1. Things You Should Know About:

2. What is a HomePath home? A HomePath home is a foreclosed home in which Fannie Mae was/is the investor Fannie Mae’s goal is to sell these homes in a timely manner to help minimize the impact on the neighborhood A HomePath Home Loan provides funds to purchase a Fannie Mae property A home eligible for the HomePath financing MUST have the HomePath logo:

3. Benefits of a HomePath Loan Low down payment (can be savings, gift, grant) No Mortgage Insurance Expanded Seller Contributions

4. Plus… NO Appraisal required Available to owner occupied properties OR investors Can qualify with less than perfect credit Provides funds to purchase

5. How Do You Find a HomePath Home? Get Pre-Approved! You can apply at www.fidelitymtg.comwww.fidelitymtg.com Find out how much you qualify for Next, visit HomePath Go to www.homepath.com to see qualified homes in your desired areawww.homepath.com

6. Things to Remember… Things to Remember about Fannie Mae and HomePAth: Fannie Mae does not accept any offers until a property has been listed for at least 3 business days Fannie Mae Properties are only available to owner occupied and public entities for the first 15 days they are listed Investors can buy with 10% down No Mortgage Insurance!

7. CALL TODAY For more information about HomePath Loans OR to get pre-qualified, call: Grand Junction: 970-242-7000 Montrose: 970-252-7395 Steamboat Springs: 970-761-2245

8. COMPLIANCE Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 100 California Street Suite 1100, San Francisco, CA 94111-4561; NMLS ID#76988. Loans will be made or arranged pursuant to Departmentof Business Oversight California Finance Lenders Law License #605-3919; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act- #4150077; Arizona Mortgage Banker License #0910340; Hawaii Mortgage Loan Originator Company License #HI-76988; MBL-7852 Idaho Mortgage Lender Broker License; Montana Mortgage Lender License #76988; Nevada Mortgage Broker License #3918.; New Mexico Lender License #76988; Oregon Mortgage Lender License #4845; Texas SML Mortgage Banker Registration #76988; Utah DRE Mortgage Entity #7953347; Washington Consumer Loan License #CL-76988; NMLS ID#76988; Colorado Mortgage Company Registration #76988. Regulated by the Colorado Division of Real Estate. To check the license status of your CO mortgage broker, visit www.dora.state.co.us/real-estate/index.htm www.dora.state.co.us/real-estate/index.htm Texas Mortgage Banker Disclosure: http://bayeq.com/forms/linked-documents/Pursuant-1.pdfhttp://bayeq.com/forms/linked-documents/Pursuant-1.pdf NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988 BEHL-140401-7.0