How Can We Grow In A Declining Market Could you use a little extra help in this housing market? Mike Goblet Certified Mortgage Planning Specialist 480-503-3533

Could you use a little extra help in this housing market?

What is happening Market conditions are very difficult Finding qualified buyers Buyers with enough down payment available Buyers with enough income to qualify Lender Restrictions are getting tougher High FICO demands Decreasing housing values for our market But Fannie Mae is removing “Declining Markets” Limits from their guidelines Financing options are tougher than have been in decades Are 100% Loans a thing of the past?

Market conditions are very difficult

Finding qualified buyers

Buyers with enough down payment available

Buyers with enough income to qualify

Lender Restrictions are getting tougher

High FICO demands

Decreasing housing values for our market

But Fannie Mae is removing “Declining Markets” Limits from their guidelines

Financing options are tougher than have been in decades

Are 100% Loans a thing of the past?

The Market Outlook Long Term … it is great! We have a good economy in Arizona Continued population growth forecasted We will remain a destination market The Short Term … a continued softening as result of excess inventory We need to use every tool we can get to survive!

Long Term … it is great!

We have a good economy in Arizona

Continued population growth forecasted

We will remain a destination market

The Short Term … a continued softening as result of excess inventory

We have a key tool that can help you qualify more buyers A True 100% Financing Loan!! A 3o Year Fixed Rate Mortgage with Low Conventional Rates No MI Keeps payments affordable Low to Moderate Income Qualifications Not FICO Driven 580 and maybe below Not Limited to First-time Homebuyers or Veterans 100% Government Backed

A True 100% Financing Loan!!

A 3o Year Fixed Rate Mortgage with Low Conventional Rates

No MI

Keeps payments affordable

Low to Moderate Income Qualifications

Not FICO Driven

580 and maybe below

Not Limited to First-time Homebuyers or Veterans

100% Government Backed

The Loan is the … USDA Rural Development Loan Designed specifically for outlying markets including such areas as: Queen Creek, Coolidge, Casa Grande, Maricopa Buckeye Payson Wickenburg Has been around for many years and is well established and well funded

Designed specifically for outlying markets including such areas as:

Queen Creek, Coolidge, Casa Grande, Maricopa

Buckeye

Payson

Wickenburg

Has been around for many years and is well established and well funded

Loan Limitations Loan Amount … No Limit! 2% Guarantee Fee rolled into the purchase price Income Maximum income limitations based upon county averages DTI = 29%/41% … but exceptions can be granted Primary Residences Only Type of Homes Single Family Duplexes Modular / Manufactured Condo’s Seller Concessions Based upon lender maximums

Loan Amount …

No Limit!

2% Guarantee Fee rolled into the purchase price

Income

Maximum income limitations based upon county averages

DTI = 29%/41% … but exceptions can be granted

Primary Residences Only

Type of Homes

Single Family

Duplexes

Modular / Manufactured

Condo’s

Seller Concessions

Based upon lender maximums

How do you get clients qualified? Limited number of participating lenders Have your clients call us and we will do a discovery interview to see if they qualify

Limited number of participating lenders

Have your clients call us and we will do a discovery interview to see if they qualify

About Us … United Mortgage Financial Group, Inc. is a member of the UpFront Mortgage Brokers Association 1 of only 7 in Arizona Disclose all our rates and fees in advance and will guarantee them Dedicated to the consumer’s complete understanding of the loan and the process I am a Certified Mortgage Planning Specialist (CMPS) Less than 1% of all mortgage brokers Advanced training in the use of a mortgage as an asset management tool

United Mortgage Financial Group, Inc. is a member of the UpFront Mortgage Brokers Association

1 of only 7 in Arizona

Disclose all our rates and fees in advance and will guarantee them

Dedicated to the consumer’s complete understanding of the loan and the process

I am a Certified Mortgage Planning Specialist (CMPS)

Less than 1% of all mortgage brokers

Advanced training in the use of a mortgage as an asset management tool

Strengthen your business today We have other Realtor support programs available to help your business Call Capture Program / Free Audio Tour Seminars Co-marketing Credit Counseling Let’s market to your data base of recent customer’s that didn’t qualify Add our programs to your current list of programs available for your business and potential customers

We have other Realtor support programs available to help your business

Call Capture Program / Free Audio Tour

Seminars

Co-marketing

Credit Counseling

Let’s market to your data base of recent customer’s that didn’t qualify

Add our programs to your current list of programs available for your business and potential customers

We look forward to the opportunity to earn your business 40 W. Baseline Rd Suite #110 Tempe, AZ 85283 Office Phone: 480-503-3533 Fax: 480-503-1211 Website: www.unitedmortgagefinancial.com Mike Goblet Certified Mortgage Planning Specialist