a division of PRMI, Element Funding 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-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 southeast 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 72 hours of loan submission • Processing and closing within the branch • Operations team together for more than 18 years

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

APPLICATION CHECKLIST

Checklist of items to have ready! q W-2 Forms and Tax Returns-past two years q Paycheck Stubs-copy of most recent 30-day period q Addresses-past two years q Employment history-past two years including dates employed, name, address, and phone number of employer q Bank statements-copy for all accounts covering recent two months If you are self-employed or paid commission q P&L Statement-current year-to-date q Balance Sheet-past two years q Tax Returns-two years signed federal tax returns and all schedules (including K-1s) If you are currently renting q Rental History-landlord’s names and phone numbers for the past two years If you are purchasing a home q Copy of Sale Contract If you are refinancing q Copy of title insurance policy q Copy of current mortgage payment coupon q Copy of homeowner’s and (if applicable) flood insurance policy q Copy of warranty deed q Copy of property survey Other items to remember q Divorce Decree (if applicable)

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I CLOSE DEALS IN HEELS

Helping one person might not change the whole world, but it could change the world for one person

www.LauraLail.com | 980-240-1938

www.EllisMortgageTeam.com | 678-259-0205

Every Client has a Story... DeAnn Ellis

Laura Lail Loan Officer NMLS# 570231 Direct: 980.240.1938 Office: 704-728-0191 llail@elementfunding.com 200 North Harbor Place Suite E Davidson, NC 28036

Mortgage Planner

Loan Officer NMLS# 148916 1108 Clark St. SW Covington, GA 30014 Cell 770.616.8042 Office 678-259-0205 deannellis@elementfunding.com

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Included with our services 4 Lock and Shop you can lock your interest rate at no cost while shopping for a home (consult with Loan Officer for specifics and needs based on market conditions)

4 Weekly personal concierge updates while under contract to closing 4 Passport to the Carolina’s Event Facebook membership and discounts to local businesses. 4 Complimentary Move in Lawn Service week of closing 4 Family Pizza Delivery Service week of closing 4 12 month membership to Element Advantage Up to $7500 in discounts from major retailers on furniture, appliances, home décor, tools and more! (Including retails such as Target, Papa Johns, Costco, Sears ADT to name a few)

4 12 month membership to Element Travel Up to 50% off Hotels, air travel, gym membership, car care and more!

CUTTING EDGE

4 Ticket Pack 2 complimentary tickets to a surrounding area sporting event when you complete our at closing survey

BUYER AND SELLER MARKETING TOOLS

(tickets are issued based on availability and season)

4 Annual Review Service Yearly on your mortgage anniversary our experienced team reviews your current financing terms, principal balance, interest allocation, amortization schedule, insurance and more. This service is included year after year regardless of

www.ElementFunding.com/branches/5347/cowens | 904.469.0225

your servicer and is available to friends or family members at no additional cost. This service has saved client thousands over the term they retain the home.

4 No Cost Interest Rate Reduction, Home Equity Line of Credit, Refinances, and Term Reductions. Primary Residential Mortgage, Inc., DBA Element Funding, 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. Florida Office of Financial Regulation MLD646.

Mortgage Planner

Christopher Owens Element Funding | Branch Manager NMLS# 392283 841 Prudential Drive | Suite 1200, Office 1252 Jacksonville, FL 32207 904.371.6549 Office 904.469.0225 Cell 904.352.2360 Efax cowens@elementfunding.com Primary Residential Mortgage, Inc., DBA Element Funding, 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. Florida Office of Financial Regulation MLD646.

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NC HOUSING WEATHER FORECAST 100% FINANCING FORECAST SUNDAY

MONDAY

TUESDAY

$$ $

WEDNESDAY THURSDAY

$$ $

FRIDAY

NO COST DIVORCE LOAN

SATURDAY

$$ $

We known divorces can be costly and stressful, as the preferred lender in the community let Element Funding refinance existing settlement properties at no cost. In addition, we offer a purchase on our no cost product for the exiting spouse.

Let Element Funding Forecast your future in Home Financing by tapping into NC resources to make home financing affodable. Up to 5 percent down payment assistance. Tax credit up to $2,000 per year for as long as you own the home. $15,000 down payment assitance in 5 counties in NC.

Call today before the forecast changes.

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

www.mortgageflights.com | 704-458-2949

Brad Roche Element Funding | NC/SC Area Manager

Thomas Bush

PRMI | Chairman’s Club

Senior Loan Officer NMLS 108137

NMLS# 135191

Element Funding 702 B Brawley School Rd | Mooresville | NC | 28117 6100 Fairview Rd | Charlotte | NC | 28210

Jennifer Rakes Loan Partner NMLS# 938063

tbush@elementfunding.com Office 704-728-0191 Cell 704-458-2949

200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

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FISHING

FOR A NEW LENDER?

POST FORECLOSURE, BANKRUPTCY & SHORT SALE PURCHASE WAITING PERIOD MATRIX

WE ARE THE CATCH OF ALL LENDERS.

FORECLOSURE FANNIE MAE

7 years from completion date1

SHORT SALE DEED-IN-LIEU SHORT SALE: 4 years from completion date

CHAPTER 7 BANKRUPTCY

CHAPTER 13 BANKRUPTCY

4 years from discharge or dismissal date

2 years from the discharge date or 4 years from the dismissal date

4 years from discharge or dismissal date

2 years from the discharge date or 4 years from the dismissal date

DEED-IN-LIEU: 4 years from completion date FREDDIE MAC

7 years from completion date2

FHA

3 years from completion date3

3 years from completion date

2 years from discharge date

1 year of the payout must elapse and payment performance must be satisfactory; buyer must receive permission from the court to enter into a mortgage

2 years from completion date

2 years from discharge date

1 year of the payout must elapse and payment performance must be satisfactory; buyer must receive permission from the court to enter into a mortgage

USDA RURAL

3 years from completion date

3 years from discharge date

1 year of the payout must elapse and payment performance must be satisfactory; buyer must receive permission from the court to enter into a mortgage

SHORT SALE: 4 years from completion date2 DEED-IN-LIEU: 4 years from completion date2

www.elementfunding.com | 770.727.8442

JUMBO4

Based on specific investor guidelines

www.LauraLail.com | 980-240-1938 Julie Terrell Loan Officer NMLS# 272759 7000 Central Pkwy, NE Suite 1175 Altanta, GA 30328 Cell 770.727.8442 Office 770.604.6021 julieterrell@elementfunding.com

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Laura Lail Loan Officer NMLS# 570231 Direct: 980.240.1938 Office: 704-728-0191 llail@elementfunding.com 200 North Harbor Place Suite E Davidson, NC 28036

1 Unless included in Bankruptcy Chapter 7. 2Must be a purchase of a primary residence with a maximum LTV/TLTV/HTLTV ratio of the lesser of 90% or the maximum for the transaction or a no cash-out refinance, which must meet all guideline requirements. 3From when lender took back property or when FHA paid claim. 4JUMBO waiting prior varies by lender. For extenuating circumstances, Fannie Mae is 2 years from completion date for short sale or deed-in-lieu. For any mortgage with a LTV greater than 80%, mortgage insurance is typically required. Mortgage insurance guidelines may differ.

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BUYING VS. RENTING

COMPRAR VS. ALQUILAR

For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

Para muchas personas, las ventajas de comprar una vivienda sobrepasan las ventajas de alquilar una vivienda. Con las tasas de interés hipotecario en niveles históricamente bajos y los montos de alquiler en aumento, ahora es un buen momento para darse el lujo de financiar una hipoteca con un pago mensual fijo que sea menor que el pago def alquiler.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

Si planea quedarse en la vivienda durante más de seis años, la comp,a podria aherrarte miles de dólares en

The Benefits of BUYING

Las Ventajas de COMPRAR

VS.

The Benefits of RENTING

TAX SAVINGS Mortgage loan interest is deducted from your state and federal Income taxes and a portion of your property taxes may also be deducted.

FLEXIBILITY Renting may be the preferred option for those planning or needing to make a move in less than six years.

STABILITY Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

LITTLE OR NO MAINTENANCE Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

BUILD EQUITY Owning a home long term allows equity to build and thus your home investment to grow.

UTILITIES MAY BE COVERED Some utility expenses may be included in monthly rent payments.

comparación con el alquiler de una vivienda. No olvide a los bulliciosos vecinos de la planta alta.

VS.

AHORRO EN LOS IMPUESTOS El interés de los préstamos hipotecarios se puede deducir de los impuestos estatales y federales sobre los ingresos, y además, también se podría deducir una parte de los impuestos a la propiedad. ESTABILIDAD Los pagos fijols de la hipoteca (que incluyen el capital y el interés) no cambiarán durante el plazo del préstamo,mientras que los pagos de alquiler pueden aumentar cada año. ACUMULACLÓN OE VALOR RESIDUAL El hecho de ser propietario de una vivienda a largo plazo permite que se acumule valor residual, lo cual a su vez, aumenta la inversión en su vivienda.

Las Ventajas de ALQUILAR

FLEXIBILITY El alquiler de una vivienda podría ser la opción perferente para las personas que planeen o necesiten mudarse en menos de seis años. POCO O NINGÚN MANTENIMIENTO A menudo, los inquilinos pueden depender de los administradores de la propiedad para que costeen o hagan las reparaciones necesarias en la vivienda. PORDRÍAN CUBRIRSE LOS SERVICIOS PÚBLICOS Es posible que se incluyan algunos gastos por servicios públicos en los pagos mensuales del alquiler.

Contact me today to start realizing the benefits of homeownership.

Póngase en contacto conmigo hoy mismo para empezar a realizar los beneficios de ser dueño de su propia vivienda.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership

Tenga a bien consultar con un profesional de impuestos en cuanto a su situación especifica y a tas ventajas de ahora en los impuestos que proceden de comprar una vivienda.

www.ElementFunding.com | 404-884-9979

Nicholas Samkharadze

NMLS# 1569733 Office: 770-604-6021 Cell: 404-884-9979 Nsam@elementfunding.com 7000 Central Parkway, Suite 1175 Atlanta, GA 30328

Mortgage Planner

NMLS# 1569733 Office: 770-604-6021 Cell: 404-884-9979 Nsam@elementfunding.com 7000 Central Parkway, Suite 1175 Atlanta, GA 30328

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September 7, 2017 To Whom It May Concern:

“

In 2015, my husband and I decided to purchase our first home. We both work for Publix in the Charlotte Division, so we wanted to find a central location that would be convenient for both of us to get to work. With very limited knowledge in regards to financing a home, our realtor referred us to Tommy Bush, who worked for Element Funding. Our realtor had previously referred Tommy to some of her clients and had nothing but positive and professional experiences with him and we can definitely say the same! The first time we met with Tommy, we sat down and went over all of the loan options for which we were eligible. He gave us the pros and cons of each type of home loan and helped us decide which one would work best for us. He was very professional, patient, and honest. He followed up often and was always there to answer any questions we had. Since we were first time homebuyers, we had many! There were several times I called him when he wasn’t working; and he took my calls without hesitation. We felt comfortable and confident in purchasing our first home knowing we had a reliable source to turn to. To top it off, he attended our closing to ensure everything went smoothly.

MORTGAGE LENDER OF CHOICE FOR EMPLOYEES OF

In 2017, our family grew and it was time for us to purchase a larger home. We immediately contacted Tommy. Like our first home buying experience, Element Funding provided a detailed list of documents that were needed for underwriting, which made is easy to compile. They reviewed each document and informed us in a timely manner if more information was needed to ensure underwriting went as smoothly as possible. Communication was great throughout the process and our experience the second time around was just as great at the first.

$1000 CREDIT FOR CLOSING COSTS ON PURCHASE OR REFINANCE*

Tommy and the rest of the Element Funding staff far exceeded our expectations. I would highly recommend them to anyone looking to finance a home. I am looking forward to working with Tommy and Element Funding again in the future!

www.ElementFunding.com PUBLIX DEDICATED REPRESENTATIVES

”

Sincerely,

Brittany Crenshaw Craig Nichole Manor/Kate Christensen West Palm Beach, FL

Dan Cooke Christopher Owens Pembroke Pines, FL Jacksonville, FL

Steve Svirsky and Bart Leereveld Sarasota, FL

Amanda Christensen Lakeland, FL

Tommy Bush North Carolina

Brad Roche South Carolina

*Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure (CD) on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval, and closing with Element Funding. Loan must close within 30 days from the date of loan application. Total discount may not exceed $1000 in total. Credit request must be presented at time of application and all eligibility requirements met no later than 15 days prior to the New Loan closing date. Only one discount permitted per New Loan. Cannot be used in conjunction with any other current promotions. This discount is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before DEC 31st 2017. Primary Residential Mortgage, Inc., DBA Element Funding, 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. Nichole Manor NMLS# 339002, Kathleen Christensen NMLS# 1161082, Dan Cook NMLS# 330616, Christopher Owens NMLS# 392283, Steve Svirsky NMLS #342898, Bart Leereveld NMLS #1044120, Amanda Christian NMLS# 1500986, Tommy Bush NMLS# 108137, Brad Roche NMLS# 135191

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Home Mortgages

WE ARE READY TO SERVE

A Touch Above The Rest.

www.TheMortgagePlanner.net

As we work together, please let our team know if we can assist with any • PREQUALIFICATIONS • PROPERTY QUESTIONS • CLOSING DELAYS • FINAL INSPECTIONS And more... Our team of conceirge are on standby

| 704-728-0191

www.ElementFunding.com Brandon Colberg

Brock Mumford

Michael Frazier

Laura Lail

Angela Roche

Brad Roche

Glen Chavis

Jennifer Rakes

Leigh Kugler

Tommy Bush

Lydia Pyatt

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LIMITED 203(K) PROGRAM

STANDARD 203(K) PROGRAM The extent of the rehabilitation covered by Section 203(k) insurance may range from relatively minor (though exceeding $5,000 in cost) to virtual reconstruction: a home that has been demolished or will be razed as part of rehabilitation is eligible, for example, provided that the existing foundation system remains in place.

HUD has developed a new FHA insured mortgage program called the 203k Limited Repair Program that permits homebuyers to finance up to an additional $35,000 for TOTAL repair cost into their mortgage, to purchase and improve or upgrade the home before move-in, or to refinance an existing mortgage and add up to $35,000 for repairs or improvements. With this new product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser.

The types of improvements that borrowers may make using Section 203(k) financing include: • Structural alterations and reconstruction • Modernization and improvements to the home’s function • Elimination of health and safety hazards • Repairs to pools that are in need of health and safety hazards • Changes that improve appearance and eliminate obsolescence

• Reconditioning or replacing plumbing; installing a well and/or septic system • Adding or replacing roofing, gutters, and downspouts • Adding or replacing floors and/or floor treatments • Major landscape work and site improvements • Enhancing accessibility for a disabled person • Making energy conservation improvements • Conversion of a property of any size to a one-to-four unit structure

The following repairs can be financed with this program: • Purchase and installation of appliances, including free-standing ranges, refrigerators, washers/dryers, dishwashers and microwaves • Lead based paint stabilization or abatement of lead based paint hazards • Repair, replacement or the addition of exterior decks, patios and porches • Basement remodeling which does not involve structural repairs • Basement waterproofing • Window and door replacement and exterior siding replacement • Well or septic system repair or replacement

condition that is it inhabitable again. (restrictions to apply).

• Repair/Replacement of roofs, gutters and downspouts • Repair/Replacement/upgrade of existing HVAC systems • Repair/Replacement/upgrade of plumbing and electrical systems • Repair/Replacement of existing flooring • Minor remodeling, such as kitchens, which does not involve structural repairs • Exterior and interior painting • Weatherization: including storm windows and doors, insulation, weather stripping, etc • Improvements for accessibility for persons with disabilities

This program can also be used with the purchase of a HUD home, and in coordination with the Good Neighbor Next Door program.

www.mortgagetiming.com | 704-728-0191

Another added benefit of the Standard 203(k) loan, is in the event that the home will be uninhabitable during renovation, you can finance up to 6 mortgage payments into the loan, while waiting for the home to be in a

Michael Frazier

Senior Loan Officer NMLS# 22526

Element Funding 200 North Harbor Place, Suite E Davidson, NC 28036 Cell 315.409.9269 Fax 910.672.7935 mfrazier@elementfunding.com

DISCLAIMER: All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

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FANNIE MAE HOMESTYLE RENOVATION LOAN The Fannie Mae Homestyle Renovation loan is our standard renovation program for the conventional borrower (up to 95% Loan To Value). With this program you can perform all of the same renovations as with the FHA 203(k) loan, but without all of the limitations FHA guidelines has. This product does allow for luxury items that FHA does not, as in a swimming pool, a detached garage, or a gazebo.

GIVE YOUR BUYERS THE CONFIDENCE TO GET OFF THE FENCE Are your buyers still on the fence about purchasing a home? Set their minds at ease! All eligible Element-insured 97% LTV loans include the option to register for job loss protection at no cost to your client.

The Homestyle renovation loan contains one application, one closing and one set of fees. In the end all of the costs will be financed (up to 95% on a principle residence, 90% on a secondary home, or 85% on a ONE unit investment property). That being said, if you wish to only finance 80%, you will have the option to avoid mortgage insurance.

MortgageAssure is a Element Funding program that helps your buyer pay their mortgage in the event that they unexpectedly lose their job. Plus, it can help you convert more leads into sales and add value for your clients at no cost. lt’s a win-win!

Depending on the size of the project, changing a floor plan, or adding square footage, a consultant could be required.

MortgageAssure Includes: • Up to six monthly mortgage payments, not required to be consecutive • A monthly benefit of up to $1,500 (PITI) • Total protection of up lo $9,000 during coverage period • Two years of coverage beginning on loan closing date

The types of improvements that borrowers may make using Fannie Mae Homestyle financing include: • Structural alterations and reconstruction • Modernization and improvements to the home’s function • Elimination of health and safety hazards • Repairs to pools that are in need of health and safety hazards • Installing a new pool • Adding a detached garage • Changes that improve appearance and eliminate obsolescence

Another added benefit of the Fannie Mae Homestyle loan, like the FHA Standard 203(k) is in the event that the home will be uninhabitable during renovation, you can finance up to 6 mortgage payments into the loan, while waiting for the home to be in a condition that is it inhabitable again. (restrictions to apply).

Program Benefits: • Provides peace of mind and minimizes financial stress • Helps home buyers preserve their savings, retirement and college funds • No cost to the homebuyer! With MortgageAssure, your buyers can enter the market with confidence. Help them get off the fence and make the dream of homeownership a realty now!

Contact your lending partner for further details!

www.mortgagetiming.com | 704-728-0191 Michael Frazier Senior Loan Officer NMLS# 22526 Element Funding 200 North Harbor Place, Suite E Davidson, NC 28036 Cell 315.409.9269 Fax 910.672.7935 mfrazier@elementfunding.com DISCLAIMER: All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833.

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www.mortgageflights.com | 704-458-2949 Thomas Bush Senior Loan Officer NMLS 108137 Element Funding 702 B Brawley School Rd | Mooresville | NC | 28117 6100 Fairview Rd | Charlotte | NC | 28210 tbush@elementfunding.com Office 704-728-0191 Cell 704-458-2949 Qualifications and program restrictions apply. Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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Your home is a

Listing soon?

MATCH!

Rob McCrorey

Broker Associate Phone: 980.721.5647 Rob@LKNHouseHunter.com www.LKNHouseHunter.com

Lets talk about SOLD!

6 MONTH PLAN

Rob McCrorey

Broker Associate Phone: 980.721.5647 Rob@LKNHouseHunter.com www.LKNHouseHunter.com

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FALL

in love with our service

FALL

The Mortgage Planner

in love with our service The Mortgage Planner

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

Brad Roche

200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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FALL

in love with our service

A HIGH POWERED MORTGAGE COMPANY

with aown feel homet

in love with our service

A HIGH POWERED MORTGAGE COMPANY

www.EllisMortgageTeam.com | 678-259-0205

with aown feel homet

www.LauraLail.com |

980-240-1938

DeAnn Ellis Loan Officer NMLS# 148916 1108 Clark St. SW Covington, GA 30014 Cell 770.616.8042 Office 678-259-0205 deannellis@elementfunding.com

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Laura Lail

Loan Officer NMLS# 570231 Direct: 980.240.1938 Office: 704-728-0191 llail@elementfunding.com 200 North Harbor Place Suite E Davidson, NC 28036 Primary Residential Mortgage, Inc., DBA Element Funding, 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. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.

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A Time Honored Tradition of Lending The Mortgage Planner

A Time Honored Tradition of Lending

www.BennettTeamMortgage.com

770-604-6023

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

Frank Bennett

Sales Manager | Loan Originator Licensed FL and GA NMLS: 1640 Cell FL: 850-533-6122 fbennett@elementfunding.com

Brad Roche

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

Element Funding Corporate Office 495 Grand Blvd Suite 206 Miramar Beach, FL 32550

200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

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COMPLIMENTARY BEVERAGES

HOT COFFEE Generations of Lending Excellence

9 CREAMER SELECTIONS: Vanilla Chocolate Chip Cookie Italian Sweet Vanilla Carmel Salted Carmel Irish Cream Hazelnut

BOTTLED WATER TEA Honey Green Tea Peach Tea Half Tea & Half Lemonade

ElementFunding.com |

954.332.0076

Lane Baron

Element Funding | Loan Originator NMLS# 332466 1007 Shotgun Road | Sunrise, FL 33326 954.332.0076 Office 954.868.1826 Cell 954.374.7309 Fax lbaron@elementfunding.com www.elementfunding.com/lbaron

SODA Cola • Ginger Root Beer Ginger Ale • Cream Soda Grape • Black Cherry Lemon Lime Twist • Orange Mountain Zevia • Dr. Zevia Caffeine Free Cola • Grapefruit Citrus

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Veteran Mortgages Experience Our Home Town Feel...

Veteran Mortgages Experience Our Home Town Feel... www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191

Brad Roche

200 North Harbor Place Suite E Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191

Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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Element Funding | NC/SC Area Manager PRMI | Chairman’s Club NMLS# 135191

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FIRST TIME HOME BUYERS & VA

Seminar

Mortgage Planner Lead Nurture Plan

SATURDAY NOV. 11TH from 11:00 AM – 1:00 PM

Location: South Park Towers (1st Floor Conference Room)

HOT

Approval Issue

30-60 DAYS OUT

3-6 MONTHS OUT

CREDIT CHALLENGE

6100 Fairview Road | Charlotte NC 28210

DRIP CAMPAIGN

Mobile App Weekly Calls & Emails

Bi-Weekly Check-In Calls

RSVP by Thursday Nov. 9th • Limited Seating Available. Laura Lail Loan Officer NMLS# 570231 Direct: 980.240.1938 Office: 704-728-0191 llail@elementfunding.com 200 North Harbor Place Suite E Davidson, NC 28036

Ivory Brown

Broker/Realtor ® Sabrina Brown Realty & Advisory Services An Affiliate of Wilkinson & Associates Mobile: 301-785-8627 Fax: 980- 225-0544 ivory.brown59@gmail.com

3 Week Check-In Calls

Monthly Check-In Calls

APPLICATION PROCESS

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