Ray Evans Employee's

HOME CLOSINGS HAPPEN with a great Human Resource Department!

e e y o l p m E

ELEMENT KIT

About Us

About Us About Element Funding Founded in 1998, Element Funding is a nationwide lender licensed in 49 states states with with aa funding funding capacity capacity of of one one billion billion dollars. dollars. Since Since 2001, 2001, 49 Element has has maintained maintained an an average average annual annual volume volume of of nearly nearly five five billion billion Element dollars and and provides provides an an exceptionally exceptionally strong strong foundation. foundation. Element Element dollars Funding provides provides customers customers with with cost cost benefits, benefits, purchasing purchasing power power Funding

Through Element Through Element Funding, we Funding, we offer offer you strength, trust and integrity. trust and integrity.

Rely on on us. us.

Rely

and financial financial stability. stability. Element Element Funding Funding is is one one of of the the Southeast’s Southeast’s and fastest growing mortgage lenders. As a well-capitalized, full-service mortgage mortgage banker, banker, Element Element offers offers conventional, conventional, VA, VA, FHA, FHA, USDA USDA and and other mortgage products to best fit your needs.

Element Funding other mortgage products to best fit your needs. Element Funding works with top builders and agents throughout the Atlanta metro works with top builders and agents throughout the Atlanta metro area and assists customers by providing fast approvals, competitive area and assists customers by providing fast approvals, competitive rates and a smooth home financing experience. rates and a smooth home financing experience.

Core Values • Integrity in the loan process • Innovation in products, programs and services • Support for our partners • Caring for the communities we serve • Exceptional customer service

Your Satisfaction Built upon trust, commitment and dependability, we are dedicated to creating an enduring relationship with you and meeting your needs.

As your partner in home financing, your ultimate satisfaction is very important to us.

The Difference We offer you a skilled team of mortgage experts.

• Upfront underwriting within 48 hours of loan submission • Processing and closing within the branch • Operations team together for more than 20 years • Fast closings • Great rates

Meet our Team We are committed to providing clients with the highest level of service, expertise and experience.

We understand that a home, for most clients, is the largest investment they have. Our job is to help them professionally manage that debt. We strive to provide professional, courteous and personal service, and feel that honesty and integrity are essential aspects of any business relationship. We know that there are many options for mortgage services, and we appreciate you choosing us! Our goal is to exceed your expectations...

Ray has years of experience in real estate and the mortgage industry. He joined Element Funding, where he has been a top producer and branch manager, serving Georgia, Alabama, and Florida. Ray has the experience and industry knowledge to help identify and secure home financing that fits clients’ unique needs and wants.

The other players on Team Element Funding include Sylvia Campbell, Melanie Whobrey and Adrienne McDaniel. With their extensive experience in commercial and residential lending, these ladies provide the knowledge and experience you can put your confidence in. Unlike other lenders, our team specializes in providing each of our clients with the utmost care, walking with them through each step of the loan and going above and beyond to meet their needs. It’s no wonder our clients keep coming back for more!

Ray Evans

Branch Manager

Adrienne McDaniel

Sylvia Campbell

Client Relations Specialist

Loan Coordinator

Melanie Whobrey Loan Processor

Loan Products Loan Products Our wide selection of loans helps you win with every client.

We offer full-service lending support from start to finish, updates throughout your transactions, great underwriting turn times, and a wide selection of loan products to match your clients with the perfect loan for them!

FULL ACCESS TO THE HOTTEST PRODUCTS Conventional: The “traditional”

loan. Low rate, low down payment.

PRMI Choice: Special financing for FICOS® between 500 and 640.

FHA: A great government-backed

Renovations Loans: 203K Dream Loan: Loans up to

Adjustable Rate Mortgage (ARM): Start off with a fixed rate for

HUD $100 Down: For eligible

properties that only require $100 down on the property.

Jumbo: For larger loan amounts

Investment: For those looking to finance property they don’t plan to occupy, and will rent to others.

loan for first-time home buyers or those with higher debt to income ratios.

a period of time and then turn into an adjustable rate.

-up to $2.5 million.

Refinance: For individuals who

currently own a property and are looking to either improve their financial situation or take out cash from their property’s equity.

$31,000 purchase pricepurchase toward price Loans upabove to $30,000 above home repair or remodel. toward home repair or remodel.

VA: A product tailored to individuals who are serving/have served in the military.

HARP: For homeowners who owe more than the value of their home.

DeAnn Ellis DeAnn Ellis Loan Officer Loan Officer DeAnn Ellis DeAnn Ellis no down payment.

Element Funding Element Funding Officer Loan Officer Loan DeAnn Ellis Phone: (678) 259­0205 Phone: (678) 259­0205 DeAnn Ellis Element Funding Element Funding Loan Officer Cell Phone: (770) 616­8042 Loan Officer Cell Phone: (770) 616­8042 2 Year buy down DeAnn Ellis Phone: (678) 259­0205 DeAnn Ellis Phone: (678) 259­0205 Element Funding Fax: (404)537­1846 Element Funding Loan Officer Fax: (404)537­1846 Cell Phone: (770) 616­8042 Loan Officer DeAnn Ellis Cell Phone: (770) 616­8042 Phone: (678) 259­0205 DeAnn Ellis deannellis@elementfunding.com deannellis@elementfunding.com Phone: (678) 259­0205 Element Funding Fax: (404)537­1846 Element Funding Loan Officer Loan Fax: (404)537­1846 DeAnn Ellis Cell Phone: (770) 616­8042 Officer www.elementfunding.com/dellis DeAnn Ellis www.elementfunding.com/dellis Cell Phone: (770) 616­8042 Phone: (678) 259­0205 deannellis@elementfunding.com Phone: (678) 259­0205 Element Funding deannellis@elementfunding.com Loan Officer Fax: (404)537­1846 Element Funding NMLS #: 148916 Loan Officer NMLS #: 148916 Fax: (404)537­1846 Cell Phone: (770) 616­8042 www.elementfunding.com/dellis Cell Phone: (770) 616­8042 Phone: (678) 259­0205 www.elementfunding.com/dellis Element Funding deannellis@elementfunding.com Phone: (678) 259­0205 Element Funding deannellis@elementfunding.com • Bank Statement Fax: (404)537­1846 NMLS #: 148916 Fax: (404)537­1846 Cell Phone: (770) 616­8042 NMLS #: 148916 Phone: (678) 259­0205 www.elementfunding.com/dellis Cell Phone: (770) 616­8042 Phone: (678) 259­0205 www.elementfunding.com/dellis • Foreclosures deannellis@elementfunding.com PRMIis an Equal Housing Lender.

NMLS 3094. PRMI is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject to NMLS 3094. PRMI Some products and services may not be available in all states.

Credit and collateral are subject to deannellis@elementfunding.com Fax: (404)537­1846 Cell Phone: (770) 616­8042 NMLS #: 148916 Cell Phone: (770) 616­8042 approval. Terms and conditions apply.

This is not a commitment to lend.

Programs, rates, terms and conditions are subject to change without notice. Fax: (404)537­1846 The NMLS #: 148916 val. Terms and conditions apply.

This is not a commitment to lend.

Programs, rates, terms and conditions are subject to change without notice.

The www.elementfunding.com/dellis • Bankruptcy www.elementfunding.com/dellis content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. nt in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. deannellis@elementfunding.com Fax: (404)537­1846 deannellis@elementfunding.com Fax: (404)537­1846 PRMI NMLS 3094.

PRMI is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject to NMLS PRMI is an Equal Housing Lender.

Some products and services may not Credit and collateral are subjectNMLS to Department of Banking and Finance 6521 a commitment to lend.be available in all states. #: 148916 rtment3094. of Banking and Finance 6521 #: 148916 approval. Terms and conditions apply.

This is not Programs, rates, terms and conditions are subject to change without notice. NMLS The www.elementfunding.com/dellis deannellis@elementfunding.com val. Terms and conditions apply.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

The www.elementfunding.com/dellis deannellis@elementfunding.com content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency.

PRMIadvertisement has NMLS 3094. PRMInot been approved, reviewed, sponsored or is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject toCorporation nt in this marketing endorsed by any department or government agency.

FICO® is a registered trademark of Fair Isaacwww.elementfunding.com/dellis NMLS 3094. PRMI is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject to NMLS #: 148916 Department of Banking and Finance 6521 approval.

Terms and conditions apply.

This is not a commitment to lend.

Programs, rates, terms and conditions are subject to change without notice.

The NMLS #: 148916 www.elementfunding.com/dellis rtment of Banking and Finance 6521 val.

Terms and conditions apply.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

The Our records indicate that Element Funding may contact you by email to send you relevant and timely information.

To opt­out of receiving additional content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any cords indicate that Element Funding may contact you by email to send you relevant and timely information.

To opt­outdepartment or government agency. of receiving additional nt in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency.

NMLS #: 148916 NMLS 3094. PRMI is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject to NMLS #: 148916 PRMI NMLS 3094.

PRMI is an Equal Housing Lender.

Some products and services may not be available in all states.

Credit and collateral are subject to promotional emails from Element Funding, please click the link below Department of Banking and Finance 6521 tional emails from Element Funding, please click the link below

USDA: Rural financing with

rtment of Banking and Finance 6521

Fixed Rate Option: Alt-Portfolio:

Closing cost

savings!

Loan Discount Amount Amount $149k or under $500 $150-$249k $1,000 $250-$349 $1,000 $350-$449K $2,000

Community Partners

Community Partners

Home Mortgages A Touch Above The Rest.

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

Your Mortgage Team www.ElementFunding.net 470-481-3947 Ray Evans MLO 28058 NMLS#218350 RayEvans@ElementFunding.com 7 Baynard Park, Suite B, Newnan, GA 30265

Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval.

Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Georgia Department of Banking and Finance 6521. Alabama Banking Department Bureau of Banking MC 20316. NMLS 218350, MLO 28058