PRODUCT GUIDE Following is just a sample of the programs The Lending Co. offers. We have access to virtually every mortgage program availalbe today. *All credit grades accepted. Click on links to view an explanation. PURCHASES: Owner Occupied, Investment Properties, Second Homes Fixed and Adjustable Rate Programs First Time home Buyers FHA / VA Out of State Loans Conforming (FNMA, FHLMC) Jumbo Construction Financing (single close) Non-Conforming (A- through D credit) Mixed use and Commercial Properties 100% Financing Programs Interest Only Programs Programs available for Less than perfect credit REFINANCES: Owner Occupied, Investment Properties, Second Homes Fixed and Adjustable Rate Programs First Time home Buyers FHA / VA (streamline and fully processed) Out of State Loans Conforming (FNMA, FHLMC) Jumbo Debt Consolidation Cash Out Non-Conforming (A- through D credit) No Equity Programs Mixed use and Commercial Properties Programs available for Less than perfect credit HOME EQUITY: Fixed and Variable rate home equity loans "A" through "D" credit programs Lines of Credit Closed-end second mortgages Home Improvement Loans Debt Consolidation Programs available for Less than perfect credit Call AUDRA DEFAZIO Toll Free at 877-542-6020 for details!

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