MORTGAGE MARKET PAST, PRESENT & FUTURE WHAT IT MEANS TO YOU. Your personal United Country Home Mortgage Team

Bringing you the Power of Partnership

Rates over the past 35 Years

Action Steps for Buyers  Look for down payment sources 100% financing programs have seen severe cutbacks  PMI: not so bad & possibly deductible  Get your credit in order  Get your docs in order Tax returns, bank statements, pay stubs

So what’s in it for you ?  Location, Location, Location  Partnership  Joint Marketing  Service Guarantee  Control  Communication

Multi Product Offerings  FHA & VA  Conventional/Conforming  USDA- rural development  True 100% fin.  Not just for first time home buyers  Jumbo/Super Jumbo

Can FHA help you sell more ? Not Fico score driven 3% down payment Down payment may be:  A gift from a family member  A gift from a not-for-profit organization  A loan from a family member  Seller paid closing cost allowed

FHA or VA “1st Step”  30 year fixed rate mortgage  Free 1st year, 1% reduced rate  29 remaining years fixed at note rate  Great incentive to potential buyers and sellers.  Not just for 1 st time buyers  VA 100% financing  No Buyers Ed classes required

The United Country Discount Receive.50% of the mortgage loan amount to be applied towards origination fees, discount points, closing costs or any combination thereof. The Maximum benefit is limited to.50% of the current Freddie/Fannie conforming loan limit. Currently at $417,000 giving a maximum discount of $2, Benefit applies to United Country employees and franchises. The benefit applies to primary residence and second homes only (purchase or refinance) and may only be used once in a 12 month period. Subject to change without notice.

Accurate Good Faith Estimates  We strive to give your customers the best service possible. In order to do that we could use your help. Just give us your preferred Title company's name and number and we will do the rest.  Yes, we also have a process which initiates appraiser approval with our lending partner US Bank.

Testimonials  “Two agents in our firm have recently used the new UC Home Mortgage program and they are very impressed. The level of service being provided has been outstanding! Keep up the great work!” Jason Patton Callao, VA  “I could not agree more. Excellent response time & service” Joshua K Reagor, Metropolis, IL  “I want to thank YOU!. The service to Kindra was fantastic(less than 2 weeks). In our area of Oklahoma that is unheard of. She was so pleased that not only did you provide quick service, she actually received a lower rate from when she first inquired. Start staffing up, you are going to need it:)” Mary Lou Woodward, OK  “Our R/T construction takeout permanent loan went as smooth as any loan I have seen done. Thank you for your hard work.”Steve & Constance Applegate Edgewater Reality Forsyth, MO  “The Mark W was tough borrower to get financed but you worked hard on this deal and finally closed it.”Cathy Hedden Cozart Reality Inc. Thayer, MO

FAQ  Do we get paid for referring customers?  Do you do unimproved land?  Do you do the loans that no one else will do?  Why would I send customers to you when I have a referral source in my home town?  How long does it take to get an approval?  How many acres will you do?  What do I need to do to get a customer to you?

Q uestion & A nswer Contact us at phone fax