How to buy a home with 1% down

1. The number one limitation to home ownership is the lack of available down payment funds. It is estimated that nearly 1 in every 4 or 25% of all homes sold in 2008 alone were with use of seller-funded DPA programs. Without those programs, it is estimated that as much as 40% of today’s potential homebuyers are excluded from the marketplace… Fact:

2. We are Proud to Introduce… The program that invites potential home buyers back into the marketplace! Just think of all the past homebuyers that you were previously unable to help and now can!

5. America’s Home Buyer Solution™ GIFT PROGRAM Where the Gift comes from From a network of qualified 501 3 (c) non-profit charities. They have established funds to help stimulate America’s Housing Market. The Lending Company is the exclusive lender to underwrite these FHA loans for this program. This is not a seller funded down payment program .

8. Underwriting Overlays * No Manual UW for this product 640-659 Fico Have DU A/Elig 1.0% down minimum 44% max DTI (regardless of any DU findings) 660-680 Fico Have DU A/Elig 1.0% down minimum 46% max DTI (regardless of any DU findings) Over-680 Fico Have DU A/Elig 1.0% down minimum Accepted DTI and findings from DU

10. America’s Home Buyer Solution™ GIFT PROGRAM Requires Home Buyer Education Fee is $60.00 - $75.00 with Book

11. America’s Home Buyer Solution™ GIFT PROGRAM Sales Techniques & Common Questions Q. I never heard of this before. How can you do it? A. This GIFT program fully complies with all existing federal and state laws and is investor approved. The Lending Company was instrumental in creating this program. Q. I already have the 3½% saved for a down payment, why would I do this? A. You may decide not to. For some it will be a lack of down payment and closing costs funds. For others it will be to save their cash for home improvements or furnishings. Maybe you want to keep your savings in other investment vehicles. Our responsibility is to offer you options so that you can choose the one that gives you the greatest peace of mind.

12. America’s Home Buyer Solution™ GIFT PROGRAM Sales Techniques and Common Questions Q. How does the rate compare to a standard FHA loan? A. With a lower down payment invested into the purchase, the investment community considers this a greater risk loan. The rate reflects this greater risk of default. In most cases it raises the monthly payment by only $40.00-$90.00 per month and with seller closing cost contribution, it can bring the rate back down. Q. Oh I’ve heard of that, what makes it so special? A. It is a very unique program and is only available today through The Lending Company. It is special because it offers an option to the 40% of the market that could not qualify due to a lack of down payment funds. Now they can qualify and become potential homeowners. Q. How did The Lending Company get the exclusive? A. Track record! We have a proven successful track record with both the non-profits and with H.U.D. In addition, we were instrumental in the development and creation of the program.

13. America’s Home Buyer Solution™ GIFT PROGRAM Sales Techniques and Common Questions Q. Can the loan officer I’m working with now at another company do this? A. No. America’s Home Buyer Solution was created by and is exclusive to The Lending Company, Inc. Q. Why should my seller pay up to 6% of buyer costs? A. To help sell their home faster and for a greater sales price. Offering a 1% down payment option will set their home apart from the competition. The typical price reduction used to help sell a home is much greater than the cost of the requested sales incentives.

15. The Lending Company Had it with Late Closings, extensions and lame excuses about Underwriting? 1. Rapid Underwriting Approvals 2. Expedited processes from beginning to end 3. Bi Lingual loan officers available 24/7 4. Not just 1 person but a team of dedicated professionals.

16. Questions? For additional information please feel free to call: Brian P. Rogerson / Mortgage Banker NMLS# 28721 480-236-8287 / www.TLCAPPROVED.com