For real estate agents consideration

1. John Desmond Branch Manager infoonhsoa@gmail.com

3. Proud members of the American Banking Association

4. We’ve been in the banking business, helping homebuyers and homeowners achieve their dreams, since 1934

5. Member FDIC

6. Corporate headquarters are located in Little Falls, Minnesota

8. Ability to bank or broker all loans

9. Exceptionally low rates

11. Direct Fannie Mae seller – HSOA Direct

12. FHA/VA/USDA

13. Streamline 203(k) Renovation Loan

15. Loan size up to $1 million on 3-4 units (up to FNMA limitations).

16. 10-20 acre properties eligible.

17. No minimum number of trade lines to establish a score.

18. Income verification – per DU.

20. 90% LTV O/O purchase or rate-term refinance with 700 FICO (fixed rate)

21. 75% LTV O/O purchase with 680 FICO

22. 60% LTV O/O cashout with 740 FICO

23. DTI per DU findings (up to 45% for LTV>80%)

25. Cost is included in the interest rate, resulting in a lower monthly payment than other options

28. Homeowners wanting to refinance and update their existing home.

29. First-time homebuyerswanting to purchase a bank-ownedproperty in need of repairWith all of the bank-owned properties on the market, it’sgettingharder to securefinancing on thesewell-pricedhomes due to the amount of repairsneeded. Much of the time, banks will not fix theseissueswhichkillsyour sale.

31. Painting

32. Energy-Efficiency Updates

33. Electrical, Plumbing and HVAC Updates

34. Kitchen Remodeling

35. Finished Basements

36. Roofs, decks, porches, and patios

38. Closing costs can be included in the loan amount.

39. Relaxed Credit Guidelines (similar to FHA and VA).

40. No monthly PMI Insurance.

42. 640 FICO score required.

44. The home must be owner-occupied.