Why Buy Instead of Rent? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

Owning Can Cost Less Than Renting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

What is a Mortgage? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

What Does My Mortgage Payment Include? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

Mortgage Payment Breakdown . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

The Real Costs of Homeownership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

How Do I Qualify For a Mortgage? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

How Much Money Can I Borrow? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

How Important Is My Credit? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

How Much Do I Need for a Down Payment? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Creative Ways To Save . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Finding Funds In Surprising Places . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

Ways To Make A Home More Attainable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

What About Closing Costs? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

What Kinds of Mortgages Are Available? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Are There Any Tips to Consider When Loan Shopping? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

Choosing The Right Real Estate Agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Make Your Wish List . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Choose A Neighborhood . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Choosing The Right Lender . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Get An Edge – Get Preapproved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Completing The Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

Loan Approval . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15

What Happens Next? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

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Buying a home is part of the American dream. It is a significant long-term investment that often represents

the foundation of our lives, providing financial and emotional security. It is one of the smartest and, over

the long term, most secure investments you can make. It can also be one of the most doable, whether you

have a lot of money in the bank or not.

Our home mortgage consultants are trained to work with you on making an investment in your home. We

can help you put your home at the heart of your financial well-being. It’s not just about money. Few things

in life compare with the pride and satisfaction you get from owning your own home. Perhaps you come

from a long line of homeowners. Or maybe you’re the first in your family to ever be one. Either way, a

home can be the foundation for a lifetime of memories. It may even become a family treasure to be passed

down over the years — one that preserves family history and provides your heirs with a welcome sense of

financial security. That’s why we believe it’s so important to choose a home and a mortgage that are well

suited to your needs.

This guide is designed to help you learn about the home buying process, so that you can make informed

decisions. But you don’t have to do it alone. We are here to help. It is a good idea for you to understand

your mortgage options and how much they may cost so you can make an educated decision about the home

financing package that best fits your needs. We specialize in tailoring our home financing packages to your

short- and long-term goals, and ensuring that your financing fits with your unique financial picture. We’ll

be pleased to work with you and the real estate, financial and building professionals of your choice to make

sure finding and financing a home is a friendly and rewarding experience.

Decades after the phrase “the American dream” was first coined, homeownership is still a meaningful goal

for a large number of individuals and families. Buying a home is considered by many to be a wise investment

because typically houses increase in value over time. And, as the years go by, you can build ownership

interest, called equity, which you may be able to borrow against if you choose. In contrast to renters, most

homeowners receive significant tax breaks, because interest paid on a home mortgage is almost always tax

deductible. You will want to consult your tax advisor regarding deductibility of interest. Finally, there’s the

personal satisfaction of having a home you can call your own to share and enjoy with friends and family.

Renting certainly has some advantages over owning. If you need to move frequently, if you’re not at a stage

of your life where you want to commit to the responsibilities or costs of maintaining a home, or if your

future income is extremely uncertain, renting may be the best option. Just don’t assume that renting is less

expensive than owning. A monthly mortgage payment is often lower than the monthly rent on a much

smaller property. Owning your own home is like having a savings account that you can live in. Every

month, the payment you make on your mortgage adds to the equity you have in your home and makes your

home asset a more valuable part of your portfolio. Money paid for rent simply evaporates each month.

Plus, research has shown that real estate has proven to deliver a highly reliable increase in value compared

to other types of investing. If you’re renting, those reliable returns are going into your landlord’s pocket, not

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1. Consult your tax advisor for details.

A mortgage is a loan secured by real estate. In other words, in return for the funds necessary to purchase a

home, a lender like us gets your promise to pay back the funds over a certain period at a certain cost.

Backing your promise to repay is the property. Should you default, or stop paying, the loan, the lender

would take over ownership of that property. Typically, the repayment of a mortgage occurs through

monthly payments.

Usually, your monthly mortgage payment is made up of four parts: principal, interest, taxes and insurance

(PITI), but it can also include maintenance expenses, such as condominium homeowners’ association dues.

The principal is the amount in your monthly payment that reduces the original amount borrowed. Over

the life of a standard mortgage loan, the entire original amount borrowed is generally scheduled to be fully

paid off, or amortized. The interest rate is the fee charged to borrow the outstanding balance for the past

month. In addition, a monthly amount may be collected and held in a separate escrow account to cover

property taxes, homeowner’s insurance and mortgage insurance. Your lender uses the money in the escrow

account to pay your tax and insurance bills, as they come due.

Principal + Interest + Taxes + Insurance = PITI

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2. Consult your tax advisor for details.

Homeownership has some wonderful advantages. But there are some additional costs involved that you

may not incur as a renter. Make sure you consider these in your monthly budget before you decide to

become a homeowner.

In general, all lenders use the same four basic standards to approve applicants for a mortgage. Different

mortgage products have varying guidelines within those standards. The lender looks at what is referred

to as the “the four C’s”: capacity, character, capital and collateral.

Do you have steady and sufficient income to make the monthly payments? This income can come from a

primary, second, or part-time job(s), overtime and bonuses, commissions, self-employment, retirement benefits,

pensions and annuities, public assistance, child support, alimony or maintenance payments, veterans

benefits, disability payments or rental property income. In most cases, you need to provide documentation

regarding your income. Alimony and child support need not be noted unless you want to have them

included as the basis for repayment of the debt.

Have you paid back money you borrowed in the past? Have you been late in making your payments?

Have you filed for bankruptcy? Do you have a record of judgments and collection accounts filed? Some

lenders, like us, offer special products for homebuyers with past credit problems. If you have a limited or

no credit history, a “nontraditional” credit history will be considered. You may need to show paid receipts

and canceled checks for rent and utility payments that document a pattern of paying your monthly obligations

on time.

Have you saved any money that can be used toward the purchase of your home? The savings can be

money in a savings account, certificate of deposit, retirement [401(k)] account, or a gift from a relative or

friend. A lender wants to see that you have the capital to fulfill your current obligations as well as your

new mortgage. Ideally, you should have enough savings to act as a source of funds for your down payment

and several months of reserve funds to cover your anticipated monthly mortgage payments should anything

happen to you or your job.

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1. Restrictions may apply.

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Your lender will require an appraisal on your home to determine its market value in comparison to similar

houses that sold recently in the neighborhood. Your lender will also look at the type of the property and

whether there are additional fees such as homeowner’s association dues. If you’d like to be preapproved

for a mortgage loan, you do not need to have a property in mind. Before you being working with a real

estate agent or builder, ask your home mortgage consultant about getting preapproved. It is a smart move

for serious homebuyers because it shows sellers that you come to the negotiating table ready to complete

the transaction.

To answer that question, lenders look at all the elements that make up your financial profile, including

your credit history, the cash you have available for a down payment and closing costs, your income and

your existing debt and financial obligations. Then, taking the current market interest rate into account, a

lender can give you an estimate of the maximum mortgage amount you can borrow. By adding your maximum

mortgage amount to the funds you plan to use for your down payment, you will know your home

purchase price range. Speak with a home mortgage consultant who can help you get an estimated mortgage

amount.

Two general guidelines are used by lenders to determine the loan amount for which you may qualify.

Based on your individual financial profile, these guidelines ensure that your housing expenses and debt

payments don’t take up too much of your income. These guidelines can help you remain inside your financial

comfort zone after you buy a home.

The first guideline, known as the housing expense-to-income ratio (or front-end ratio), compares your proposed

monthly house payment (PITI) to your total household gross monthly income. The second guideline,

known as the debt-to-income ratio (or back-end ratio), compares your anticipated monthly housing payment

to your gross (pre-taxed) monthly earnings and your monthly debt requirements. Monthly debt

includes expenses such as credit cards, car loans, student loans, consumer loans plus other financial obligations

such as child support and alimony.

Your home mortgage consultant can help you get a better idea of the maximum mortgage amount that you

can qualify for. Depending on your financial profile and the mortgage program you choose, your consultant

may use standard or flexible ratios as a part of the qualifying process. Once you have this maximum

figure, it’s up to you to decide if this is the right amount for you, or if you would feel more comfortable

with a smaller mortgage and a lower monthly payment.

Your credit report is an important consideration to lenders reviewing your financial profile. If you have a

history of paying your monthly obligations on time, that’s a signal to a lender that you are likely to make

your monthly mortgage payments on time as well. So your credit can be a factor in the kind of mortgage

program you may qualify for.

Your credit history can also affect the amount required for a down

payment, the amount of money you can borrow in relation to your income, and the interest rate you are

offered. But keep in mind that even if you have no established credit history or less-than-perfect credit,

there are still loan programs that can help you buy a home.

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Here are some steps you can take to establish or improve your credit rating:

Owning your own home...it’s one of the greatest achievements in life. But while homeownership is a dream

many Americans share, a lot of us find saving for the down payment to be a major hurdle. Others have

money available through things like 401(k) accounts and mutual funds, but don’t feel right dipping into

those investments. If you fall into one of these two groups, we have good news for you. Today, there are

many options allowing you to purchase a home with little money down.

In the past, saving money for a down payment on a home was often the largest obstacle to homeownership

with lenders requiring a minimum of a 20% down payment. But today’s flexible home loan programs

make this issue less of a challenge, with some programs allowing you to put very little down. Some

homebuyers may even be eligible for local down payment assistance programs. If one is available in your

area, your home mortgage consultant can give you further details. If you decide to use less than a 20%

down payment, your lender may require Private Mortgage Insurance (PMI). These insurance programs

protect the lender in the event you do not fulfill your commitment to repay the mortgage.

While low money down payment options may make homebuying more accessible, it’s still a good idea to

have some savings you can bring to the table. Having some funds on hand is also helpful in covering closing

costs, any work your property may need, or unforeseen expenses that may come along. Here are several

suggestions to help build the size of your funds reserves.

The most common sources for a down payment are personal savings accounts and traditional investments,

but there are several other places that can supply part or all of your down payment.

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3. Consult your tax advisor for details.

If you’ve gone through your budget process and feel that you can’t purchase what you want,there are some

other things you can do to make getting a home more attainable.

The cost of buying a home is more than just the purchase price. Each homebuying transaction requires the

services of a large number of professionals from a variety of fields. It’s common for these costs to add up

to between 3% and 5% of your total mortgage. When you choose to work with a lender, your home mortgage

consultant will give you a Good Faith Estimate of your closing costs shortly after you apply. While it

is only an estimate, it can help you budget for your closing. We can also work with you to include your

closing costs in your loan amount to reduce the amount of out-of-pocket money involved.

The amount you pay in closing costs varies among lenders, mortgage products and localities. The closing

cost fees generally fall into one of three categories: out-of-pocket expenses, pre-paid items and points.

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ments, while reassuring the lender that tax and insurance payments are always up to date. Using an escrow

account can be an option, but is a requirement with less than a 20% down payment.

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It’s also a good idea to gain a basic understanding of the kinds of home mortgages that are available. As

you review the list, keep in mind that these categories widely overlap — for example, we provide

adjustable-rate FHA loans and fixed-rate jumbo mortgages. As your advisor through the mortgage process,

your home mortgage consultant can help you determine the right loan to fit your needs and design a custom

financing solution for you.

We offer a full range of standard home loan programs, with a variety of rate, term and cost options to

answer individual homebuyer needs. We also offer programs for those with less-than perfect credit histories

and difficult-to-document income. In addition, we offer exclusive programs that provide special

options, services and conveniences. These programs include specialized options for homes that require renovation

and new construction financing. Your home mortgage consultant can recommend the financing

solution that’s exactly right for you.

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1. Restrictions may apply.

When you’re comparing mortgage rates and programs, the following information can come in handy.

When inquiring about rates, be sure to ask if the quoted interest rate reflects payment of points. Many

loan programs allow you to receive a discounted interest rate by paying a fee in points or origination fees.

One point equals 1% of the loan amount, and the more points you can or wish to pay, the more you can

lower your rate. Paying points is not a requirement; it’s just an option that lenders offer to accommodate

the immediate or long-term monthly payment concerns of home mortgage customers. We typically quote

rates with 1 total point (zero discount points and one origination point).

When you’re shopping for a home mortgage, make sure you ask lenders for the annual percentage rate

(APR) as well as the interest rate, so you compare it accurately to other available mortgage rates. In addition

to the interest rate (which determines the amount of your monthly payment), the APR adds in the

other costs required to make the loan to determine your loan’s total finance charge, expressed as a percentage

over the scheduled life of your loan. After you apply for your mortgage, you will receive a Truth-in-

Lending Statement. Homebuyers often find this document confusing because it states the APR only, and

not the interest rate.

30-Year Fixed-Rate Mortgage 7.000% 1 7.170% $964.69

30-Year Fixed-Rate Mortgage 6.875% 3 7.249% $952.55

This chart is for illustrative purposes only. It assumes $1,000 in additional finance costs, a $145,000 loan,

and a 20% down payment. Monthly principal and interest payments would be $964.69 and $952.55

respectively. Certain closing costs may be charged that are not included in this calculation. Actual rates

vary depending on current market conditions, applicant’s credit data, mortgage program and the type of

property being financed. The APR reflects the true cost of a mortgage loan over its full scheduled term as a

yearly rate because, in addition to the rate of interest charged on the loan, it includes certain other prepaid

finance charges. These charges may include, but are not limited to, origination fees, loan discount points,

private mortgage insurance premiums and the estimated interest, prorated from closing date to month end.

In this example, the loan with lower interest rate would be more expensive option when the total points

are also considered.

A lock gives you a specified period of time — from 30 to 120 days — of protection from financial market

fluctuations in interest rates by setting the range of pricing available to you. Your rate may still be affected

by changes in the loan’s characteristics (for example, if you choose to pay fewer points or make a smaller

down payment) or in your credit profile.

If you choose to float your pricing, then your rate will fluctuate with the market. The benefit to floating is

that you would have the option of locking at a lower level if rates should interest rates decrease. The risk,

of course, is that you would face a higher interest rate should interest rates rise before you lock. Generally,

you’ll be able to lock once you have found a property and as late as up to five days before closing. We also

offer programs that allow you to lock pricing before finding a property.

When you lock, make sure the lock period allows enough time for your loan to be processed. If your lock

period expires before you’re ready to take ownership of the house, your loan pricing may be adjusted to

reflect current market conditions. Some loan programs allow a one-time float down option that can be

used during the rate lock period. The one-time float down allows you

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to seek a lower rate should rates drop while your loan is locked, if you qualify. No one knows if rates will

rise or fall, so it’s impossible for a home mortgage consultant to tell you whether or not you should lock

or float your loan. The decision is yours. If you are looking to build your home, we provide the ability to

lock your pricing for up to 12 months to accommodate lengthy construction time frames. You can also get

this extended lock with an option to re-set your interest rate once during the rate-lock period, provided

you qualify at the time you seek the new rate.

Real estate agents make it their business to know everything about communities and the homes within

them. A good real estate agent can:

• Establish what you want in a home. Communicating your desires is essential to helping your real

estate agent find you the right home.

• Search the Multiple Listing Service (MLS) and other resources for homes that match your needs.

• Show you appropriate homes.

• Provide valuable information on communities, comparable values of neighboring homes, tax rates, and

building code regulations.

• Help you formulate an offer on the home you want to buy.

• Act as an intermediary between you and the seller, smoothing the negotiating process.

Choose your agent carefully. Note the names of agents on “For Sale” signs as you drive through neighborhoods

of interest. Ask anyone you can for referrals — including your home mortgage consultant. That

consultant works with real estate agents every day, so he or she will be able to provide you with a list of

qualified candidates. Check the Internet sites of local realty companies, too. When you’ve got a good list

of names, interview at least two or three of the agents. In addition to having experience in the area where

you hope to buy your home, the agent you choose should be trustworthy and easy to talk to. Tell them

what you’re interested in and ask if they can provide some additional information about area schools,

taxes, or some other special interest. Then see how quickly they respond and how accurately they follow

your request. Once you’ve selected an agent, stick with that agent even when you’re looking at homes listed

by other agencies. A good agent will make it his or her business to be familiar with all the listings in

your chosen area. Contacting a different real estate agent simply because you’re attracted to a listing of

theirs is counterproductive when you’ve built a level of familiarity and trust with your selected agent.

4. A non-refundable closing cost commitment deposit will be required for a lock ranging from

3 months to 12 months on qualified products. An extended lock/commitment fee may be

required for a lock ranging from 4 months to 12 months on qualified products. Due to daily

pricing variations between products, you are encouraged to work with your home mortgage

consultant to ensure that pricing available on the Builder Best® lock feature that you choose is

the most advantageously priced Builder Best lock feature for you.

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Once you know a comfortable price range, put together a wish list of the things that are most important to

have in your home. We’ve included a sample house-tour checklist toward the back of this guide to help you

get started. When you’ve completed your list, rank the items in order of importance. Be sure to cover your

basic needs then include any strong preferences you have about things like the style of home you want and

the type of exterior finish you prefer. If you absolutely don’t like the flow of ranch style houses or the size

of rooms in Tudors, make a note of it. Your edited wish list will make it much easier for a real estate agent

to find the perfect house for you.

Location is an extremely important factor in determining your long-term happiness with your new home.

The right real estate agent should be able to give you a lot of information in this area.

Here are a few things to think about, so you’ll be able to discuss them with your agent.

• Do the schools meet my needs?

• Is the commute time acceptable?

• Are there good public recreation areas nearby?

• Will I like the nearby grocery stores and services? Am I willing to drive out of my way regularly if I don’t?

• Is the neighborhood stable? Is there sufficient improvement happening around it? If homes are being well

maintained and renovated it’s a good sign the area is stable.

• What trends are occurring in neighboring areas? Is there revitalization happening or are they experiencing

a downturn? Neighborhoods transition, that’s only natural. What you need to do is select an area where

positive transition is the most likely possibility.

Whether you’re all set to buy or just trying to figure out what you can buy, choosing a lender who listens

carefully, has the right products for your needs, responds promptly, and treats you with respect is critical.

Our home mortgage consultants are trained to ask questions that will give them a clear picture of both your

current needs and future goals. They can help you customize a home financing program that will not only

help you buy a home now, but one that can also start you on the road to overall financial success.

We help homebuyers every day in making the right choices for their home financing needs. Our home

financing professionals work with one of the broadest selections of products and services in the industry. In

addition to all the conventional financing options, we offer special programs that overcome obstacles like

credit issues, hard-to-document income, and lack of savings. Whatever your financial profile, we can help

you capitalize on purchase opportunities through faster approvals, higher loan-to-value (LTV) ratios, and

streamlined processing.

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Before you begin searching for a home, we highly recommend you ask your home mortgage consultant

about preapproval. By completing your mortgage application prior to choosing a home, you can get a

preapproval letter that lets you know how much home you can qualify for. Getting this preapproval letter

is a smart move because it lets you know exactly how much you can spend, and shows prospective sellers

and real estate agents that you’re a serious buyer. In addition, many sellers will require a preapproval letter

prior to reviewing an offer. So lining up your financing ahead of time will help you get your offer in quickly

in hot real estate markets.

form. Much of the information on your application can be pre-filled from your credit report, so the

amount of information you’ll need to provide is not overwhelming. Your home mortgage consultant can

tell you what you’ll need to have on hand to complete the application.

There are generally six areas that must be filled in:

Full names, addresses, and Social Security numbers of all borrowers.

The amount and source(s) of income for all borrowers.

Information on all assets you’ll be using to qualify for the loan, such as checking and savings accounts,

stocks and bonds, retirement plans, and other real estate owned.

Information on all outstanding debts and other financial obligations.

Information concerning loans or debts that have been paid, plus any other references to good credit

use.

Specifics on the property you wish to buy, if you’ve chosen one.

After you’ve completed the application, your lender will need to verify the information you provided and

return a decision on your application. This means your lender will review your credit report and other

financial information to make an underwriting decision regarding the degree of risk involved in lending

you money. If there are any initial questions about your approval decision, the loan application is forwarded

to a trained underwriting expert for a full review. We will work with you to offer, if possible, a loan

program or loan terms that accommodate your needs and circumstances. We want to provide mortgage

financing options that meet your individual needs.

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Based on the information from your credit report and the type of property you want to finance, you may

need to provide additional documents or letters that:

• Verify the income you’ll use for loan qualification

• Confirm your down payment and closing expenses in your

bank account

• Clarify any incorrect items on your credit report

• Verify any debts not listed on your credit report

You’ve applied for your mortgage. Now what? This simple, four-step walk through to loan closing will

help you understand the procedure and give you an idea of what to expect.

Your home mortgage consultant or mortgage specialist collects the information needed to process your

loan. Documentation requirements vary depending on the loan program you apply for and your individual

financial and credit profile. If your property does not qualify for an automated valuation or drive-by

assessment, an appraisal will be ordered to determine the fair market value of the property you wish to

purchase. You will have the option to lock in your interest rate or float your interest rate. It is important

to discuss these options with your home mortgage consultant.

Many home mortgage applications are approved quickly. On occasion, loan applications need further

review. We will evaluate your financing requirements and do everything possible to help approve your

application. In the case that your application is not approved, we’ll work with you to determine what

needs to be done in order for you to obtain financing.

Prior to closing, sometimes referred to as “loan settlement,” your home mortgage consultant may ask you

to provide certain insurance and real-estate-related documents. There are two types of title insurance: one

protects the lender, the other protects the borrower from claims against your ownership of the property.

Such claims might be made by undisclosed spouses, heirs of previous owners, creditors holding liens

against previous owners, or other parties. Your lender will most likely require you to purchase a title policy,

which will cover their interest in the property. It’s up to you if you would like to purchase a policy to

protect your interest in the home. Your home mortgage consultant will be able to recommend a title insurance

company who can provide you with additional information about the policies available in your area.

When you are ready to schedule your closing date, all involved parties will be contacted to arrange for the

closing to take place at a convenient time and location. The closing procedure and associated fees vary

depending on where you purchase. You will be notified of the exact amount you need in order to close

and any additional documents you may need to bring.

At your closing, ownership of the property is transferred from the seller to you. A closing agent (an

attorney of your choice or a title agency representative, depending on what is customary in your area)

coordinates and distributes all the paperwork and funds, according to the terms agreed upon by you and

the seller. You become the proud owner of your new home.

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102091 -

Contact your local Home Mortgage Consultant

Home Mortgage Consultant

1000 Sawgrass Village Dr, #101

Ponte Vedra Beach, FL 32082

All first mortgage products are provided by Gibraltar Mortgage, LLC.

Gibraltar Mortgage, LLC may not be available in your area. Wells Fargo

Home Mortgage is a division of Wells Fargo Bank, N.A. C2009 Gibraltar

Mortgage, LLC. All Rights Reserved.

02/09

Credit is subject to approval. Some restrictions apply. This information

is accurate as of date of printing and is subject to change without

notice.