Mortgage Sales Flyer by Lili Macklin

e m o h Yes, you can own your own More lending options offer greater buying power If you’ve ever thought of buying a home, now is the ideal time. With interest rates still low – but on the rise – and an ample market of homes for sale, you should strongly consider the advantages of homeownership. As a mortgage professional with Residential Finance, I can offer you guidance about the home loans that best suit your goals. We can review the benefits of each lending program in relation to your lifestyle and finances. In most cases, you won’t need a perfect credit score or a 3.5% down payment to secure your mortgage with us.

Some of the loan products we offer include: • FHA (Federal Housing Administration) • VA (U.S. Department of Veterans Affairs) • USDA (U.S. Department of Agriculture)

• Section 203(k) (FHA) • Conventional • Jumbo

• Foreign National • And more...

Let’s make it happen! When you’re ready to start looking for your new home, give me a call first to obtain a quick loan pre-approval. With this in hand, you’ll know what you can afford and you’ll be equipped to make an immediate offer — because there’s nothing quite like getting a jump on the competition.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #ML-1652; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_PurchaseLendingOptions

Rev: 9/25/13 ©

The top 5 mistakes of first-time homebuyers In the excitement of purchasing your first home, it’s a good idea to take into

Beware of the common pitfalls!

consideration the mistakes often made by others in your shoes. Learn from their lack of planning, submitting to outside pressure, or giving into the urge to splurge. Mistake 1: Failure to get a loan pre-approval

Mistake 2: Failure to use a real estate agent

Before you can buy a home, you need to know if you can afford it. Many first-time homebuyers run into a wall of disappointment because they fall in love with a home that is beyond their budget. So, the very first step new homebuyers should take is getting a loan pre-approval letter from their lender. We can provide you with a fast pre-approval so you know exactly how much money you can spend on a first home.

It’s fun to go house hunting, but without a good real estate agent by your side, you’re asking for trouble. A seasoned agent knows the intricate ins-and-outs of the homes you are looking to buy, as well as other important considerations, such as the neighborhood, commute times, the quality of the schools, nearby shopping and more.

Mistake 3: Settling for a home that’s not right for you To find a home that fits, make a list of what‘s important to you before you start house hunting. Your list should include:

• Home style. Does the house feel inviting; a place where you can truly feel comfortable and relaxed? • Square footage. Will the floor plan work with your life needs? Will you have enough room for guests? Is the laundry room and kitchen convenient?

Mistake 4: Being afraid to back out Until you sign a contract, you’re under no obligation to buy a particular home. If you have a twinge of doubt, that’s only natural because making a large purchase can cause anxiety. But, if you have a serious feeling the home is wrong for you, walk away. If you’ve already put down a deposit, and your home inspection reveals concerns, check your contract. Many sales contracts contain a “property defect” clause, which would entitle you to a full refund of your deposit.

• Additional features. Do you need a pool when it’s cold much of the year? Is the media room a deal maker—or deal breaker? Is a finished basement important?

Mistake 5: Messing with your credit before your closing date Getting pre-approved for a loan is a great thing, but many first-time homebuyers forget that their loan pre-approval is not etched in stone. Lenders pull a borrower’s credit report before the home closing to make sure their financial situation has not changed since the loan pre-approval. Therefore, it’s very important that you: •

Don’t max-out your credit cards

•

Don’t buy a new car,

•

Don’t change jobs, if possible

There will be plenty of time to furnish your new place, buy a new car and celebrate with a splashy party to show off your new home. Just wait until the closing is final and the keys to your new home are in your hand.

Once you’ve jotted down the features you’d like, rank the items by importance and give the list to your real estate agent.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/23/13 ©

Five reasons why you need a loan pre-approval The advantages of a mortgage pre-approval are significant Shopping for a home before you have an income-based loan pre-approval from a lender is like going shopping without your wallet. Let me work with you to gather the necessary income and assets documents to help you shop smart.

Know what you can afford. You can make more well-informed plans and decisions when you start out with an established home-purchase budget.

Shop with confidence. When you’re empowered with your pre-approval details in hand, you can hunt for a house like a cash buyer.

Narrow your search. A pre-approval will guide your real estate agent to only show you homes that fit your finances, so you’ll make the best use of your time.

Make an immediate offer. With today’s competitive housing market, the pre-approval enables you to make an instant offer and get a jump on the competition.

Save time, close the deal. Once you’ve made an offer, your pre-approval can save time with the application. After all, the sooner you close the loan, the sooner you can move into your new home.

Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

jane.branch.myrfc.com

Cel. 123.123.1235

1727 Veterans Memorial Hwy, Suite 310 Cottonwood Heights, UT 12345

Fax. 123.123.2222

Consumer_Flyer_5ReasonsNeedPre-Approval

Rev: 9/13/13 ©

e f i l r u Let your home improve yo Take out a second mortgage with a HELOC loan Free yourself from private mortgage insurance

We can do it if you meet the following criteria:

Sometimes private mortgage insurance (PMI) can make it hard to save money or pay for big life expenses. But what if you can avoid paying PMI and take out a second mortgage at the same time? Our home equity line of credit loan (HELOC) can make this possible.

• Must refinance or take out a first mortgage through Residential Finance • Must be current on your payments • Credit score of 700 or higher • 90% Max CLTV (combined loan-to-value ratio) in your home

Turn your timely payments into a purchasing tool By taking out a second mortgage through Residential Finance, you can cancel your PMI and save on your monthly payments. You can draw on your HELOC loan during the first ten years of ownership to spend however you wish —buy a new car, finish your basement or pay off a college loan.

Let me help make a HELOC work for you As a Residential Finance loan officer, I have the expertise you can count on to help you make a sound decision. And with the support of an amazing team of top industry professionals at Residential Finance, together we work hard to make sure you’re delighted with the service we provide.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/24/13 ©

Purchase, refinance and renovate with one easy loan

An FHA 203(k) mortgage makes it possible

Whether you want to buy and renovate a fixer-upper, or simply refinance your existing home and make needed improvements, an FHA 203(k) home loan can make it possible. With two 203(k) options to choose from, you get a low-rate mortgage and money to

Two FHA 203(k) loans to match your needs

An alternate approach

•

FHA 203(k)—Allows homebuyers to purchase a home and finance significant renovations, such as a room addition.

Instead of using credit cards, store

•

FHA Streamlined K— Helps homeowners refinance their existing property at a lower interest rate, and finance more moderate repairs and upgrades.

home renovation project, consider an

financing or personal loans to fund your FHA 203(k) refinance. You could save hundreds—even thousands—of dollars over the life of your loan.

Benefits include: •

Down payment as low as 3.5%

•

Family members can help with down payment and/or closing costs

•

No HUD consultation required for Streamlined K

Use your 203(k) loan to: •

Remodel a kitchen or bathroom

•

Refinish a basement

•

Purchase new appliances and fixtures

•

Replace windows

•

Install new carpeting or flooring

•

And more!

Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

1727 Veterans Memorial Hwy, Suite 310 Cottonwood Heights, UT 12345

Fax. 123.123.2222

Consumer_Flyer_203(k) Two Options

Rev: 9/24/13 ©

Shopping for an affordable home renovation loan?

An FHA Streamlined K could be the answer

The 7 steps to securing a renovation loan Whether you’ve signed a contract to purchase a house, or want to fix up your existing residence, an FHA Streamlined K renovation loan from Residential Finance can help you turn a good house into your perfect home.

Choose your contractor(s)

Credit review

Research reputable residential contractors and confirm that they are licensed and insured. Get written estimates from your chosen contractor(s) and check with your local municipality to determine what permits are required. In some instances, a plan review by a HUD-approved consultant may be required.

The loan underwriter will review everything in the loan application file, including your credit, documents, disclosures, the plans for your renovation, and proposed contractor(s). Next, the underwriter’s decision is sent with the file back for review by your processor, who will contact you if you have been approved.

Quality assurance The loan application Your Residential Finance loan officer will discuss your financing options with you and let you know what documents are needed to apply. Don’t worry about the paperwork – your loan officer will help you fill out the application.

Loan processing Your loan processor will prepare your file for underwriting, and will contact you with the expected turnaround time as soon as your file goes to credit review.

NMLS #: 123456

The attorney/settlement agent will review your loan file and schedule a closing date with you. They will also review the funds needed to close, and any additional items required to complete the transaction. On your closing date, you will sign your paperwork to secure the loan.

Begin your renovation

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

1727 Veterans Memorial Hwy, Suite 310 Cottonwood Heights, UT 12345

Fax. 123.123.2222 RESIDENTIAL FINANCE IS NOT AFFILIATED WITH OR AN AGENCY OF THE GOVERNMENT.

The loan closing

You will be contacted by your draw administrator within five days of closing. The project must start according to the approved plan within 30 days of closing and be completed within six months.

Contact me today! Jane Branch Senior Loan Officer

Upon approval, your loan processor will contact you to go over the commitment letter and the final conditions required for closing. All conditions must be provided and cleared seven days prior to scheduling the loan closing. Your loan officer and processor will help you navigate this step.

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_7StepstosecuringanFHA203(k)

Rev: 9/13/13 ©

It’s easier to get a home renovation loan than you think

A Streamlined K refinance loan can do the trick Avoid pricey interest rates In the past, you may have been tempted to rely on credit cards, store financing or personal loans to fund your home renovation project. But with a Streamlined K home loan, you can avoid costly interest payments and save possibly thousands of dollars over the life of your loan, compared to the hefty interest payments of other options.

Lower your payments and get money for household repairs With an FHA Streamlined K loan—part of the FHA 203(k) program—you can refinance your current home and get the money you need for repairs and upgrades – up to $35,000! • • • •

Install new carpeting or flooring Refinish your basement Renovate your kitchen, bathroom or both Much, much more!

It’s easier and faster than most home loans because your refinance money includes your renovation funds. And there’s only one closing fee!

See if you qualify •

Do you currently have an FHA mortgage?

•

Do you want a lower interest rate?

•

Do you want a lower monthly payment?

•

Do you have a credit score of 620 or above?

If you answered “yes” to these four questions, then you may qualify for a Streamlined K homerenovation loan.

Contact me right away to learn more! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_203(k)-Renovate

Rev: 9/13/13 ©

Loan Status Checklist Attention to:

203K

Attention to:

Property Address: Buyer(s): Seller(s): Date  ____ - __/__ Purchase agreement received (Home inspection set for ______________)  ____ - __/__ Received go ahead to proceed after home inspection  ____ - __/__ Received contractor bid(s) from buyer(s)  ____ - __/__ Received HUD consultant’s work write-up  ____ - __/__Appraisal ordered

Date  ____ - __/__ Loan approved  ____ - __/__ Title work ordered  ____ - __/__ Title work received  ____ - __/__ Appraisal cleared byunderwriting  ____ - __/__ Homeowner’s insurance requested  ____ - __/__ Homeowner’s insurance received  ____ - __/__ Received all buyer documents needed for final approval

 ____ - __/__ Appraisal received  ____ - __/__ Received all buyer documents needed for initial submission  ____ - __/__ Submitted for approval (Estimated turn time = ______days)

 ____ - __/__ Submitted for final approval (Estimated turn time = ______days)  ____ - __/__ Received clear to close  Scheduled closing - date, time and location _____________________

Status provided by: Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_203k Status Checklist

Rev: 9/24/13 ©

About Residential Finance Lending with precision and care Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way. As a nationwide mortgage lender, Residential Finance specializes in helping borrowers from all walks of life and all across the country find the ideal home loans to fit their goals. The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is seller-servicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

Changing lives one loan at a time So many lending options! At Residential Finance, you’re bound to find a loan that fits your needs—with a great rate and terrific terms. • • • • • •

FHA Fixed rate Adjustable rate Conventional Veterans Jumbo

• • • • • •

USDA 203(k) Investor Foreign National Cash-out refinance Plus more!

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_About Residential Finance

September 19, 2013 11:50 AM

Repeated awards reflect our passion for excellence While receiving accolades from local-and-national business organizations helps reaffirm our commitment to excellence, Residential Finance’s greatest reward is precisely matching the right home loan with the needs of each customer. Here are some of our most recent awards.

Inc. 5000—4X winner

Fast 50—10X Winner

Corporate Caring Award—2X finalist

Inc. Magazine

Columbus Business First

Four times we’ve won the Inc. 5000! This prestigious listing expands upon the Inc. 500 by ranking the country’s top 5,000 fastestgrowing, privately held companies.

We’re especially pleased to be a ten-time winner of Columbus Business First’s Fast 50, an award recognizing the fastest-growing, privately held companies in Central Ohio.

Hire Power Award

Best Place to Work—6X Winner

Twice we’ve been named a finalist for Columbus Business First’s Corporate Caring Award. This special business citation recognizes companies that have dedicated a significant amount of their resources to a variety of not-for-profit organizations.

Inc. Magazine

Columbus Business First; Tampa Bay Business Journal; Florida Trend Magazine

We were featured in the inaugural ranking of Inc. Magazine’s Hire Power Awards, a list of 100 U.S. businesses that have generated the most jobs in the past three years. Our steady growth put us at number five in the state of Ohio.

Excellence in Practice Award American Society of Training & Development

Residential Finance was recognized for “advancing the knowledge and practice of workplace learning and performance” through training programs designed to keep our loan officers up to date on loan products.

We’ve been honored with six different Best Places to Work awards. Presented to us by business publications in Ohio and Florida, the awards recognize our positive work culture and how highly we value our employees.

Sales Department of the Year American Business Awards

We took home the Stevie® Award — one of the business industry’s top honors — for achieving double-digit sales growth per loan officer, and by offering great customer service and loan products to our clients.

Top 100 Mortgage Companies in America Mortgage Executive magazine

We are excited to have ranked 55th in Mortgage Executive Magazine’s “Top 100 Mortgage Companies in America 2012” listing. It was established to recognize the “service, dedication and hard work that mortgage originators, managers and executives put into building their companies and serving their clients.”

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_Awards

September 13, 2013 2:03 PM

Get cash from your home with an FHA Cash-Out Refinance loan Your life’s investment can pay off now This is a great time to refinance As you know, interest rates are still low, but on the rise. But what if you acquired your home mortgage when rates were considerably higher? If you’ve built up home equity and are still making mortgage or interest payments, you may qualify for an FHA Cash-Out Refinance loan.

It’s easier than you think This is how it works: When you refinance your home, you can substantially reduce your monthly payments and tap into the cash from your home’s market value— with no restrictions on how you spend your money. You could pay off tuition, take a vacation, buy a new car, or wisely consolidate your debts. We can do it if you meet the following criteria: •

Current on your mortgage payments

•

Credit score of 620 or higher

•

85 % Max LTV (loan-to-value ratio) in your home

Strike while the rates are low Interest rates won’t stay this low forever, so let’s get started right away. As a loan officer at Residential Finance, I am backed by an amazing team of top industry professionals who take pride in providing personalized service and fast turnarounds. Together, we can secure your FHA Cash-Out Refinance loan in an efficient and timely manner.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_FHACash-OutRefinance

Rev: 9/13/13 ©

FHA Streamline refinance: Faster, cheaper, smarter Credit scores as low as 620 can qualify Why choose FHA Streamline refinancing? If you currently have an FHA home loan and want to refinance, an FHA Streamlined refinance loan may be right for you. With interest rates still low – but on the rise – an FHA Streamline refinance will let you take advantage of today’s lower rates quickly and, in most cases, without an appraisal. Known as “streamlined” because it offers a quicker application process than conventional refinance loans, FHA Streamline refinancing can save you time and money. Other benefits include: • • • • •

Credit score as low as 620 accepted No income verification, employee verification or underwriting fee No home appraisal* Little or no out-of-pocket costs Minimal paperwork

*Some restrictions may apply

Save money by refinancing your home There are many reasons to refinance your home. For example, you could reduce your monthly house or interest payments with a low fixed-rate loan that won’t adjust when the market does. Use the extra monthly savings to pay for college tuition, make home repairs or take a vacation. (Presently, there is no option to receive “cash back” from your home equity.)

Pay no out-of-pocket costs? It’s possible. Residential Finance may cover the costs in exchange for a slightly higher interest rate, or the costs may be included in the new loan if your property has enough equity. Give me a call to find out if you qualify to refinance with no out-of-pocket costs.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_FHASteamlineRefinance

Rev: 9/13/13 ©

Looking to buy your first home?

Trust a home-loan expert

Now that you’ve decided to purchase your first home, it helps to have an experienced loan officer in your corner. I have the background, knowledge and dedication to find the home loan you need to buy the home of your dreams.

Let me simplify the loan process As a senior loan officer with Residential Finance, I can make finding the right loan as simple and easy as possible. I am backed by a team of dedicated financial specialists – they’re among the best in the business. Together, we can secure a loan for you that meets your financial needs. Let’s get you pre-approved Before you start house hunting, I will secure a loan pre-approval letter for you. This lets you know how much money you have to spend and keeps you from looking at houses out of your price range. Once you find your dream home, you can make an immediate offer. I’ll provide you with plenty of options I can offer you a variety of loan products and options, and together we’ll find what works best for you. Residential Finance can secure you a great loan rate – one that saves you the most money. Some of the loans we offer include: • FHA • Fixed rate • Adjustable rate

• Veterans • Conventional • State Bond

• USDA • 203(k)

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_First Time Homebuyer

Rev: 9/13/13 ©

Home loan program for non-U.S. citizens

Exclusively designed for foreign nationals

Buying a home in the U.S. just got easier Are you a non-U.S. citizen hoping to buy a home in the United States? Are you eager to secure an affordable mortgage, but concerned about meeting all the legal requirements? Put your worries away. Residential Finance offers the Foreign National Program, a homebuying option designed to make it faster and easier for you to acquire a mortgage in the U.S. With terms that compare favorably to those available to domestic buyers, we offer distinctive, non-agency mortgage programs (such as Fannie Mae, Freddie Mac and Ginnie Mae) shaped to meet the special needs and requirements of foreign national buyers.

So many advantages of the Foreign National Program! •

Borrow up to $600,000 per property

•

Competitive interest rates

•

New home and refinance loans*

•

No pre-payment penalties

•

Up to 65% loan-to-value (LTV) financing

•

Manually-underwritten loans

•

Fixed-rate terms (10, 15, 20, 25 and 30)

•

Self-employed status allowed

•

Adjustable rates (5/1, 7/1, 10/1)

•

Single-family, condos, townhouses, second homes

Let me help you buy your U.S. home As your loan officer, I can fully explain how the Foreign National Program works, then help you secure the best lending option available to you. Backed by the expert support services team at Residential Finance, I can streamline the process of buying a home in the U.S.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/13/13 ©

Mortgage solutions Bringing home just for you the loan you need We can help you take advantage of today’s low rates and great housing prices!

Buy a home It’s a great time for homebuyers, no matter if you’re purchasing your first home or you’re moving up to a larger house. To start, it’s a good idea to get pre-approved for a loan. I can process this quickly to help you save time by looking only at homes that fit your budget. Refinance your mortgage There are many ways and reasons to refinance your mortgage. You could lower your house or interest payments. You could get a low fixed rate that won’t adjust when the market does. You could tap into your property’s equity or replace your current loan with one that has better terms. Let’s find what works best for you!

Your home is more than an investment. It’s the core of your day-to-day life.

Invest in real estate Our investment property mortgages offer many beneficial features. For example: A high borrowing cap, an expanded debt-to-income ratio, and expanded income sources and competitive rates, to name just a few. I can work with you to arrange the most affordable and accessible investment property financing. Get the attention you deserve We’re experts at finding the best lending option for every situation. Whether you’re buying, refinancing or investing, count on me and a whole team of Residential Finance professionals to source the home loan that saves you the most money and offers the best terms.

Our customers are talking “The benefit that Residential Finance was able to provide to our family when we needed it was exceptional.” —Cassidy M., Greeley, CO

“Residential Finance is truly an American company that cares about their product, employees, and customers.” —Matt H., Payson, AZ

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/13/13 ©

A government loan can secure your new home

Scores as low as 580 can qualify

Why choose a government loan? If you’ve put off buying a new home – or making repairs to your current home – because you think you can’t get a loan, think again. As a loan officer with Residential Finance, I offer government loan options that can help you buy or renovate a home at today’s low interest rates. In many cases, you could qualify for a government loan with a credit score as low as 580 and no costly down payment.

Let’s find the one that works for you Let me help you secure your home loan using one of these government agencies or products: •

Veterans Administration (VA) – For buying, building or home renovation. No down payment required for home buyers.

•

Federal Housing Administration (FHA) – Provides mortgage loans with down payments as low as 3.5%.

•

United States Department of Agriculture (USDA) – For a home purchase or refinancing in a USDA-designated rural area. No down payment required.

•

FHA 203(k) – To finance or refinance a house and the cost of its rehabilitation.

Use my expertise! Put me to work for you. I’m happy to answer any questions you may have about how a government home loan could be right for you.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/13/13 ©

makes it possible

Buy a foreclosure property for only 3% down

Find houses, condos and duplexes nationwide Wouldn’t it be great to secure an affordable real-estate property with a 3% down payment? Now you can with HomePath—an exclusive loan program from Fannie Mae that lets you purchase a foreclosed residence or investment property. When you see the HomePath logo, you know the property is eligible for one or more of Fannie Mae’s special loan products, including the FirstLook™ Program designed especially for first-time buyers. HomePath residences are located nationwide, and include single homes, condominiums and duplexes, as well as larger investment properties.

The many advantages of HomePath financing Available only on Fannie Mae properties, HomePath financing features: • • •

Down payments as low as 3% on primary residences; 10% on investment properties Flexible mortgage terms Borrowing up to 97% of the home’s value

• • • •

Contributions up to 6% toward closing costs by sellers Less-than-perfect credit acceptance No mortgage insurance requirement No appraisal fee

Let me handle the details When you let me secure your HomePath loan through Residential Finance, you’ll receive personalized attention backed by Residential Finance’s team of mortgage specialists. You’ll also receive down-payment options, low interest rates, and a variety of loan products to fit your needs.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/16/13 ©

Get a buying edge as a first-time homebuyer

Incredibly low down payment

FirstLook™ gives you first chance at foreclosed homes Created by Fannie Mae, FirstLook works hand-in-hand with HomePath® financing to make it possible for buyers, especially first-time homebuyers, to get into Fannie Mae houses. Fannie Mae only considers offers from owner/ occupants, public entities, and some nonprofits during the first 15 days a property is listed in the Multiple Listing Service (MLS). This gives homebuyers the chance to bid and purchase before investors.

What is HomePath financing? HomePath is an exclusive program that allows you to purchase foreclosed property owned by Fannie Mae for as little as 3% down. If you see the HomePath logo on a property, it’s owned by Fannie Mae and is eligible for one or more of the special Fannie Mae loan products. HomePath residences are located nationwide, and include single homes, condominiums and duplexes.

Features of HomePath financing include: • Fund the down payment (at least 3%) from your savings, a gift, a grant or a secured loan from a nonprofit organization, state or local government, or employer • Relates to primary residences, second homes and investment properties • Allows owner occupants or investors

• Permits you to finance up to 97% of the home’s value • Enables sellers to contribute up to 6% toward closing costs • Accepts less-than-perfect credit • Does not require mortgage insurance • Does not require lender-requested appraisal

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/16/13 ©

may be your ticket home Residential Finance is among a select group of HomePath approved lendors HomePath is an exclusive program that allows homebuyers to purchase move-in ready foreclosed property owned by Fannie Mae (FNMA). If you see the HomePath logo on the property, it’s owned by Fannie Mae and is eligible for one or more of the special Fannie Mae loan products. HomePath residences are located nationwide and include single homes, condominiums and duplexes. FirstLook™ Program designed for first-time buyers

Created by Fannie Mae, FirstLook works hand-in-hand with HomePath financing to make it possible for buyers—especially first-time homebuyers—to get into Fannie Mae homes. Fannie Mae only considers offers from owner-occupants, public entities, and some nonprofits, during the first 15 days a property is listed in the Multiple Listing Service (MLS). This gives homebuyers a chance to bid and purchase the home before investors.

Special program lets you buy foreclosed homes

Get all the HomePath financing details

As a Residential Finance loan officer, I can work with you to take advantage of the flexible mortgage terms that HomePath financing offers. Plus, because I’m backed by an expert support services team, I’m also able to close loans quickly and efficiently. The many advantages of HomePath financing

Available only on Fannie Mae properties, HomePath financing features: •

Down payment (at least 3%) can be funded from your savings, a gift, a grant, a secured loan from a nonprofit organization, state or local government, or employer

•

Relates to primary residences, second homes and investment properties

•

Designated for both owners and investors

•

Enables borrowing up to 97% of the home’s value

•

Permits sellers to contribute up to 6% toward closing costs

•

Accepts less-than-perfect credit

•

Does not require mortgage insurance

•

Does not require lender-requested appraisal

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/16/13 ©

Loan Status Checklist Attention to:

Purchase

Attention to:

Property Address: Buyer(s): Seller(s): Date  ____ - __/__ Received purchase agreement (Home inspection set for ______________)

Date  ____ - __/__ Title work ordered  ____ - __/__ Title work received

 ____ - __/__ Received go ahead to proceed  ____ - __/__ Received all buyer documents needed for initial submission

 ____ - __/__ Homeowners’ insurance requested from agent  ____ - __/__ Homeowners’ insurance received

 ____ - __/__ Appraisal ordered  ____ - __/__ Received all buyer documents needed for final approval

 ____ - __/__ Appraisal received Value _____ Repairs Required_____  ____ - __/__ Appraisal cleared by underwriting  ____ - __/__ Appraisal submitted for approval (Estimated turn time = ______days)

 ____ - __/__ Submitted for final approval (Estimated turn time = ______days)  ____ - __/__ Received clear to close  Scheduled closing: date, time and location _____________________

 ____ - __/__ Loan approved

Status provided by: Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_PurchaseLoanStatusChecklist

Rev: 9/13/13 ©

Loan Status Checklist Attention to:

USDA

Attention to:

Property Address: Buyer(s): Seller(s): Date  ____ - __/__ Received purchase agreement (Home inspection set for ______________)

Date  ____ - __/__ Homeowners’ insurance requested from agent

 ____ - __/__ Received go ahead to proceed after home inspection

 ____ - __/__ Homeowners’ insurance received

 ____ - __/__ Received all buyer documents needed for initial submission  ____ - __/__ Appraisal ordered  ____ - __/__ Appraisal received Value _____ Repairs Required_____

 ____ - __/__ Received all items needed to send to USDA  ____ - __/__ Submitted to underwriting for review/sending to USDA (Estimated turn time = ______days)  ____ - __/__ Sent to USDA

 ____ - __/__ Appraisal cleared by underwriting  ____ - __/__ Appraisal submitted for approval (Estimated turn time = ______days)  ____ - __/__ Loan approved

 ____ - __/__ Received USDA approval; awaiting the clear to close (Estimated turn time = ______days)  ____ - __/__ Received clear to close  Scheduled closing: date, time and location _____________________

 ____ - __/__ Title work ordered  ____ - __/__ Title work received

Status provided by: Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_USDA Loan Status Checklist

Rev: 9/13/13 ©

Eliminate your monthly private mortgage insurance premiums Our proprietary mortgage insurance program may be your answer Benefits of the Residential Finance LPMI • Lower your monthly mortgage payments • Secure a loan with little money down • Qualify for more money (because your monthly payment is less) • Lower your closing costs and/or lower monthly escrows • Save thousands of dollars over the life of your loan

Save big bucks over the course of your loan Want to dump your PMI? Now you can! If you’re like many homebuyers, you may consider mortgage insurance — also known as private mortgage insurance (PMI)—to be a bothersome and pricey obligation. Designed to protect the lender in case a borrower defaults on the mortgage payments, PMI is required whenever the down payment made on a home is less than 20% of its value. Borrowers didn’t have much choice when it came to paying private mortgage insurance, until now. With Lender-Paid Mortgage Insurance (LPMI) from Residential Finance, you can eliminate your monthly mortgage insurance premiums altogether. Our very own proprietary mortgage insurance program could help you save thousands of dollars over the course of your loan.

Works for purchasing and refinancing a home Our LPMI is a great option when you want to purchase a new home or refinance an existing property. It offers a viable alternative to private mortgage insurance with competitive pricing on conventional loans, and can help save you money on your monthly premiums. Let’s talk right away. As your loan officer, I can see if the Residential Finance LPMI will work for you.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Rev: 9/16/13 ©

How much can you afford? Loan Amount $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 $380,000 $400,000 $420,000 $440,000 $460,000 $480,000 $500,000

Interest Rate 2.5% $237 $316 $395 $474 $553 $632 $711 $790 $869 $948 $1,027 $1,106 $1,185 $1,264 $1,343 $1,422 $1,501 $1,580 $1,660 $1,739 $1,818 $1,897 $1,976

3.00% $253 $337 $422 $506 $590 $675 $759 $843 $928 $1,012 $1,096 $1,180 $1,265 $1,349 $1,433 $1,518 $1,602 $1,686 $1,771 $1,855 $1,939 $2,024 $2,108

3.50% $269 $359 $449 $539 $629 $718 $808 $898 $988 $1,078 $1,168 $1,257 $1,347 $1,437 $1,527 $1,617 $1,706 $1,796 $1,886 $1,976 $2,066 $2,155 $2,245

4.00% $286 $382 $477 $573 $668 $764 $859 $955 $1,050 $1,146 $1,241 $1,337 $1,432 $1,528 $1,623 $1,719 $1,814 $1,910 $2,005 $2,101 $2,196 $2,292 $2,387

4.50% $304 $405 $507 $608 $709 $811 $912 $1,013 $1,115 $1,216 $1,317 $1,419 $1,520 $1,621 $1,723 $1,824 $1,925 $2,027 $2,128 $2,229 $2,331 $2,432 $2,533

5.00% $322 $429 $537 $644 $752 $859 $966 $1,074 $1,181 $1,288 $1,396 $1,503 $1,610 $1,718 $1,825 $1,933 $2,040 $2,147 $2,255 $2,362 $2,469 $2,577 $2,684

5.50% $341 $454 $568 $681 $795 $908 $1,022 $1,136 $1,249 $1,363 $1,476 $1,590 $1,703 $1,817 $1,930 $2,044 $2,158 $2,271 $2,385 $2,498 $2,612 $2,725 $2,839

6.00% $360 $480 $600 $719 $839 $959 $1,079 $1,199 $1,319 $1,439 $1,559 $1,679 $1,799 $1,919 $2,038 $2,158 $2,278 $2,398 $2,518 $2,638 $2,758 $2,878 $2,998

6.50% $379 $506 $632 $758 $885 $1,011 $1,138 $1,264 $1,391 $1,517 $1,643 $1,770 $1,896 $2,023 $2,149 $2,275 $2,402 $2,528 $2,655 $2,781 $2,908 $3,034 $3,160

7.00% $399 $532 $665 $798 $931 $1,064 $1,198 $1,331 $1,464 $1,597 $1,730 $1,863 $1,996 $2,129 $2,262 $2,395 $2,528 $2,661 $2,794 $2,927 $3,060 $3,193 $3,327

These are examples of 30-year monthly mortgage payments and are estimates of principle and interest only. Taxes and insurance payments vary and are not included.

Contact me today to get pre-approved for your home loan! Jane Branch Senior Loan Officer NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, Ohio 43219

Fax. 123.123.2222

PAYMENT ESTIMATES ARE FOR CONVENIENCE AND INFORMATIONAL PURPOSES ONLY. RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_Payment Grid

September 3, 2013 1:26 PM

Thoroughly equipped to be your mortgage professional Working hard to earn your trust I’ve been trained, tested, checked and double-checked To become a Residential Finance loan officer, it takes more than passing a few tests. It involves being meticulously groomed to work in the complex mortgageloan industry. This thorough education is required at Residential Finance. After all, we have an excellent reputation to uphold.

Rigorous screening required:

50 hours of company training in:

• • • • • • •

• • • • •

Background check Credit check Reference check National licensure exam State licensure exam State financial responsibility check State fingerprinted

Ethics Confidentiality Mortgage regulation Loan products Customer service

Meet your loan expert As a Residential Finance loan officer, I can do more than get you a great loan at a great rate—I can also help streamline the entire lending process. I understand that finding a mortgage loan can be one of life’s most exciting (and sometimes stressful) events, so I’ll work hard to secure the lending option that’s right for you now, with an eye on your future.

Why choose Residential Finance? Residential Finance is a nationwide mortgage lender. Founded in 1997 and based in Columbus, Ohio, we operate in 38 states with regional branches nationwide. Respected throughout the financial community for our expertise and wide array of lending-products, Residential Finance is most proud of the quality service we deliver to our clients every day.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Meet Loan Officer

Rev: 9/24/13 ©

COMPLIMENTARY Mortgage Pre-Qualification

BORROWER

At Residential Finance, we’ve mastered the art of making the loan process friendly, efficient and straightforward ─ every step of the way. Our staff is not only highly qualified to offer you sound advice, but the entire team is also deeply committed to giving you superior customer service. Together, we work hard to provide you with the best loan options and timely service possible.

First Name

Last

Home Phone #

Work Phone #

Yearly Income

Monthly Debits

D.O.B (mm/dd/yyyy)

Home Street Address City $ Purchase Price

State $ Down Payment

CO-BORROWER

Signature

First Name

Zip Code

Date

Last

Home Phone #

Work Phone #

Yearly Income

Monthly Debits

D.O.B (mm/dd/yyyy)

Home Street Address City $ Purchase Price

State $ Down Payment

Signature

Zip Code

Date

By signing above, I authorize Residential Finance to contact me regarding the above information to discuss different loan options based upon this information.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Pre-Qualification

Rev: 9/16/13 ©

! w o n The time to buy a house is Take advantage of today’s low rates and low housing prices Our strong expertise is your advantage Buying a home is a major decision. Whether you’re looking for your first home, your dream home or an investment property, you deserve to get the best advice to help you make sound decisions. You can count on me. Backed by a team of mortgage professionals, my strong lending expertise can help simplify your home-financing process. Quick pre-approvals move things along It’s a great idea to get pre-approved for a loan before you start house hunting. With a Residential Finance pre-approval letter in hand, you can save time by looking only at houses that fit your budget. Plus, you’re empowered to make an immediate offer and beat out competing homebuyers. Extensive lending options increase confidence We want you to be as happy with your mortgage loan as you are with your new home. Residential Finance offers a wide range of loans to suit a variety of homebuyer situations, reinforcing your confidence in finding the one that works best for you. Let me answer your questions and provide decision-making details about our home loans. They include: • • •

FHA Fixed rate Adjustable rate

• •

Conventional Veterans

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Purchase

Rev: 9/16/13 ©

Take advantage of today’s low rates and low housing prices

! w o n s The time to buy a house i Our strong expertise is your advantage Buying a home is a major decision. Whether you’re looking for your first home, your dream home or an investment property, you deserve to get the best advice to help you make sound decisions. You can count on me. Backed by a team of mortgage professionals, my strong lending expertise can help simplify your home-financing process. Quick pre-approvals move things along It’s a great idea to get pre-approved for a loan before you start house hunting. With a Residential Finance pre-approval letter in hand, you can save time by looking only at houses that fit your budget. Plus, you’re empowered to make an immediate offer and beat out competing homebuyers.

Extensive lending options increase confidence We want you to be as happy with your mortgage loan as you are with your new home. Residential Finance offers a wide range of loans to suit a variety of homebuyer situations, reinforcing your confidence in finding the one that works best for you. Let me answer your questions and provide decision-making details about our home loans. They include: • • • • •

FHA Fixed rate Adjustable rate Conventional Veterans

Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

1727 Veterans Memorial Hwy, Suite 310 Cottonwood Heights, UT 12345

Fax. 123.123.2222

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Flyer_Purchase Southwestern

Rev: 8/22/13 ©

! w o n The time to buy a house is Explore the benefits of a home refinance A smart move for savvy homeowners

Consider all the refinance options

Why not use your home’s value to help take control of your financial situation? Depending on how much equity you’ve built in your house and how much longer you plan to own it, refinancing your mortgage could be a wise decision.

Once you understand your motive for refinancing, your next step is to find the approach that would be most effective for your situation. Just a few of the options we’ll talk about include: Changing your rate – Refinance at a lower rate to reduce your monthly payments

Decide what you want to accomplish Your first step is to determine what you want to achieve through a refinance. Think of it as a restructuring of your debt and you’ll have a sharper focus on which approach might work best for you. For example, one common reason to refinance is to reduce interest expense, while another strong motive is debt consolidation. Some homeowners want to extend the loan over a longer period to get a lower monthly payment, while others combine a first mortgage and a home equity mortgage into one fixed-rate mortgage to level out the payment over the loan’s term.

Taking cash out – Access the money in your home and put it toward other investments Reducing your term – Build equity faster and take less time paying off the mortgage Consolidating debt – Roll all of your monthly debts into a single low payment Converting an ARM – Replace your adjustable-rate mortgage for a fixed-rate loan

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Refinance

Rev: 9/16/13 ©

! w o n The time to buy a house is Take advantage of our many mortgage programs More lending options offer greater buying power

Some of the loan products we offer include:

If you’ve ever thought of buying a home, now is the ideal time. With interest rates at near historical lows and an ample market of homes for sale, you should strongly consider the advantages of homeownership.

• FHA (Federal Housing Administration)

For example, you can decorate and remodel however you please when the house is yours. You can save on taxes with mortgage interest deductions. You can build equity, a way of paying yourself as an investment. And by purchasing now, you can be ahead of the market when rates inevitably rise in the future

Look at all of your choices As a mortgage professional with Residential Finance, I can offer you guidance about the home loans that best suit your goals. We can review the benefits of each lending program in relation to your lifestyle and finances. In most cases, you won’t need a perfect credit score or a 3.5% down payment to secure your mortgage with us.

• VA (U.S. Department of Veterans Affairs) • USDA (U.S. Department of Agriculture) • Section 203(k) (FHA) • Conventional • Jumbo • Foreign National • And more...

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_PurchaseLoanOptions

Rev: 9/24/13 ©

Buying vs. Renting: A Rewarding Decision ESTIMATED SAVINGS CALCULATION:

Enjoy the many benefits of buying a home of your own

The following calculation is based on a purchase price of $250,000, 10% down, 720 credit score, 1 point origination, $1,000 in lender fees, 4.375% rate, and 4.497% APR.

If you’re on the fence about whether to

CALCULATIONS RENT PURCHASE

It’s a big step! Consider the monetary

Purchase price of home $250,000 Monthly payment $1,500 $1,123.39*

buy or rent your home, we understand. advantages of buying instead of renting, as well as the pure pleasure of having a house of your own.

Down payment $25,000 Length of loan term (years)

Interest rate/APR 4.375% / 4.497% Years you plan to stay in the home

Yearly property tax rate 1% Yearly home value appreciation rate

Price of home after appreciation

$334,592

Remaining balance after 5 years

$204,714

Equity in house $129,989 Tax savings (28% bracket)

$19,691

Total payments (over 5 years)

$47,712

$90,000

TOTAL SAVINGS IF BUYING

$42,288

Top 5 renter disadvantages 1. You have few tax incentives. 2. You have no control over rental amounts and terms changing. 3. Your rent money goes toward paying off your landlord’s mortgage and building their equity. 4. You are often restricted on making any changes to the dwelling. 5. You have no pride of ownership—you can’t say“this is my house.”

Let’s talk about buying a house! Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_RentingvsBuyingUPDATED

Rev: 9/16/13 ©

ve o l u e yo m o h e Find the financing you need to build th Founded in 1997 and based in Columbus, Ohio, Residential Finance has earned over 25 honors and has been featured in The Wall Street Journal, Newsweek, Smart Money magazine and on CNBC, FOX, NPR and Forbes.com.

We can build you a great loan program to fit your new-build needs. Put your new home construction in the hands of a respected builderr, and put your home loan in the hands of mortgage lending leader Residential Finance. Together, we can work with you to build and afford a beautiful home. Here’s what Residential Finance can offer you: •

A wide variety of mortgage products. We work with FHA, VA, USDA, fixed-rate, conventional, jumbo and first-time homebuyer programs — plus much more! Let’s find the right loan for your situation.

•

Friendly, knowledgeable service. You can expect us to provide you with ongoing and detailed explanations about your loan options and the loan process, every step of the way.

•

Fast pre-approvals and timely closings. We know that the sooner you close on your loan, the sooner you can move into your new home. That’s why we treat each loan as if it were our own.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Builder

Rev: 9/25/13 ©

Borrower Document Checklist

W-2 Employee

ORGANIZE YOUR DOCUMENTS There are a variety of personal and financial documents that your loan officer will need to complete your loan. To help you prepare and ensure that the process flows smoothly, here’s a checklist of the items you’ll need: 

Signed initial loan disclosures

 Tax returns from the two most recent years



Current mortgage statement(s)



Homeowners’ insurance policy and contact of homeowner’s agent



Most recent quarterly 401(k) statement or other

(all pages) 

Bank statements from the two most recent months (all pages)

asset statements (if applicable)



W-2s from the two most recent years



If you are a veteran, your DD214, LES or NGB22



Paystubs showing the last 30 days of wages



Divorce decree (if applicable)



Copy of driver’s license

Other Items

Questions? Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_W-2EmployeeChecklistl

September 25, 2013 10:52 AM

Purchase Borrower Document Checklist

Self Employed

Signed initial loan disclosures



Copy of driver’s license (clear and legible)



Copy of fully executed sales contract



Tax returns from 2011 and 2012 (all schedules) Sign page 2 of 1040 returns.

Homeowners’ insurance policy and contact information of homeowner’s agent: If first time homebuyer: please choose agent, visit agency to sign paperwork, request policy and provide information.



Copy of business license 

If you are a veteran, your DD214, LES or NGB22



Divorce decree (if applicable)



Name of preferred title company



Bank statements from the two most recent months (all numbered pages) Most recent quarterly 401(k) statement or other asset statements (if applicable)

Other Items

Loan Officer Contact Information Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_PurchaseSelfEmployedChecklist

September 25, 2013 11:03 AM

Purchase Borrower Document Checklist

W-2 Employee

Signed initial loan disclosures



Signed fully executed purchase contract



Paystubs showing the last 30 days of wages



W-2s from the two most recent years



Tax returns from 2011 and 2012 (all schedules) Sign page 2 of the 1040 returns.



Bank statements from the two most recent months (all numbered pages)



Homeowners’ insurance policy and contact information of homeowner’s agent: If first time homebuyer: please choose agent, visit agency to sign paperwork, request policy and provide information.



Most recent quarterly 401(k) statement or other asset statements (if applicable)



If you are a veteran, your DD214, LES or NGB22



Divorce decree (if applicable)



Name of preferred title company

Copy of driver’s license (clear and legible)

Other Items

Loan Officer Contact Information Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_PURCHASEW-2EmployeeChecklist

September 25, 2013 10:57 AM

Purchase Borrower Document Checklist

Retired

Signed initial loan disclosures



Copy of fully executed sales contract



Social Security and/or Pension Award letter from the two most recent years



1099s from the two most recent years (tax document for pension or social security)



Copy of driver’s license (clear and legible)



Apply for homeowners’ insurance and contact information of homeowner’s agent: If first time homebuyer: please choose agent, visit agency to sign paperwork, request policy and provide information.



If you are a veteran, your DD214, LES or NGB22



Divorce decree (if applicable)



Name of preferred title company

 Tax returns from 2011 and 2012 (all schedules)

Sign page 2 of the 1040 returns.



Bank statements from the two most recent months (all numbered pages)



Annuity statement (if applicable, must prove three year continous income)



Most recent quarterly 401(k) statement or other asset statements (if applicable)

Other Items

Loan Officer Contact Information Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_PurchaseRetiredDocumentChecklist

September 25, 2013 10:55 AM

Borrower Document Checklist

Self Employed



Signed initial loan disclosures

 Tax returns from the two most recent years



Current mortgage statement(s)



Homeowners’ insurance policy and contact of

(all pages) 

homeowner’s agent

Bank statements from the two most recent months (all pages)



Copy of business license



Copy of driver’s license



Most recent quarterly 401(k) statement or other asset statements (if applicable)



If you are a veteran, your DD214, LES or NGB22



Divorce decree (if applicable)

Other Items

Questions? Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_SelfEmployedChecklist

September 25, 2013 9:35 AM

Borrower Document Checklist

Retired

Signed initial loan disclosures

 Tax returns from the two most recent years



Copy of driver’s license



Current mortgage statement(s)



Homeowners’ insurance policy and contact of homeowner’s agent



Most recent quarterly 401(k) statement or other asset statements (if applicable)



If you are a veteran, your DD214, LES or NGB22



Divorce decree (if applicable)

(all pages)



Bank statements from the two most recent months (all pages) Annuity statement (if applicable, must prove 3 year continous income) 1099s from the two most recent years (tax document for Pension or Social Secruity) Social Security and/or Pension Award letter from the two most recent years

Other Items

Questions? Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_RetiredDocumentChecklist

September 25, 2013 11:03 AM

Your home is your hub. And it’s my sole focus. Trust an experienced, dedicated lender I’ll find you a loan to protect your prized investment Home is not only the centerpiece of your life; it’s often the hub of your financial portfolio. That’s why, when you’re ready to buy or refinance a home, you need to rely upon an honest, knowledgeable loan officer who works for a mortgage lender that’s exclusively dedicated to your home-loan needs.

You can count on me At Residential Finance, my sole focus is to help you find the right mortgage for your situation. I’m not distracted by offering car loans, student loans, credit cards or business banking options. With a history of home-lending excellence since 1997, Residential Finance makes it possible for me to help you secure a home loan with great terms that can save you money.

Yes, you can own your own home Let me help you buy a home with one of our many loan programs. I’ll explain the benefits of each lending option in relation to your goals and finances: • • • • • • •

FHA — Federal Housing Administration VA — U.S. Department of Veterans Affairs USDA — U.S. Department of Agriculture Section 203(k) — Department of Housing and Urban Development Conventional Jumbo And more …

Yes, you can lower your mortgage rate There are so many reasons to refinance your current home! With interest rates at historic lows, you’ll be able to lower your monthly mortgage payments, get a low fixed-rate loan that won’t adjust when the market does, and even tap into your property’s equity to secure extra cash. Let’s find what works best for you.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_SoleFocusBuyorRefiFlyer

Rev: 9/25/13 ©

Do’s & Don’ts During the Loan Process 1. Do consider having a professional home

inspection performed. You need to learn as much as you can about the home, and a home inspection can help identify the need for major repairs, maintenance issues or walk-through oversights.

2. Do ensure that the person you hire to

conduct the home inspection is reputable and certified. You can access a list of inspectors certified by theAmerican Society of Home Inspectors at www.ashi.org.

3. Do ask questions. Turn to us to gain a better

understanding of every detail and to get answers to your questions as they come up.

6. Don’t stop making your payments. Continue to make your mortgage payments until told otherwise.

7. Don’t incur more debt! We cannot emphasize

this enough. Hold off on that new car, boat or credit card. Any new debt could result in additional delays in the loan process.

8. Don’t spend the money you have in the bank. Many mortgages are approved on the condition that you have a certain amount of money on reserve after closing. Although you may be eager to purchase new furniture or accessories for your new home, please hold off.

4. Do continue to collect pertinent information.

9. Don’t change jobs. Try not to make a career

5. Do refer me, please. Our business is built on

10. Don’t open or close new credit accounts or

Most recent pay stubs may be needed, so keep updated information on hand.

providing high-quality service and satisfaction. If we did an excellent job for you, we’d be happy to assist any friends, family or colleagues who you think could benefit from our loan products and services.

move until after your loan has closed. You want to demonstrate income stability.

change banks in the months prior to applying for your loan. Account changes can affect your credit rating.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_TopCreditDo'sandDon'ts

Rev: 9/25/13 ©

Need a zero-down mortgage?

Buy your home outside the city. 100% financing with USDA fixed-rate loans for rural homes. Ready to buy your first home and want to avoid a down payment? Consider living outside the city. U.S. Department of Agriculture (USDA) home loans offer uniquely favorable terms for first-time homebuyers who live in eligible rural areas — which may even be just beyond city limits. So if you have trouble making a traditional down payment, have a low income, or even have damaged credit, a USDA loan can help make your homeownership dreams come true. Advantages of USDA loans for first-time homebuyers: •

Zero money down – No down payment needed with 100% financing

•

Seller-paid closing costs – Seller can pay closing costs for the buyer

•

Credit flexibility – For moderate to low-income borrowers with minimum FICO score of 640

•

Self-employed benefit – Work for yourself? You may be eligible with two years of tax returns (filed and accepted by the IRS)

•

No surprises – Stable, fixed monthly payments over the life of the loan

•

Government guaranteed – Backed by the U.S. Department of Agriculture

Property eligibility Most areas with a population of 20,000 or fewer are considered to be in an approved USDA Development. Find out if the home you want to buy is USDA-loan eligible at eligibility.sc.egov.usda.gov

See if you qualify! Contact me to talk about income eligibility for USDA loans. Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_USDA Purchase

Rev: 9/25/13 ©

Are you a veteran in need of home refinancing?

Proud to serve

our heroes

A low credit score won’t stand in your way Refinance your existing VA loan If you’re a U.S. veteran, active servicemember, or qualifying spouse looking to improve or restructure your financial situation, let me help you secure a VA Streamline Refinance Loan— a.k.a. Interest Rate Reduction Refinance Loan (IRRRL) — through Residential Finance. This government-backed refinancing option is available if you have already used your eligibility for a VA loan on the property you want to refinance. It allows you to lower your interest rate and monthly mortgage payment, as well as shorten the term of your loan. In most cases, your refinancing can be secured in as few as 10 days.

Refinance your mortgage

Rates won’t stay low forever

As the name suggests, a VA Streamline Refinance Loan offers a streamlined application process, making it faster and easier to qualify and get the refinancing you deserve.

With historically low interest rates, now is the time to put me to work to help refinance your home. Supported by the team of expert mortgage professionals at Residential Finance, my knowledge and dedication can make this happen quickly and efficiently.

•

Lower credit scores accepted

•

No appraisal needed

•

No income verification required

•

Less paperwork

•

Lower closing costs

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_VA Streamline

Rev: 9/25/13 ©

Construction loans Customized lending for custom homes

Finance any type of single home-site project

Build your home with a made-for-you construction loan Are you planning to hire a builder or be your own contractor to build a house? At Residential Finance, we’ve got a great home-construction financing option to help make your project a reality. Designed for both custom homes and single home-site developments, this lending program can be customized according to your wants and needs. Once we understand your project goals, we can “build” a loan that works for you. Loans from $75,000 to $1.75 million The loan amount, which can be from $75,000 to $1.75 million, can also include the land purchase. Based on whether you’re a homebuyer or builder, you can borrow anywhere from 50% to 80% of the appraised house value. What’s more, you can finance up to four single-family homes built on a 12-month schedule. Put me to work for you. Supported by the strong back-office support team at Residential Finance, my knowledge and dedication can help you get the construction loan you need.

Start-to-finish financing – and beyond We know you’re eager to get started on the construction. That’s why our loan pre-qualifications typically take only three-to-five business days. And once the home is built, ask us about permanent financing. •

Draw funds on a flexible schedule

•

Pay interest charged only on funds drawn

•

Secure an interest-only loan for up to 12 months

•

Include up to 75% of the lot purchase price

•

Finance up to four single-family homes

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Construction Loan

Rev: 9/25/13 ©

Financial partner: Let’s work for your clients together!

Calling all financial planners, accountants and tax advisors

Create security through restructured home loans When you have clients who need financial restructuring, the experts at Residential Finance offer the home loan knowledge you and your clients can feel good about. Our team of mortgage professionals distinguish themselves by carefully explaining the many refinance options available. Once the applicable programs are fully understood, your clients are able to decide which option works best to help improve their situation. Here’s what we strive to do: •

Lower your client’s monthly payments

•

Create a cushion of security through cash acquisition

•

Shorten your client’s loan term

•

Provide the security of a fixed-rate refinance loan

•

Process and close loans quickly, efficiently and accurately

It’s a great time to refinance With interest rates at historic lows, Residential Finance has access to a vast array of refinancing programs, including: •

Federal Housing Administration (FHA)

•

Adjustable-rate mortgage

•

Cash out

•

Veterans Administration (VA)

•

FHA 203(k) or Streamlined K

•

U.S. Department of Agriculture (USDA)

•

State bond

Home Equity Line of Credit (HELOC)

•

Fixed-rate mortgage

•

Jumbo

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Financial_Flyer_Financial Partner

Rev: 9/25/13 ©

Please share this message with your REALTOR® Let’s team up to “wow” your clients! When the right people unite, everyone benefits.

Now is a great time to buy a home – and a great time to join forces. With today’s great interest rates, many clients are eager to purchase a house. And now more than ever, they need our combined expertise to make sure they find the right house at an affordable price, with a mortgage loan best suited to their goals.

Put your confidence in our experience.

With our deep assortment of lending products and industry-respected excellent business practices, you and your clients can rely on us to provide the knowledgeable, quality lending guidance they need. For example, the advantages of a Residential Finance pre-approval letter are clear: • • •

Speed. We provide a loan pre-approval letter in just 24 hours. Focus. Keeps your clients focused on homes within their price range, saving time and effort. Competitive edge. Enables your clients to make an immediate offer to buy the home they love.

Let’s talk right away about how we can dazzle your clients! Through a partnership, we can make sure your clients have a fast, efficient and highly rewarding homebuying experience.

Worried about closing on time? Not a problem. With our exclusive Quick Reaction Force to oversee the course of your clients’ loans, you and your clients can expect an efficient and highly professional start-to-finish home loan process.

Working from a specialized control center at company headquarters, our Quick Reaction Force is made up of top processors who ensure your clients’ purchase loans close in an accurate, predictable and timely manner. Our Quick Reaction Force works hard for your clients to: • • •

Ensure on-time closing Monitor loan progress from start to finish Streamline the loan process from one step to the next

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partnership Adv

Rev: 9/25/13 ©

A smarter way to deliver your clients’ Overcoming delays loans on time is our mission Introducing our Quick Reaction Force for purchase loans When it comes to buying a home, timing is everything. So is a solid, reliable closing date – one with no delays or excuses. However, sometimes the unexpected comes along, blocking your clients’ loan progress and causing unnecessary anxiety for everyone involved.

Put your loan-closing worries to rest To circumvent delays the moment they occur, Residential Finance has created the Quick Reaction Force, a direct line to our closing department overseeing the course of your clients’ purchase loans. Working from a specialized control center at company headquarters in Columbus, Ohio, the Quick Reaction Force makes certain your clients’ loans close in an accurate, predictable and timely manner.

Mission of the Quick Reaction Force • Ensure on-time closings

• Monitor loan progress from start to finish • Clear any bottlenecks along the way

Call our hotline when you need status confirmation We’ve even set up a special Quick Reaction Force hotline for use by our loan officers, branch managers and real estate partners. When you need up-to-the-minute information on a loan’s status, the Force members can quickly gather the information you need to verify the scheduled closing is on-target. The hotline number is at your service: 855.621.4886!

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_Quick Reaction Force

Rev: 9/25/13 ©

We market you!

Closing the loan opens the door to repeat business Boost your business with strategic follow-up mailings The value of repeat business and customer referrals is huge. That’s why we reinforce your expertise by sending 11 follow-up mailings to each of your customers after their loans close. Each mailing is carefully developed as part of a series to resonate with the recipients and generate positive response. Best of all, each mailing can be branded with your name, photo and contact information – at no charge. It’s our way of saying “thank you” for working with us. That’s two years of automated marketing! With so much market presence, it’s even easier to nurture your established client base.

Your customer receives: • Welcome letter

• Customer survey

• Thank-you card

• Eight co-branded postcards

Let’s work together. Contact me for more details! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_Quick Reaction Force

Rev: 9/25/13 ©

Real estate professional –let’s work together! We both serve the same clientele Our combined expertise is a great fit

Can we shake on it?

I understand how hard you’ve worked to become a top real estate agent. That’s because I’ve worked hard to become a top mortgage professional. Along the way, we’ve both developed the skills and honed the instincts we need to turn house hunters into homebuyers. Our business goals are a match.

By combining our skills and resources, there’s very little we cannot accomplish.

We’ll both benefit from our partnership Between the two of us, we can work wonders to make buying a house a “one-stop” process for the homebuyer. For starters, make certain your client has a loan preapproval letter. Through the strong back-office support at Residential Finance, I can help secure the pre-approval (based upon eligibility) within 3-to-5 business days.

I’d love to discuss a potential partnership with you at your earliest convenience. Together, we can discover and implement inventive ways to increase sales in the coming year.

Homebuyers will benefit too! With the pre-approval in hand, your prospective buyers will be able to shop within their budget, saving everyone valuable time. And with the letter in hand, your client is empowered to make an immediate offer (there’s nothing quite like beating out competing shoppers and real estate agents). Then, after the seller accepts, I can handle all the mortgage details. It’s that easy to make you, me and your buyer happy!

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_Realtor

Rev: 9/25/13 ©

Help your clients avoid mortgage insurance premiums Lender-Paid Mortgage Insurance from Residential Finance Benefits of LPMI • Available for conventional loans • Lower monthly mortgage payments • Secure a loan with little money down • Borrowers can qualify for more money because monthly payments are less • Lower closing costs and/or lower monthly escrows for the borrower

Homebuyers get a lower payment and save big bucks over the course of their loan As you know, private mortgage insurance (PMI) is required whenever a homebuyer’s down payment is less than 20% of the home’s value. Designed to protect lenders in case a borrower defaults on the mortgage payments, PMI is a pricey and bothersome obligation. Not anymore. With Lender-Paid Mortgage Insurance (LPMI) from Residential Finance, we can eliminate your customers’ monthly PMI payments altogether. Over the course of their loan, LPMI could save your clients thousands of dollars.

Let’s work together When your customer wants to purchase a new home, LPMI can offer them competitive pricing and help save on their monthly premiums. Let’s work together and discuss how Residential Finance LPMI can benefit your clients.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Realtor_Flyer_LPMI

Rev: 9/25/13 ©

We believe it’s a two-way street: REALTORs® and originators working together to help clients make smart homebuying decisions.

Put our advantages to work for your clients–and you! Clients turn to us for our depth of loan options, proven expertise and excellent reputation. Ask us how we can help them with buying, selling, refinancing and short sales.

Co-branding Opportunities* Share our postcards, flyers, sell sheets and more to help drive business to your door.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

*RESPA compliance is important to us, and we adhere to the shared-cost guidelines when applicable. Realtor_Flyer_Two Way Street

Rev: 9/25/13 ©

Do you crave a career that inspires, rewards and builds on your future? Join the Residential Finance family When you become a Residential Finance loan officer, you’ll be treated like a member of our big, growing family. You’re certain to feel welcomed and valued in an atmosphere that can feel more like home than an office. And while you’re certain to be challenged, you’ll also be encouraged by colleagues who want to help you succeed every step of the way.

Extensive Lend-U training program Our award-winning training program, Lend-U, accommodates all levels of experience. Whether you’re a new recruit or a seasoned lending professional, you’ll walk away from our comprehensive 50 hours of training—including online, in-house and one-on-one coaching—knowing far more than you did before you began.

Market strategy from Barry Habib As one of our loan officers, you’ll gain a distinct competitive edge by having nationally recognized mortgage expert Barry Habib at the helm of your market strategy. Through Barry’s insights, you’ll gain significant perspective on when to lock or float loans, and you’ll have the tools to develop your own acute lending awareness to pass on to prospects, customers and business partners.

It’s a great time to come on board With interest rates at historic lows, now is an ideal time to begin your career as a Residential Finance loan officer. Established in 1997, Residential Finance is one of the fastest-growing mortgage companies in the nation with offices in 36 states and regional branches across the country. Find out for yourself why we attract and retain such phenomenal talent!

Hang your hat here! Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Recruiting_Flyer_LO Hang Your Hat

Rev: 9/25/13 ©

Come thrive as a loan officer at Residential Finance We’re an industry leader Residential Finance is an innovative, forward-thinking mortgage banker that specializes in finding homebuyers the ideal home loan to meet their needs. Founded in 1997 and based in Columbus, Ohio, we operate in 38 states with regional branches nationwide.

Join a team of top mortgage professionals An employer to be proud of Residential Finance has been awarded numerous accolades along the way. Recently, we received:

No experience required Sure, we invite knowledgeable loan officers to join our team. But believe it or not, you don’t need any previous experience in finance or banking to work for us. You’ll receive thorough on-the-job training from our team of industry experts. Think about it: in just a few short months you could be a licensed loan officer closing your first deal!

Learn, grow and have fun with us We foster a culture of integrity, relationship and value. You’ll work hard for your customers every day, but you’ll be richly rewarded for your efforts – not only financially, but also in the fun and camaraderie to be had with your clients and co-workers. If these core values work for you, this could be the career move you’ve been waiting for. We’ve also been featured in The Wall Street Journal, Newsweek, Smart Money Magazine, and on CNBC, FOX, NPR and Forbes.com.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Recruiting_Flyer_Entry Level LO

Rev: 9/25/13 ©

Borrow more at lower rates Jumbo loans up to $5 million Borrowing smart can help you achieve your long-term financial goals. With our help, sophisticated borrowers can develop a strategic approach to borrowing that keeps both your assets and obligations structured to meet your long-term financial goals. Interest-only – Pay a fixed, interest-only rate for 10 or 15 years. Pledged asset program – Increase the size of your home loan by pledging the additional assets in the form of securities in lieu of the normal down payment. Asset depletion program – Use your liquid assets to offset ratio guidelines in complex income scenarios, such as self-employment, trust income, divorce or corporate buyouts. Vesting title in entities – Retain the property title within a preferred legal structure. Foreign nationals – Available for eligible permanent and non-permanent resident aliens.

Put me to work to find the jumbo loan that works best for you. Supported by the expert team of mortgage professionals at Residential Finance, my knowledge and dedication can help you get the funding you want.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Jumbo Borrow More

Rev: 9/25/13 ©

Mortgage options during divorce Clients can finance up to 97.75% of home value

Helping your clients recover when marriages fail At Residential Finance, we understand that feelings and finances can be particularly sensitive when couples divorce. Because of the scope of our lending options, we are particularly well-suited to find home refinance and purchase loan programs that can help your divorcing clients move forward – without leaving everything behind. Plus, we provide our services with industry-leading turn-time. This means your clients can recover sooner and you can receive payment that much faster.

Refinance for optimal benefit

Purchase to ease financial uncertainty

As a lender, we can offer exceptionally attractive divorceequity buy-outs. With a suitable loan, we can even finance up to 97.75% LTV (loan-to-value) of a client’s home value. Let us help your clients refinance with a loan that fits their situation. The right loan can:

In situations where clients need to start over in a new home, let us help them consider their potential options. They may be able to buy a new house that they can afford or treat as a sound investment with:

• • •

Lower their interest rate Lower their monthly payment Consolidate debt, student loans or second mortgages

• • •

Low down payments Rapid pre-approvals Efficient, fast closings

I’ll give your clients the care and attention they deserve Whether your clients are planning, going through or recovering from a divorce. I can explain their options for removing a spouse from the mortgage, taking on a new property, or most any other mortgage issue that may arise.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Partner_Flyer_DivorceAttorneyAdvantage

Rev: 9/25/13 ©

. w o n e m o h Don’t wait! Buy your new

With rates on the move, now is a great time to take advantage of the homebuying market to purchase a home. Whether you want to buy your first home or move up to your dream home, you could benefit from buying now. Although rates have increased a bit, signs still point to a strong housing market. Homebuyers can expect significant price appreciation, especially when comparing rent as an alternative. -Barry Habib Chief Market Strategist

Turn to the experts at Residential Finance to help you find the right loan for your situation. You can be sure you’ll receive top-notch advice and guidance, because our loan officers are tapped into the wisdom provided by one the mortgage industry’s most respected experts: Barry Habib.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Purchase Rising Rates

Rev: 9/25/13 ©

Underwater on your mortgage?

HARP 2.0 is the life preserver you need!

What is HARP?

Advantages of a HARP 2.0

The Home Affordable Refinance Program was created in 2009 to help underwater and near-underwater homeowners— those who owe more in house payments than their homes are currently worth— refinance at today’s historically low interest rates.

With HARP 2.0, you could reduce your monthly payments or interest rate. Take a look at why this revised program is so popular with “underwater” homeowners: •

No minimum credit score

•

No maximum LTV ratio

Now it’s even easier to qualify

•

The HARP 2.0 program (an expansion of the original program) allows even more homeowners to qualify for refinancing, even if you were turned down for the original HARP 1.0 loan.

Maximum loan amount capped at current high-balance limit

•

Owner-occupied, second homes and investment properties qualify

•

One 30-day late mortgage payment allowed if it did not occur in the last six months

Qualifications include: •

Your mortgage loan must be owned by Fannie Mae or Freddie Mac on or before May 31, 2009

•

Your mortgage payments must have been made on time for the last six months

Existing private mortgage insurance (PMI) can be transferred to the new loan

•

The current loan-to-value (LTV) ratio on the property is unlimited.

If current loan does not have PMI, new loan will not require it.

Hurry! The program ends December 31, 2013. HARP 2.0 can give you time to get back on your feet, but time is running out. To take advantage of this helpful program before it ends, give me a call to see if you qualify.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_HARP

Rev: 9/24/13 ©

Jumbo loans Up to $5 million When you need bigger loans, we give you more choices Real estate with high property values call for special financing. When you want to borrow more than $417,000 to buy or refinance a house, consider a jumbo loan.

Borrow more at lower rates

Yet not just any jumbo loan will do. With some of the best jumbo loan LTV (loan to value) rates in the industry, Residential Finance offers a variety of lending advantages that enable you to find a jumbo loan you can afford. Once you shop around, I think you’ll be excited to discover how much better our jumbo loan pricing can be compared to other lenders. •

Cash out up to $750,000

•

Fixed Rate up to $2,500,000

•

80% LTV up to $1 million

•

75% LTV up to $1.5 million

Finance condos, co-ops and up to four properties

•

Jumbo ARMS up to $2,000,000

•

Escrows not required

Borrowing smart can help you achieve your long-term financial goals With our help, sophisticated borrowers can develop a strategic approach to borrowing that keeps both your assets and obligations structured to meet your long-term financial goals. Interest-only – Pay a fixed, interest-only rate for 10 or 15 years Pledged asset program – Increase the size of your home loan by pledging the additional assets in the form of securities in lieu of the normal down payment Asset depletion program – Use your liquid assets to offset ratio guidelines in complex income scenarios, such as self-employment, trust income, divorce or corporate buyouts Vesting title in entities – Retain the property title within a preferred legal structure

Put me to work to find the jumbo loan that works best for you Supported by the expert team of mortgage professionals at Residential Finance, my knowledge and dedication can help you get the funding you want.

Foreign nationals – Available for eligible permanent and non-permanent resident aliens

Contact me for details! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Jumbo Loan

Rev: 9/16/13 ©

The Loan Process 7 Easy Steps Start to Finish Buying your new home doesn’t have to be stressful and confusing. To help you understand the process and feel comfortable with the decision you make, follow these 7 steps to make your experience hassle free.

Pre-Approval

Contract

Review and Rate Lock

Your client can do this over the phone or in person with me. I’ll ask questions that help me determine how much your client may be eligible to borrow. At this time, you will be asked to provide documents such as W2s, pay stubs, tax returns and possibly bank statements.

Your client signs the loan application and contract, and discloses information about their financial situation. They need to share everything up front to ensure the loan gets processed as smoothly as possible.

By now, all your client’s documents should be submitted, so when the appraisal comes in we can review everything, lock in the loan rate when the time is right, and submit a complete package to the underwriter.

Appraisal

Underwriting

Quality Assurance

A professional appraiser will visit the home your client wishes to buy, evaluate its condition and assets, compare it to other home sales in the area, then determine its market value.

An underwriter is the person responsible for comparing your client’s documents with the guidelines of the loan they wish to obtain, and determining if they qualify for the loan.

After reviewing your client’s loan package, the underwriter may ask for additional or updated documents such as pay stubs or re-verification of employment.

7 Closing The moment we’ve been waiting for! Once the paperwork is complete and the loan is approved, the loan officer will work with the closing agent to ensure the documents are recorded and funds are properly dispersed.

Contact me today! Jane Branch Branch Manager NMLS #: 123456

Tel. 123.123.1234 Ext. 1234

jane.branch@myrfc.com

Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, OH 43219

Fax. 123.123.2222

Consumer_Flyer_Loan Process