both of these suspensions are subject to being extended

CORE SERVICES NEWS FNPM * PROSPERITY HOME MORTGAGE, LLC * GTS * REFERRAL

Do all of the events of the world have you feeling like life is more chaotic than ever? Would you love to find a way to simplify and make at least one thing easier? Look no further than the Prosperity Home Mortgage (PHM) XLR8 program! The XLR8 program allows PHM to electronically validate a clients income and assets without having the client send in any additional documentation. This not only saves the client an immense amount of time and stress by not having to go around to collect and send in documentation, it saves time! In most instances, a client can receive a full Loan Commitment within 24 hours of application to really shop with confidence. This will make the buying process simpler for all involved by giving them the competitive advantage for any potential bids in a hot market! And, since most of the heavy lifting on the loan is already done, it makes the loan process smooth and easy for all involved and gets loans to closing faster and with happier clients. Don’t miss out on an opportunity to have your clients pair with PHM and leverage the XLR8 process today!

Important reminders about BHHSFNR’s “MILITARY ADVANTAGE HOUSING PROGRAM” or any affinity

cashback program to a client.

MILITARY ADVANTAGE HOUSING PROGRAM

STEP 1: Contact Relocation (672-4351) for compliance Berkshire Hathaway HomeServices Florida Network Realty and Prosperity Home Mortgage, LLC appreciate your military service and offer you the following housing incentives. There is no requirement to combine these offerings; either or both can be used. requirements and to register customer for benefits.

STEP 2: If buyer-customer is using a VA Loan, submit fully Berkshire Hathaway HomeServices Florida Network Realty offers you a cash reward when you sell or purchase a home through our Military Advantage Housing Program. Just contact our Military Advantage Housing Program department at A FOUNDATION OF SERVICE At its core, our company has been shaped by a dedication to extraordinary service. That is why on Veterans Day 2014, Prosperity Home Mortgage, LLC began extending incentive offers—in addition to the beneficial features of a VA home loan—to help lower the cost of purchasing a home for veterans in need of housing within 904-672-4351 or at Military@FloridaNetworkRealty.com to register executed Military Advantage Addendum and PASA to the lender for this benefit, before speaking with a REALTOR®, and enjoy the following cash back amounts*. *Your lender of choice must approve the cash back contribution. the communities we serve. Since the VA Home Loan Advantage program began, it has been a tremendous success thanks to the many outstanding clients who have chosen to work with us to obtain home financing. and title company. If buyer-customer is not using a VA Loan, then A DEDICATION TO SERVICE Prosperity Home Mortgage, LLC continues to place our men and women in uniform at the forefront of our new ideas and promotions. Since the program’s inception, our exclusive VA loan program has accomplished the following: Your rewards will add up quickly when you buy or sell through our MILITARY ADVANTAGE HOUSING PROGRAM. PURCHASE OR SALE PRICE CASH BACK Disclosure (provided by Relocation) must be signed by all parties • Over $2.6 million in appraisal savings • Over $6.2 million in origination savings • Total borrower savings of over $8 million • Over 5,970 military families served $0 to $99,999 $100,000 to $199,999 $200,000 to $299,999 $300,000 to $399,999 $350 $500 $1,000 $1,250

OUR COMMITMENT TO SERVICE $400,000 to $499,999 $1,500 including buyer’s lender OR put language in the PASA that “A credit We want your help spreading the word that our VA home loan incentives continue to be available. Our goal is to give back even more in savings to service members and veterans. Here is an overview of the exclusive incentives we offer: • No loan origination fee (up to $1,200 value) through Prosperity $500,000 to $599,999 $600,000 to $699,999 $2,000 $3,000 Please contact us for cash back amounts at $700,000 and above. Home Mortgage, LLC is being provided to the buyer in the amount of $X paid from • Complimentary appraisal 1 (up to $525 value)

BHHSFNR’s purchase side commission.” If seller-customer, then Prosperity Home Mortgage, LLC is not affiliated with any government agencies. Please contact our Military Advantage Housing Program department today at 904-672-4351 or at Military@FloridaNetworkRealty.com to register for these benefits.

1. Borrowers are eligible for a lender credit toward closing costs on the Closing Disclosure on a new purchase, secured by a first mortgage or deed of trust (New Loan), subject to qualification, approval and closing with Prosperity Home Mortgage, LLC. Loan must close within 90 days from the date of loan application. Lender credit may not exceed $525.00 for appraisal. This offer must be presented at time of application and all eligibility requirements met no later than 2 days prior to the New Loan closing date. This lender credit is void where prohibited and is non-transferable, subject to the terms herein, and valid on all complete applications received on or before 12/31/20. Disclosure (provided by Relocation) must be signed by Seller and All Incentive offers valid on complete VA home loan applications received between 01/01/20 and 12/31/20. Loan must close within 90 days from the date of loan application. Only one discount permitted per New Loan. All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance. Licensed by the Delaware State Bank Commissioner. Also licensed in AL, AR, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY. NMLS#75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) ©2020 Prosperity Home Mortgage, LLC. All Rights Reserved. (01/20) © 2020 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation

Buyer. STEP 3: Email either fully executed PASA and Addendum, OR Disclosure to Relocation no later than one week prior to closing. STEP 4: Agent should ensure that correct cash-back amount is properly shown on the Closing Disclosure. Please contact Relocation at any time with any questions.

Common Types of Deeds

WARRANTY DEED

Is the strongest deed and warrants to the Grantee.

QUIT CLAIM DEED

Does not contain "grant and convey" language.

SPECIAL WARRANTY DEED

Limits the warranty: "by, through or under" the Grantor but not otherwise.

CORONAVIRUS EVICTION SUSPENSIONS OUTLINE

Florida Network PROPERTY MANAGEMENT