“Custom Loans Guiding You Home”

“Promote creative loan design to enhance financial freedom through real estate and homeownership” Lifestyle Mortgage’s Mission Statement:

Lifestyle Mortgage’s History President; Ryan Epper founded Lifestyle Mortgage, LLC in December 2003, to create a new avenue for his vision and talents. We at Lifestyle care about your business; that’s why since its opening only 2 years ago Lifestyle has grown. We have expanded our office with additional loan advisors from different avenues of the industry in order to keep up with the needs of our clients. President; Ryan Epper founded Lifestyle Mortgage, LLC in December 2003, to create a new avenue for his vision and talents. We at Lifestyle care about your business; that’s why since its opening only 2 years ago Lifestyle has grown. We have expanded our office with additional loan advisors from different avenues of the industry in order to keep up with the needs of our clients.

Ryan Epper Licensed Mortgage Broker President “Promoting Creative Loan Design & Creating Strong Relationships” Graduate of The University of Alabama with a degree in Marketing and Business Graduate of The University of Alabama with a degree in Marketing and Business Winner of the Elton B. Stevens award for entrepreneurship. Winner of the Elton B. Stevens award for entrepreneurship. A former officer of the American Marketing Association. A former officer of the American Marketing Association. Entered the Mortgage Business in 2001 where he quickly became a well respected loan advisor. Entered the Mortgage Business in 2001 where he quickly became a well respected loan advisor. Founded Lifestyle Mortgage in 2003 and has custom built it from the ground up. Founded Lifestyle Mortgage in 2003 and has custom built it from the ground up.

Rita Russell Personal Mortgage Advisor “Committed To Customer Satisfaction” Over a Decade of Customer Service Experience. Over a Decade of Customer Service Experience. Extensive Sales and Marketing Training Extensive Sales and Marketing Training Degree in Business Management and Human Resources Development. Degree in Business Management and Human Resources Development. Familiarity With Both Sub Prime and Prime Lending Programs. Familiarity With Both Sub Prime and Prime Lending Programs. Dedication to Finding Solutions for All Parties Involved in any Real Estate Transaction Dedication to Finding Solutions for All Parties Involved in any Real Estate Transaction

Joel M. Strayer Personal Mortgage Advisor “Creating Clients for Life.” 5 Years of Mortgage Branch Management & Processing. 5 Years of Mortgage Branch Management & Processing. Specializes In Creating “Out of the Box” Financing Solutions. Specializes In Creating “Out of the Box” Financing Solutions. Expert of Prime and Sub-Prime Guidelines. Expert of Prime and Sub-Prime Guidelines. Former File Manager for Fortune 500 company. Former File Manager for Fortune 500 company. Extensive Knowledge in Credit Reparation. Extensive Knowledge in Credit Reparation. Dedicated to Teaching People How to Achieve Their Goals of Financial Independence. Dedicated to Teaching People How to Achieve Their Goals of Financial Independence.

Top Ten Reasons to Use Lifestyle Mortgage  We are your home town lender. Achieve your dreams of home ownership. Achieve your dreams of home ownership. With over 200 Lenders we have access to the best rates and programs in the business. With over 200 Lenders we have access to the best rates and programs in the business. Let us teach you how to use your home as your most powerful financial tool. Let us teach you how to use your home as your most powerful financial tool. Consolidate your credit cards and other high interest loans under one low monthly payment. Consolidate your credit cards and other high interest loans under one low monthly payment. Reach your dreams of financial independence. Reach your dreams of financial independence. Receive a free credit/mortgage analysis from one of our Advisors. Receive a free credit/mortgage analysis from one of our Advisors.  We will use our knowledge of credit reparation to get your credit back on track.  Work together with our network of Financial Advisors, Real Estate Agents & Investors for the smoothest mortgage transaction in the area. We have a proven system that gets people through the loan process quickly and efficiently. We have a proven system that gets people through the loan process quickly and efficiently.

WOW goes beyond exceeding your client’s expectations. When you WOW a client, you actually surprise them with information, advice and total experience beyond what they ever expected. In the Internet Age you need to go beyond a win-win relationship, beyond value added service and beyond one-to-one relationships. You need to WOW clients with information, advice, and education with the goal of bettering their Lifestyle. This is our commitment to our clients. The Power of “ WOW ” :

Here are some programs that you may need:

Owner Occupied and Second Home Purchase Programs  100% New Purchase with 6% seller contribution, no cash reserves and no PMI with 560 middle score.  Fannie Mae 80/20 1 st and 2 nd with 580 middle score.  100% Stated income purchase loans.  No Doc Purchase loans up to 85%. 100% Financing with only one year since bankruptcy 100% Financing with only one year since bankruptcy

Cash Out, Rate Term & Debt Consolidation Refinance  Interest only arms with no Pre-payment Penalty.  Fannie Mae 80/10 Cash Out 1 st and 2 nd with 660 middle score. – avoids PMI  Fannie Mae 80/15 Rate Term Refinance with 660 middle score. – avoids PMI  % Cash Out refinance on primary residence.

Investment & Multiple Unit Purchase Programs  100% Non Owner Occupied Loans  100% Stated Non Owner Occupied Loans  100% Investment loans for 3 and 4 unit structures.  7 day seasoning for a quick property flip.

“Custom Loans Guiding You Home” We are Lifestyle Mortgage. “Committed To Customer Satisfaction” “Creating Clients for Life.” “Creative Loan Design and Strong Relationships”

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