1. Home Loans BY: ROBERT HILL

2. Agenda  Loan Process  Things to keep in mind when buying a home  Choosing a Lender  Types of Loans  Medical Resident Program at Landmark Bank

3. Loan process  Pre approval  Find a lender you are comfortable working with  Fill out an application, very easy to do online  Find a house  Search for a House with your realtor.  Sign a contract and send to the lender  Schedule inspections

4. Loan Process  Get back in touch with your lender  Update application with current information and sales price  Submit credit documentation  Start looking for homeowner’s insurance  Lender duties  Order appraisal & flood certification  Review information and documentation for accuracy

5. Loan Process  After appraisal and Review  If additional information or documentation is needed we will get back in contact ASAP  Send figures for final cash due at closing 1 week prior to your closing date  Closing  Sign final documents and hand over cash to close  Enjoy your new home

6. Things to keep in mind when buying a home  Your credit reputation plays a big roll in our decision to approve your loan  Don’t…  Rack up credit card debt  Don’t buy a vehicle  No abnormally large deposits

7. Choosing a Lender  Find a lender your are comfortable with and trust  Compare rates and fees  You will be in constant contact for 30 days or more so it is important to have a good relationship

8. Types of Loans  Conventonal  USDA  FHA  VA  Construction

9. Med Resident Program at Landmark Bank  100% Financing  No PMI  For properties in Columbia, MO in the $150,000-250,000 price range  5/1 ARM

10. Contact Information Robert Hill Real Estate Lending Officer Landmark Bank Phone: (573) 499-7314 Fax: (573) 445-5727 www.landmarkbank.com robert.hill@landmarkbank.com