Making Home Ownership more Affordable.

1. AFFORDABLE
Homeownership
Could owning a home be within your reach?
Our flexible lending guidelines can help make affordable
homeownership possible. • HIGHLIGHTS
• Nontraditional credit
We could help you overcome obstacles to homeownership through our
may be overcome
affordable financing solutions for qualified borrowers with low-to-moderate
income who want to purchase or refinance a home. • Monetary gifts
accepted toward
With our affordable housing programs, borrowers may qualify with flexible down payment
credit history allowances and monetary gifts from family members to apply
toward a down payment. • Lower monthly
payments through
For more information, contact me today. extended terms
James Essen
Senior Loan Originator
651-653-9269 office direct
651-653-4953 fax
jessen@heartlandhl.com
www.heartlandhl.com/jessen
Maximum loan amounts may apply.
Equal Housing Lender. Some products may not be available in all states. Credit and collateral are subject to approval. This is not a commitment to
lend. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. 04-27-2009 PRGM-
12-08-1045.D AR72404