Note: This brochure is designed to be printed. You should test print on regular paper to ensure proper positioning before printing on card stock. You may need to uncheck Scale to Fit Paper in the Print dialog (in the Full Page Slides dropdown). Check your printer instructions to print double-sided pages. To change images on this slide, select a picture and delete it. Then click the Insert Picture icon in the placeholder to insert your own image. To change the logo to your own, right- click the picture “replace with LOGO” and choose Change Picture. From denied to QUALIFIED! Credit issues do not discriminate. Low, middle and high income earners can all suffer with dinged credit for a number of reasons. Divorce often leaves accounts unpaid and sent to collections. Medical bills can slip through the cracks due to insurance billing mistakes or the inability to pay for unexpected health care costs. Temporary job loss or additional expenses can cause late payment history. These items are often the result of circumstances which are temporary, it doesn’t mean you are a deadbeat borrower, but you’re left with marks on your credit which make you appear to be a high risk to a lender. Your score may even be so low that you don’t qualify at all. Contact Us Tre’ Henslee Strategic Loan Preparation President of Sales and Marketing Phone: STRATEGIC LOAN PREPARATION Making the right move toward home ownership The Need: Traditional Options – A Dead End: Credit repair is a process in which a company sends out mass, generic dispute letters to the credit bureaus on the client’s behalf in an effort to remove negative information and boost their credit scores. These processes often times not only are completely ineffective, but also cause clients to be denied for home loans. Dispute letters will leave an “in dispute” notation on the client’s credit file. This notation alone will almost certainly disqualify a potential borrower for home loan because most lenders view this as a red flag that says the credit file and score are inaccurate or skewed. Credit repair is not the answer.

Note: This brochure is designed to be printed. You should test print on regular paper to ensure proper positioning before printing on card stock. You may need to uncheck Scale to Fit Paper in the Print dialog (in the Full Page Slides dropdown). Check your printer instructions to print double-sided pages. To change images on this slide, select a picture and delete it. Then click the Insert Picture icon in the placeholder to insert your own image. To change the logo to your own, right- click the picture “replace with LOGO” and choose Change Picture. Loan Preparation:  Counsel the client, educating them on each facet of becoming a home owner.  Monitor the client’s credit file for accountability and direction.  Achieve an accurate, verifiable credit report to ensure the score is the best it can be. Budget and Credit Counseling: A complete review of each client’s finances - including an analysis of expenses, debts, income, savings and other credit obligations - as a method of focusing on the goal of affordability for the specific home they have committed to will be done initially and throughout the program. Strategic Loan Preparation’s credit counselors will engage with each client to educate them on the importance credit plays in home buying process. More Than Credit: Debt to income ratio, credit utilization rate, sourced and seasoned funds, provable income, proper tax filings and more are areas of concern for borrowers. Strategic Loan Preparation sessions will also address these areas and how the various loan programs compare. We will also provide the interface with creditors and the credit bureau to address credit anomalies and keep the credit report in sync with current lender guidelines. Guidance: Strategic Loan Preparation will provide a customized detail schedule to each client outlining their “Purchase Goal” including a purchase goal date. Our plan of action will start from that goal date backwards to where the client currently is (post assessment), and provide a detail plan, the guidance and resources to modify unwise financial behavior to those of successful home owners. Cost of Services: Strategic Loan Preparation fee is highly competitive with traditional credit repair and we have payment plans available. The fee includes the following: Credit monitoring, counseling and repair where needed, keeping clients on task with debt management, savings and budget commitments for up to 36 months. This small investment ensures that each client graduates to home ownership. Call us for a free consultation today! Strategic Loan Preparation aims to: Our program and approach is unique in that it is designed to usher the client directly into home ownership in the designated time frame keeping in mind the need for each client. Our program is geared to have the client qualify for a mortgage within 3-6 months with continuing counseling and monitoring. The Difference: The Program: Strategic Loan Preparation will assist each client to focus their collective financial efforts toward the instituting of processes and benchmarks for ensuring that the clients are loan ready in the planned timeframe. This approach will consist of multiple sessions with our HUD certified counselors and advisors and cover topics specific to the home buying process