Real Talk About Mortgages, a presentation to real estate buyers, sellers and the industry presented at the Greater Delray Beach Chamber of Commerce by Suzanne Morton of The Mortgage Firm.

1. Real Talk About Mortgages

2. Real Talk About Mortgages
 Introduction
 I believe in making ethical common-sense loans that benefit
Customer
 Real estate partners
 Our company


Twenty-two Years of Accountability

My clients have relied on my
 Professionalism
 Hard work
 Effective results in obtaining the financing they desire

3. Real Talk About Mortgages
 New Rules On

Qualified Mortgages

Ability to Repay

4. Real Talk About Mortgages
 Pre-Qualification
 Pre-Approval

5. Real Talk About Mortgages
 Credit
 With score of 640+

6. Real Talk About Mortgages
 Income
 Self-Employed
 OT
 Shift Differential

7. Real Talk About Mortgages
 Assets

95% Conv.

All Gift vs. FHA

8. Real Talk About Mortgages
 Loan Products
 Conv.
 FHA/VA
 Jumbo
 ($417,001)
 Foreign National

9. Real Talk About Mortgages
 Short Sales
 Foreclosures

10. Real Talk About Mortgages
 Customer Service 100%

11. Real Talk About Mortgages
 Go to:
 SuzanneMorton.com

Check list
 Contact