1. Tim Braheem Loan Officer First Rate Financial Phone: 000-000-0000 Fax: 000-000-0000 TimB@FirstRateFinancialGP.com www.FirstRateFinancialGP.com

2. Marketing is about buying brain cells. Identify the need and solve it. Exclusive information. Everyone likes to get a good deal. Scarcity and a Call to Action. Know your prospect! © 2006 LTB II, LLC. 1. 2. 3. 4. 5. 6.

3. © 2006 LTB II, LLC. National Inventories are at a 6-yr high. The buyer's mentality has shifted dramatically in a short period of time. Heightened values on homes are making it unaffordable. Buyers need an excuse to pull the trigger. Exclusive financing will reduce needed price reductions. 1. 2. 3. 4. 5.

4. © 2006 LTB II, LLC. Typical Seller Incentive: “Seller is willing to pay 1.5% in discount points to buy-down interest rate.” Example Loan Amount: $481,500 Scenario # 1 6.5% at no points on a 30-YR Fixed $3043.40 Scenario # 2 6.125% at 1.5 points on a 30-YR Fixed $2925.64 TOTAL SAVINGS OF $117.55 a Month Seller Contributes $7,220.00!

5. © 2006 LTB II, LLC. Exclusive Financing Offer on THIS HOME ONLY! 2% Interest Rate Reduction for One Full Year And monthly savings of $603.00!* You must close by July 1st Loan provided by Tim Braheem at SPHL * Interest rate 4.50% for first year only, 6.5% for years 2-30, (APR X.XX%). Rates quoted as of 6/06/06; subject to change without notice. Available to buyers with excellent credit. Based on sales price of $535,000, 90% LTV fixed rate mortgage with 2% seller-contributed buydown. Monthly P&I payments for the first year only, $2,349.69; the buydown reduces the monthly payment by $603.71 in the first year of the loan. Offer valid only with seller’s preferred lender. Tim Braheem, First Rate Financial, Georgia Residential Mortgage Licensee No. 345-678, 123 Atlanta Boulevard, Atlanta, GA 30333 (770) 456-7890.

6. Marketing is about buying brain cells. Identify the need and solve it. Exclusive information. Everyone likes to get a good deal. Scarcity and a Call to Action. Know your prospect! © 2006 LTB II, LLC. 1. 2. 3. 4. 5. 6. Let’s Review the Rules of Marketing

7. © 2006 LTB II, LLC. $481,500 at 6.5% at 4.5% $3043.40 $2439.69 The difference is $603.71 per month! (for 12 months) $603.71 x 12 months is $7,244.52 We use Kirk’s $7,500 to buy the rate down for the first year and he has $255.00 left over! If you are a First Time Home Buyer with cash and market timing concerns, which of these two offers would excite you more?