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Andy Ward makes mortgage loans easy!  Come see the Loan Boss!
 

Andy Ward makes mortgage loans easy! Come see the Loan Boss!

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Wintrust Mortgage and I have teamed up to create a great partnership that results in National lending power combined with Local expertise. Whether you are refinancing or purchasing a new home, I feel ...

Wintrust Mortgage and I have teamed up to create a great partnership that results in National lending power combined with Local expertise. Whether you are refinancing or purchasing a new home, I feel that it is my duty to provide you with a clear and unbiased explanation of all your loan options. All loans are processed "in house" which ensures timely communication between all parties resulting in a superior customer experience. I specialize in FHA and VA lending in all 50 states. HARP loans are available to refinance up to 125% of your home's value in most cases. Some loans do not even require an appraisal or income verification. The majority of my business is a result of referrals from clients and Realtors that have done business with me in the past which speaks loudly about service that my team provides. CALL ME TODAY to see what options are available to you. I would love to hear from you! 314-398-7595

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    Andy Ward makes mortgage loans easy!  Come see the Loan Boss! Andy Ward makes mortgage loans easy! Come see the Loan Boss! Document Transcript

    • Why You Should Work With Andy Ward Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.netFHA loans will require an up-front mortgage insurance premium of 1.75% of the loan amount. Depending on the amount of the principal obligation of the loan in relation to the appraised property value, FHA loans are also subject to a monthly mortgage insurance premium that will range anywhere from 1.20% to 1.25%of the remaining insured principal balance. A funding fee is required on VA loans. If the down payment is less than 20% and based on the selected program and term of the loan, monthly mortgage insurance may be required. All approvals are subject to underwriting guidelines. Program rates, terms, and conditions are subject to change at any time. Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage. 121104592
    • Wintrust Mortgage:A HistoryIt has been my mission to not only guide our clients through their entire home buyingprocess, but to be as up-front and honest as possible so that they understand everythingfrom the beginning to the end and thereafter. I want my clients to feel confident as theymake choices about the many options available for their financing strategy. And knowthat I do not just disappear after closing. My team and I are there to assist every step ofthe way. You will hear it classified as your biggest investment, your biggest liability, but inreality it is your home. I want you to feel comfortable with the payment, and program youchoose, and understand how it works. As a Mortgage Consultant with Wintrust Mortgage,I have access to Numerous lenders with a wide array of programs. This allows us to becreative when the need arises; getting more people into homes. Much of my businessis from repeat customers and their referrals. I pride myself on this customer satisfactionthat has allowed my business to continue growing on its own so that I have the timeto concentrate on giving you the best service possible. On behalf of my team, we lookforward to working with you!Who We AreWintrust Mortgage is a Mortgage Banker – not a mortgage broker. This means ourcustomers never wait at closing for a wire. Wintrust Mortgage closes loans with its ownfunds. As a mortgage banker, we also make the underwriting decision in-house, and weprepare our own closing documents. More control over the entire process means betterservice. In brief, If you want something done right, you have to do it yourself.Wintrust Mortgage’s large volume means better rates. In 2010 we originated $3+ Billion,and last year we did $2+ Billion. This makes us one of the largest mortgage bankers inthe country. High volume means we can negotiate better rates for our customers. Byleveraging technology we offer our customers a better overall experience and a quickerapproval. We give our customers the option of applying online, by email, by mail or overthe phone. And once you’ve applied, you can check the status of your loan online. Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • CustomerServiceWe understand that you work hard to build a strongrelationship with your customers who may be speakingdirectly to us. That makes customer service our top priority. • Personalized service from application to closing and beyond • Residential lending • Competitive rates • Special first time home buyer programs • Free credit report consultation • A broad range of programs • Weekend and evening call coverage • Committed to delivering great service • We make the mortgage process simple Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • We Can CloseYour Next Deal Fast!Wintrust Mortgage is a Mortgage Banker,which means: • We provide our own funds at closing • On-staff underwriters for a faster turn around time • More competitive rates from multiple lenders • Lower closing costs • Our standard is a 95% Voicemail Free environment - this means we’re there when you need us • We are consumer advocates, and pride ourselves giving loan information in writing every time • Honesty is our standard Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • Give Your ClientsFinancial Power‑ Wintrust Mortgage can help!We have more options to give your clientsmore control over their finances: • Low Rates • 15, 30, 40 Year Amortizations • High LTVs • Non-Conventional Loans • Cash Out / Debt Consolidation • Jumbo Loans • Interest Only Payments • FHA/VA • Investment Property / 2nd Homes • First Time Home Buyers Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • Engineering Financial Solutions:FHA • Great first time buyer program • Minimal down payment (3.5%) • Gift Funds can be used for down payment • Flexible credit options • Great opportunity to refinance first and second mortgagesGive us a call today for more information on howyou can take advantage of our flexible programs. Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • Engineering Financial Solutions:Jumbo RatesAre Back!Jumbo & Super Jumbo Loans;amounts up to $2.5 millionWe have the programs and productsthat you need: • High LTVs • Jumbo Fixed Rate Loans • Various down payment options • Great for self-employed borrowers • Great rates • Friendly service Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • Let Us Help YourBusiness GrowBenefits: • Total Client Care - we understand that when you refer us as a lender, we are an extension of you and your business. As a lender that works on a referral basis only, you have our promise that your clients will always be treated in a courteous, honest and professional manner. • Professional service, fast approvals and pre-approvals • Commitment towards communication with both you and your clients • Seasoned and experienced staff • A broad range of programs and marketing support • Open house spreadsheets, Virtual Office Websites (VOWs) • And much, much more! Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.net Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592
    • The Power ofThe Brand Andy Ward Branch Manager NMLS# 603976 5650 Mexico Road, Ste. 2 St. Peters, MO 63376 Office: 314.275.1432 Cell: 314.398.7595 eFax: 855.722.6239 AWard@WintrustMortgage.com www.TheLoanBoss.netWintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank.Program rates, terms, and conditions are subject to change at any time. All approvals are subject tounderwriting guidelines. Wintrust NMLS# 449042 © 2012 Wintrust Mortgage 121104592