© 2009 Atova, Inc. All rights reserved. This document may contain proprietary and confidential information. This document and the information contained herein are not to be reproduced, disseminated, distributed or otherwise transferred without the express written permission of Atova, Inc. RENTING $600 Monthly Rent X 12 months = $7,200 rent per year $7,200 rent x 10 years = $72,000 rent over ten years Remember, renting does NOT provide you with any of the following benefits: Appreciation Principle paydown Income tax deductions Bottom line: You have WASTED $72,000 on rent and you have nothing to show for it. Owning versus Renting - Ten year sample comparison OWNING $175,000 home Compound appreciation at 6% per year Home value at end of 10 years = $313,398 Home value gain: + $138,398 Principle paydown $175,000 loan will be paid down to $146,450 after 10 years Home equity gain: + $28,550 Income Tax Savings: + $19,470 (15% bracket) Bottom line: You bought a home, made your mortgage payments, and now you have $186,418 in equity and tax savings!

© 2009 Atova, Inc. All rights reserved. This document may contain proprietary and confidential information. This document and the information contained herein are not to be reproduced, disseminated, distributed or otherwise transferred without the express written permission of Atova, Inc. I don’t have any money for a down payment. It used to be that a 20% down payment was needed in order to easily purchase a home. This is no longer the case. There are now many loan options that do not require any down payment. You do not need a down payment to buy a home. I don’t have any money for closing costs. Closing costs include items like escrow fees, title insurance, etc. To encourage home ownership, there are now several options which allow these costs to be rolled into your loan or even paid for by the seller. You do not need money to pay for closing costs. I have bad credit and can’t qualify for a loan. There are several government backed loans designed specifically for people with bad credit or no credit history. Additionally, the qualifying criteria for standard loans has been relaxed over time to accommodate first time home buyers. Qualifying for a loan is now something within your reach. You do not need good credit to buy a home. I can’t afford the payments. You are already paying rent. We should focus on the difference between your rent payment and your future mortgage payment. Let’s take a look at the numbers on the next page… I would like to buy a home, but I can’t right now because…

© 2009 Atova, Inc. All rights reserved. This document may contain proprietary and confidential information. This document and the information contained herein are not to be reproduced, disseminated, distributed or otherwise transferred without the express written permission of Atova, Inc. Can I afford the payments? $600 Rent vs. Buying a $175,000 home With no money down, the mortgage payment on this home would be about $1,190 per month, including Principle, Interest, Taxes and Insurance. However, as a homeowner you will be entitled to some very important tax benefits which can help make this payment more reasonable. If you are in the 15% tax bracket, there will be an estimated monthly income tax savings of about $162. You can actually have your paycheck withholdings reduced by this amount resulting in a bigger paycheck. I encourage you to talk with your tax person or visit to confirm the details! So, the monthly payment difference is about $428 each month, or about $14.00 a day. (1, – 600 = $428) Thus, the question you need to ask yourself is, can I afford an extra $14 per day to have $186,418 in ten years instead of having wasted $72,000. If you can’t afford this, then we should simply look for a less expensive home in a price range that has a payment that you can afford. The bottom line is that the benefits of home ownership are so impressive that IT IS WORTH YOUR TIME to identify your options and determine what you can afford!

© 2009 Atova, Inc. All rights reserved. This document may contain proprietary and confidential information. This document and the information contained herein are not to be reproduced, disseminated, distributed or otherwise transferred without the express written permission of Atova, Inc. What should I do next? 1) Identify your current status We have identified that down payment, closing costs, your credit score, and your payment amount are all items that we can manage. The next step is to identify your current status so we can identify your best options. A ten minute phone conversation is all that is needed. Call me now and let’s get started right away. 2) Plan for your next steps. When you’re ready, I’ll be ready. However, there is no hurry. Once I have helped you identify your options you can set the timeframe for us to begin looking for a home. My only goal is to help you to get on the path towards home ownership. Let’s work together to get you into a home of your own.