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Why The Homebuyer Program ? The Program Helps Home Buyers: Qualify for homes by reducing the Debt to Income Ratio. Increases the buyer’s purchasing power for homeownership. Allows buyers to strengthen offers in competitive markets. Buyers can conserve their savings for other purposes. The HOMEBUYER Program helps Millennials and renters navigate the home buying market. The Baby Boomer generation can conserve savings on their home buying options. Why The Homebuyer Program ?

How Does HomeBuyer Work? At The Start We invest in the home by providing a portion of the down payment. During the partnership relationship. No interest or monthly payments. Reduces IMPACT on DTI. Homebuyer program allows up to 30 years with no monthly payments. At The End When the homeowner sells, we receive our original investment plus or minus a specified share of the change in the home’s value (Up OR Down). How Does HomeBuyer Work?

10% Unison 12.5% Unison The Homebuyer Program provides up to half of the down payment needed for a home purchase ! 10% Buyer 12.5% Buyer 80% Mortgage 75% Mortgage

Benefits The HomeBuyer History! How the Partnership works with the Homebuyer. Lower Monthly Payments and Increased Purchasing Power. Transaction Examples Qualify Properties for appreciation is required. There are Borrower Education Requirements that the homeowner. Benefits

Lower Monthly Payment 15 – 20% LOWER Smaller Loan Balance No Mortgage Insurance No Montly Payments Funds. LOWER MONTHLY PAYMENT Home value 90% loan plus mortgage insurance 80% loan with HomeBuyer Program Down Payment $300,000 $1,840 $1,520 $500,000 $3,060 $2,530 $700,000 $4,280 $3,540

When to help Home Buyers …Disappointed with the choices at their current price point. … Bidding on a multi-offer Purchases. …Difficulty qualifying for the home. …To Conserve Savings : Home improvements, College funds, Pensions or Retirement savings, Non-Liquid 401K’s. …Has 10% down but wants to avoid MI or a second mortgage loan. When to present the Home Buyer program ? When to help Home Buyers Loan Officer Blueprint for Success Webinar

The Homebuyer program requires the properties to be qualified. Talk with our product expert to schedule realtor and customer events. Next Steps