This is a presentation of The Arizona Home Buyers Solution

1. The number one limitation to home ownership is the lack of available down payment funds. Fact: In the State of Arizona in 2008, there were over 1,700 successful purchase transactions closed monthly usingseller-funded DPA’s. This represented nearly 1 in every 4 or 25% of all homes sold.

2. When these programs were taken away in October 2008, we lost 40% of our potential home buyers and prices have been declining ever since!

4. How many more homes will you sell?

7. This program is ideal for individuals and families looking to obtain quality affordable housing with as low as 1.0% down.

8. Even better news is – their portion of the down paymentcan be a gift from a family member!

11. Down payment requirements as low as 1.0%

12. Seller is encouraged to contribute up to 6% to be applied towards closing costs, rate buy downs andpre-paids.

13. Expanded Income Limits based on each AZ county (235% of HUD Median).

14. Competitive interest rates.

15. Flexible loan approval guidelines.

17. Condominiums (HUD Approved) ***must be owner occupied **no spot-approvals

19. Available Statewide in Arizona (only).

20. Loan amounts cannot exceed Max FHA County Loan Limit ($346,250 in Maricopa County). (Coconino $450,000), (Yavapai $390,000)

21. Gross Income cannot exceed 235% FHA Median Income Limits ($150,870 in Maricopa County).(Coconino $133,245), (Yavapai $118,675)

22. All borrowers Minimum Credit Score is 620.

23. Three trade lines, 12 months active (No 'Thin' credit).

25. Non-occupant co-borrowers allowed.

26. No Prepayment Penalties.

27. Permanent interest rate buy-downs are encouraged.

28. Need not be a first time home buyer.

30. ARIZONA HOME BUYER SOLUTIONS™ GIFT PROGRAMRequires Home Buyer Education Fee is $60.00 - $75.00 with Book Click here for registration form

32. Line 304 – Seller to contribute up to six percent (6%) of sales price towards buyer’s closing costs, points and/or pre-paids.

33. This is treated no differently than a gift from Mom and Dad!Note: The gift for the down payment would be disclosed the same as if that gift came from family and need not be in the contract. Again, this gift from FHR can also be combined with a gift from family. In many cases, this program could be combined with other state and city programs brought about by the various stimulus efforts as well.

34. ARIZONA HOME BUYER SOLUTIONS™ GIFT PROGRAMSales Techniques & Common Questions Q.I never heard of this before. Is it legal? How can you do it? A. This GIFT program fully complies with all existing federal and state laws and is investor approved. The Lending Company was instrumental in creating this program for the Arizona marketplace. Q.I already have the 3½% saved for a down payment, why would I do this? A. You may decide not to. For some it will be a lack of down payment and closing costs funds. For others it will be to save their cash for home improvements or furnishings. Maybe you want to keep your savings in other investment vehicles. Our responsibility is to offer you options so that you can choose the one that gives you the greatest peace of mind.

35. ARIZONA HOME BUYER SOLUTIONS™ GIFT PROGRAMSales Techniques and Common Questions Q.Why is the rate higher? A. With a lower down payment invested into the purchase, the investment community considers this a greater risk loan. The rate reflects this greater risk of default. In most cases it raises the monthly payment by only $40.00-$90.00 per month and with seller concession it can bring the rate back down. Q.Oh I’ve heard of that, what makes it so special? A. It is a very unique program and is only available today in the State of Arizona and only through The Lending Company. It is special because it offers the 40% of the market that could not qualify due to a lack of down payment funds. Now they can qualify and become potential homeowners. Q. How did The lending Company get the exclusive? A.Track record! TLC is the fastest growing Mortgage Banker in the Southwest. We have a proven successful track record with both Family Housing Resources and with H.U.D. In addition, we were instrumental in the development of the program.

36. ARIZONA HOME BUYER SOLUTIONS™ GIFT PROGRAMSales Techniques and Common Questions Q.Can the loan officer I’m working with now at another company do this? A. Only if they are interested in coming to work for The Lending Company (we are recruiting)! Otherwise, NO. This program will not be offered by any other lender or broker in the foreseeable future. Q.Why should my seller pay up to 6% seller concessions? A. To help sell their home faster and for a greater sales price. Offeringa 1% down payment option will set their home apart from the competition. The typical price reduction used to help sell a home is much greater than the cost of the requested sales incentives.

38. Post your Listings for Free.

39. Receive a Free Single Property Website.

40. Have your Property Syndicated Across the Internet.

41. Print out Promotional Flyers.

42. Promote Your Open Houses.

43. Receive 180 Day Free Home Sellers Home Warranty from Home Warranty of AmericaGo to: www.Houzoo.com

45. 18 x 6 Sign Riders with Call CaptureAnd don’t forget to Post in the MLS that:

46. ARIZONA HOME BUYER SOLUTIONS™ GIFT PROGRAMAvailable or Coming SoonMarketing Materials For Purchase Open House Banners Large 3’ x 8’ Vinyl Banners

47. The Lending Company Additional Programs and Benefits 1. In-House Processing, Underwriting and Funding. 2. Full EAGLE Direct Endorsed Lender for HUD/FHA/VA and direct underwriter for all Conventional loan programs. 3. Fully automated technology from origination through closing. 4. Custom search engine for instant rate comparisons of all national investors. 4. FHA 203K Remodel-Rehab Loans. 5. Full menu of Conventional and Jumbo loan programs. (including Home Path) 6. VA loans. 7. ADOH No Payment-No Interest 22% Stimulus seconds. USDA “Zero Down Prime Choice” Loan Program and More! Reverse Mortgages as well as RETIREZE Reverse Purchase

48. The Lending Company Had it with Late Closings, extensions and lame excuses about underwriting? 1. LSR’s using DU Approvals usually within 4 hours or less. 2. Underwriting Approvals within 48 hours or less 3. Funding usually in 3 weeks or less. 4. Bi Lingual loan officers available 24/7 4. Not just 1 person but a team of dedicated professionals.

50. $500.00 in Free Gas or Free Groceries for our borrowers for each closed loan.

51. The Estimator (Realtor tool report generator for professional presentations including Net Sheets, Payment Calculators, Loan Comparisons, Amortization schedules and more).

52. Home Benefit IQ Partnership – free employer benefits package that saves consumers money with discounts on all real estate and mortgage services.