Patti Kelly is a mortgage loan specialist at Patriot Bank Mortgage who has over 300 years of combined experience in the mortgage industry. She provides services like pre-approved loans, aligning mortgages with financial plans, and using mortgages to build wealth. Her services also include analysis reports and she monitors real-time market conditions to advise clients on locking in rates. She aims to help clients accomplish their financial goals through her expertise and customized mortgage strategies.

1. Patti Kelly Mortgage Loan Specialist 713-387-9521 Direct Line 713-820-9287 fax [email_address]

2. Our strategies, Code of Ethics and Professional Responsibility. We are qualified and equipped to implement mortgage solutions that help increase cash flow and real estate equity management as well as create strategies that help our clients accomplish their short and long term financial and investment goals. Built and Conserve Wealth Become Debt Free Sooner Achieve Financial Freedom

3. Our Services Issue a pre-approved loan for the financing that you can truly afford. Align your mortgage strategy with your overall financial plan. Show you how to use your mortgage as a financial instrument to build your net worth. Offer bilingual consulting

4. Analysis Reports; Rent Vs. Own Analysis Credit Score Analysis Personal Cash flow Analysis Budget Analysis Candlestick charts for real time pricing Loan Comparison Options Analysis

5. Japanese Candlesticks Analysis; This is a unit measurement for a daily activity of economic events that tracks mortgage back securities yields. It provides us with real time data that helps us understand when our client should float of lock their interest rate, based on current and forecasted market conditions. " Bonds received a boost higher this morning, but the improvement was halted by strong ceiling of resistance at the 200-Day Moving Average. Helping boost Bonds was the Initial Jobless Claims report, which came in higher than expected after a string of better-than-expected reports recently. The news was a bit sobering, showing the labor market remains weak. Also in the news, the volatile Philly Fed Index showed the first manufacturing increase in a year and the highest reading since November 2007. Currently, prices are facing tough ceilings of resistance. And with the Treasury Department's announcement this morning of next week's auctions, the risks of floating are greater than the rewards. Therefore, I recommend locking. I will continue to monitor the situation for you."

6. The cost to wait;

7. Asset Accumulation vs. Term Reduction

8. Rent vs. Own Analysis

9. Our Clients Testimonials; I've had the opportunity to work with Patti and gotten to know her and her family personally and can say that she has the highest standards and work ethic of anyone I know. I recommend her every chance I get and look forward to sending her any future business. David Monk” August 11, 2009 Top qualities: Great Results , Personable , Expert David Monk- Re/Max Realtor in Katy. hired Patti as a Financial Advisor in 2008 “ Patti is so wonderful to work with. The clients she sends us are always well informed, because Patti has taken the time to keep them up to date. I always get the information I need from her and never have to ask twice. I enjoy working on her files!” August 10, 2009 Megan Collins , Escrow Officer , Fidelity National Title was a consultant or contractor to Patti at Patriot Bank “ It was a pleasure working with Patti, she was always very informative and knowledgeable about her work throughout the whole transaction. I will definitely continue working with Patti and recommend her to my future clients.” August 10, 2009 Nelson Rovira , Realtor , The Houston Real Estate Group was with another company when working with Patti at JPMorgan Chase

10. “ Patti: was outstanding in providing information with my mortgage, very knowledgeable, punctual, consistent and very reliable, I will definitely trust her in the future.” August 10, 2009 Top qualities: Expert , On Time , High Integrity Lorenzo Argumedo Hired Patti as a Mortgage advisor. in 2009 Patti is one of the most intelligent people I have met. She is a pleasure to work with and would recommend to anyone. She will go far!” August 26, 2009 Michael Kelly , Internet Sales Manager , Champion Ford Gulf Freeway was with another company when working with Patti at Patriot Bank “ Patti was very helpful and informative during our recent home purchase. She was readily available, caring, willing to assist and returns calls even after working hours. She offered helpful tips every step of the way and insisted that we get the best for our money. We are very grateful for her help and will recommend her anytime.” August 27, 2009 Top qualities: Great Results , On Time , Creative Greg Ezeani Hired Patti as a Real Estate Agent in 2009 Our Clients Testimonials;

11. About Patti I am a dedicated individual who possesses excellent communication skills combined with a positive work ethic. I enjoy a good challenge and look at every obstacle with an intensely ambitious and creative outlook. While maintaining an efficient performance when under severe pressure in a fast paced atmosphere, I utilize my highly developed organizational skills to work effectively with buyers, sellers, realtors, title agents, insurance agents, attorneys, underwriters, account executives, co-workers, and countless others to accomplish the task at hand. My Vision; With my business concept, ethic and knowledge of the industry, I envision reaching out to as many people possible, to make a significant impact in their financial life. My mission; To commit to excellence in the trust and support of our partners, and service to our clients. This, through effective communication, outstanding teamwork, and integrity and loyalty within our operations. My Value; My experience, and knowledge of the industry, that enables me to guide my clients on how to maximize the benefits of a mortgage loan. How to chose, not the cheapest loan, but the right loan for them. While staying focused on the goal of maximizing the equity in their home, and minimizing the cost of the investment.

12. Experience Matters… Rely on a Patriot… Patriot Bank Mortgage knows the business better than anybody else. What's more important, we know you and we understand your mortgage planning needs. That’s why our staff of mortgage planners takes the time to find a home loan that is custom-tailored to fit you and your financial plans. We accomplish this by working right along side you from application to post closing. Simply put, it’s letting us give you what you want and what you need. OUR EXPERIENCE. YOUR INVESTMENT. PLANNED TOGETHER. Patriot Bank Mortgage has over 300 years combined experience in the mortgage industry. And with the experience and knowledge of our planners we have the resources and ability to find the best available rates and loans for your mortgage planning needs. In addition, we offer the best of the mortgage offering options from the nations top lending institutions. The advantage of only having bankers we employ only the most qualified professionals to assist our customers. By staying up-to-the-minute on current market trends, interest rates, and loan programs we put our customers interest first. Plus, we actively monitor real time monitoring of market conditions and mortgage backed securities to study the right time to float and the right time to lock. We search the market for the best rates and loan programs. Then, we customize your loan to your specific needs. Unlike traditional loan officers who try to fit you to a product, we integrate the loan you select into your overall long and short term financial & investment plans so we can minimize your taxes, improve cash flow and minimize interest expenses. WE DO MORE. SO YOU CAN HAVE MORE. Along with the experience and personal attention, we offer many loan types: WHATEVER YOU NEED, WE’RE HERE FOR YOU. From experience to resources, there is no limit to the ways Patriot can assist you. So, whether you are purchasing, constructing, consolidating your debt, investing, remodeling, or simply looking for counseling, we’re here for you. So call the Patriot Bank Mortgage 4 and ask to speak with Patti.