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Marketing Program Assets


FHA Quick Reference The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), insures the loan so the lender can offer a better deal. Some of the benefits include low down payment options, low closing costs and easier credit qualifiers.

GENERAL INFO • • • • • • • • •

620 minimum credit score No debt ratio restrictions with DU approval Purchase LTV/CLTV up to 96.5% Rate & Term LTV/CLTV up to 97.75% Cash Out LTV/CLTV up to 85% Manual underwrites must be completed in accordance with Appendix Q Condo project must be an FHA approved project 6% max seller paid Max loan amounts vary by county

INCOME •

2 year history, fully completed VOE and current paystub OR verbal VOE, pay stubs covering most recent 30 days, last 2 years W2’s and signed 4506 • For self-employed, commissioned, borrowers receiving tips, mileage, etc… or paid by a 1099 the last 2 years tax returns with all schedules (and W-2’s if received). Business tax returns may be required.

BANKRUPTCY & FORECLOSURE • •

Chapter 7: 2 years from discharge Chapter 13: One year payment history (Manual Underwrite) • Written permission from the court to enter into the mortgage transaction • Foreclosure: 3 years from date that deed transferred

MORTGAGE INSURANCE The following changes are effective for all FHA case numbers assigned on or after June 3, 2013: • For all mortgages with an original principal LTV of 90% or less, regardless of loan term, the annual MIP will be assessed for 11 years. • For all mortgages with an original principal LTV greater than 90%, regardless of loan term, the annual MIP will be assessed for the entire life of the loan • Loans of 15 year terms or less with LTV of 78% or less will pay an MIP of 45 bps. • Exception: FHA Streamlines refinancing a loan prior to June 2009 will retain their current MIP amounts. However, they are still subject to the increased duration of payment.

Flyer #1

Equal Housing Lender. This is not a commitment to lend. Subject to credit approval, program qualification, and underwriter approval. Program requirements are subject to change. FOR INDUSTRY USE ONLY. NOT FOR CONSUMER USE.


VA Quick Reference A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. Eligible for veterans who served on active duty after 9/15/40 and who were honorably discharged/released from active duty.

GENERAL INFO

• Terms: 15 and 30 years • Max LTV: Purchase = 100% Cash-Out Refinance = 100% • Ratios: 43% max, ratio may be exceeded with an acceptable AUS certificate and underwriter’s approval • Occupancy: Owner occupied by veteran and/or spouse only • Transaction: Purchase, IRRRL & Cash-Out Refinance • No monthly mortgage insurance

BORROWER ELIGIBILITY

PROPERTY REQUIREMENTS • • • •

Owner occupied single family residence 2-4 units PUDs VA approved condos

CONCESSIONS • •

Minimum Credit Score: 620 Refi: 90.01 - 100% 660 • Asset Requirement: Less than or equal to $417,000 none required; $417,000 $650,000 requires 6 months PITI; greater than $650,000 requires 12 months PITI •

4% max concessions Seller concessions include but are not limited to the following: payment of the buyer’s VA funding fee, prepayment of the buyer’s property taxes and insurance, gifts such as a television set or microwave oven, payment of extra points to provide permanent interest rate buydowns, provision of escrowed funds to provide temporary interest rate buydowns, and, payoff of credit balances or judgments on behalf of the veteran Seller concessions do not include: payment of the buyer’s closing costs or payment of points as appropriate to the markets

Flyer #2

Equal Housing Lender. This is not a commitment to lend. Subject to credit approval, program qualification, and underwriter approval. Program requirements are subject to change. FOR INDUSTRY USE ONLY. NOT FOR CONSUMER USE.


RHS Quick Reference RHS provides very low, low and moderate-income rural residents with better access to an affordable housing finance option with little or no down payment or out-of –pocket costs.

GENERAL INFO

INCOME ELIGIBILITY

• • •

• All adult household income counted • Child support counts in income calculation, and may be grossed up 15% • Self employment (use IRS net income)2 year history plus current information needed • Same job or line of work for past 12 months with 2 year work history • Overtime, bonuses and commissions count, if supported by history • All income must be verified • Income must be within RHS limits (See http://eligibility.sc.egov.usda.gov)

• •

640 minimum credit score 29% PITI, 41% total debt ratios Property must be located in eligible RHS areas Land value cannot exceed 30% of total value Condos (if approved by Fannie Mae, Freddie Mac, HUD & VA), PUDS and townhomes acceptable No manufactured homes

ELIGIBILITY • Approved RHS area only (See http://eligibility.sc.egov.usda.gov) • Owner occupied • Foreclosure or bankruptcy in past 36 months not allowed • First time home buyer not a requirement but cannot own additional property • Acceptable credit history •

KEY POINTS • No down payment for qualified borrower • Terms: 30 year fixed • Upfront fee of 1.00% and current annual fee of 0.35% • Fannie Mae loan limits • Gifts are acceptable with proper documentation • 6% of the sales price can be contributed by interested parties towards closing costs • No monthly mortgage insurance

Flyer #3

Equal Housing Lender. This is not a commitment to lend. Subject to credit approval, program qualification, and underwriter approval. Subject to RHS funds. Program requirements are subject to change. FOR INDUSTRY USE ONLY. NOT FOR CONSUMER USE.


Flyer #4

Equal Housing Lender. Information is subject to change. No warranty is provided concerning the accuracy of the instructions herein. This is not a commitment to lend.


NOW IS THE TIME! INTEREST RATES ARE STILL NEAR HISTORIC LOWS! If you are considering purchasing a new home or refinancing your current home, there could not be a better time!

LOWER RATES CAN... Save you thousands of dollars! Allow you to upgrade your home! Help reduce your monthly payment! Generate more cash for your pocket!

Flyer #5

Equal Housing Lender. Information subject to change without notice. Subject to credit, collateral and underwriting approval. This is not a commitment to lend. Please see your financial consultant or tax advisor for advice that is specific to your circumstances.


To Closing

Contact Us! Online or by phone

Appraisal & Title (ordered and accepted)

Dig Up Documentation for Pre- Approval

Processing your Loan employment veriďŹ cations,etc

Appointment for Pre-Approval

Underwriting Dept. For ďŹ nal approval

Find a Home! Start your search

Closing Docs Sent to Title Co. for you to sign!

Appointment for loan application

MOVE INTO YOUR NEW HOME!

Flyer #6

Equal Housing Lender. This is not a commitment to lend. Application after prequalification or preapproval does not guarantee that a loan will close; not all loans submitted to underwriting are approved. All applications are subject to borrower and credit approval.


Let me be your LIFESAVER when dealing with TRID! Here are 6 Helpful Suggestions about TRID for Realtors: 1.

As a realtor, you are at the center of the real estate closing process, along with the loan originator and the settlement agent. Talk to your lender and title insurance partners to discuss how you will work together to get closings to the table in a timely manner after October 3rd. You may have to adapt how you currently do business to avoid delays.

information earlier. You may need to begin communicating with the lender and title professionals much earlier 2. Share in the process. Once the contract is signed, you need to share that information as quickly as possible. HOA fees and other real-estate related fees need to be discussed early-on with the loan officer.

your buyers’ and sellers’ expectations. Counsel clients that a 30-day contract may not be realistic under the 3. Manage new rules, at least initially. Another important issue to consider in contracts is the buyer’s duty to close on a specific date, as TRID may cause delays that are due to no fault of the borrower.

information on your contract that the lender will need, such as your brokerage name and address, contact 4. Include phone number, and the state license number for yourself and your brokerage. This information must now be disclosed on the CD.

administrative fees early on. Settlement agents will no longer be able to change fees at the table like 5. Communicate they used to do on the HUD-1. Changed fees on the day of closing will require review by the lender and issuance of a revised CD, usually by the lender. Leave time for changed fees so you don’t have unhappy borrowers waiting at the table.

having a two-step walk-through process where an initial walk-through is done in advance of closing, 6. Consider perhaps 7-8 days out, prior to the final walk-through. Most changes from a walk-through would not trigger an

additional 3-day wait to close, but you don’t want your borrowers sitting at a closing table waiting hours for the lender to get a new CD back to them. It used to be the title agent that was driving the bus at closing—now the lender is at the wheel. Don’t let this change in drivers delay your closing!

Flyer #7

Equal Housing Lender. This is not a commitment to lend. Lender is not responsible for delays caused by borrower or third-parties. Programs, rates, terms, and conditions are subject to change without notice.


The following activities could have an adverse effect on a pending loan application: -Filling all required tax returns and/or extensions -Explaining and documenting all inquiries on credit report -Disclosing all debt, even if it is not reported on credit report

The following activities could enhance a pending loan application: -Filling all required tax returns and/or extensions -Explaining and documenting all inquiries on credit report -Disclosing all debt, even if it is not reported on credit report

Flyer #8

Equal Housing Lender. Programs, rates, terms and conditions are subject to change anytime without notice. Subject to collateral, credit, underwriting approval, and certain terms and conditions. This is not a commitment to lend.


Give us the facts. We’ll give you the CORRECT interest rate. The following steps eliminate the guesswork and will provide you with financing options based on facts: Complete the application and send it to me. All of my contact information is below. Feel free to send it in whatever way is most convenient for you. STEP 1:

Provide all of the “Support Documents” that pertain to your situation. STEP 2:

We discuss your goals and determine what is most important to you. STEP 3:

STEP 4: We

meet face-to-face and review the best options to achieve your goals. STEP 5: You

select the option that is most appealing to you.

Flyer #9

Equal Housing Lender. Programs, rates, terms and conditions are subject to change anytime without notice. Subject to collateral, credit, underwriting approval, and certain terms and conditions. This is not a commitment to lend.


How to Verify Your Email Address 1

You will receive an email from our AIR Department that looks like this.

2

This is the verbiage that will be in the email. Please read the numbered instructions.

3

4

Once you click on the link from your email, the web page will look like this. Please read the numbered instructions.

You will receive this message when your email address has successfully been verified.

Flyer #10 Equal Housing Lender. FUSION and all other related information and screenshots are Š2015 Century Mortgage Company d/b/a Century Lending Company, NMLS 3925. This is not a commitment to lend. May not be reproduced or distributed without permission of Century Mortgage Company.


How to Retrieve Appraisal & Closing Disclosure

1

You will receive an email that looks like this for both your Appraisal and Closing Disclosure. The process is the same for retreiving both documents. Please read the numbered instructions.

2

Once you click on the link from your email, the web page will look like this. Please read the numbered instructions.

3

This is the screen you will see next in order to view your documents. Please read the numbered instructions. Closing Disclosure

Closing Disclosure

Flyer #11

Equal Housing Lender. FUSION and all other related information and screenshots are Š2015 Century Mortgage Company d/b/a Century Lending Company, NMLS 3925. This is not a commitment to lend. May not be reproduced or distributed without permission of Century Mortgage Company.


The four things that a borrower needs in order to purchase a house.

The borrower has a job or has the capacity to pay. The borrower must provide a two year work history in the same line of work and W-2Ęźs for proof of income or proof of other income.

This is the house that is being bought and it must appraise for the purchase agreement price or more.

This is the borrowerĘźs past payment history. Some factors include the number of tradelines a borrower has, how long those tradelines have been open, and public records. Your information is reported to three independent credit rating agencies.

This is all of the borrowerĘźs assets including savings, checking, and any 401K accounts. This money must be sourced and seasoned.

Flyer #12

Equal Housing Lender. Information subject to change without notice. Subject to credit approval, program qualification, and underwriter approval. This is not a commitment to lend.


THERE’S A LIGHT AT THE END!

In October 2015, the mortgage industry underwent major changes. We wanted to point out a few items for you to be aware of when going through your home loan process. Our process now includes an electronic verification system that expedites the processing and closing of your loan file.

Make note of these important tips to help ensure a SMOOTH and QUICK loan process and closing: • • •

Make sure you verify your email address! You will receive an email from the AIR Department to complete this process. This step helps ensure documents will be delivered correctly. After you have verified your email address, you will receive a copy of your appraisal electronically. Follow the directions in that email to retreive a copy of your appraisal. Lastly, you will also receive your Closing Disclosure through the verified email address. It is imperative to open and review the Closing Disclosure by midnight on the day you receive it. This step will again help ensure the smoothest and quickest time to close your home loan.

Please contact me if you have any questions during these important steps!

Flyer #13

Equal Housing Lender. This is not a commitment to lend. Lender is not responsible for delays caused by borrower or third-parties.


Need more space or thinking about your own place?

Then you are

HOMEReady

Income of other household members, or co-borrowers who don’t live in the home, can help in qualifying.

HOMEReady offers flexibility not found in other mortgages, and may help you afford a home sooner than you think.

NEW PROGRAM

Additional income sources—such as rental payments from a basement apartment—may be considered. Save money with potential reduced mortgage insurance costs and lower loan level price adjustments. Homebuyer education to help you prepare to buy and own a home—conveniently available online.

Flyer #14

Equal Housing Lender. This is not a commitment to lend. Lender is not responsible for delays caused by borrower or third-parties. Programs, rates, terms, and conditions are subject to change without notice.


Spring is here! It’s time for and Open Houses!

Starting a home hunt off right means getting pre-approved for your home financing. Pre-approval gives you these advantages... • Focus: Finding the right home and knowing the right price range for you. • Preparedness: Make your decision making period shorter, concentrate on the things that matter to you in in a home, and be confident that you can close quickly. • Confidence: A pre-approved buyer has the knowledge and support to make the right decision at the right time. • Buying power: Some offers and negotiations come down to confidence in your financial backing, and sellers know you’re offer is as close to a “promise” as they can get!

Flyer #15

Equal Housing Lender. Programs, rates, terms and conditions are subject to change anytime without notice. Subject to collateral, credit, underwriting approval, and certain terms and conditions. This is not a commitment to lend.


home

READY...

SET... GO

HOMEReady offers flexibility not found in other mortgages, and may help you afford a home sooner than you think.

NEW PROGRAM

Income of other household members, or co-borrowers who don’t live in the home, can help in qualifying.

Save money with potential reduced mortgage insurance costs and lower loan level price adjustments.

Additional income sources—such as rental payments from a basement apartment— may be considered.

Homebuyer education to help you prepare to buy and own a home—conveniently available online.

Flyer #16

Equal Housing Lender. This is not a commitment to lend. Lender is not responsible for delays caused by borrower or third-parties. Programs, rates, terms, and conditions are subject to change without notice.


Some loans can crumble under stress; we look at pressure a little differently.

Every loan is important to us. And after all isn’t a diamond just coal that handled stress very, very well? When the unexpected happens and might cause that little bit of added stress, don’t worry! We have the knowledge and tools to help guide you through any situation. One-on-one dedication, communication and service are what get us through the imperfections that might arise, and all the way to the closing table..

Flyer #17

Equal Housing Lender. Information subject to change without notice. This is not a commitment to lend.


Fly through Applying for a Mortgage and the ABC /123’s to get it done. 1. W2 Forms 2. Personal tax returns covering the last 2 years and Business tax returns covering the last 2 years (if self-employed) 3. Pay stubs covering the most recent 30 days 4. Bank statements for all checking and savings accounts covering the most recent 2 months 5. Your most recent 401(k) or other retirement account statement 6. Verification of additional income such as child support or pension income 7. Sales contract (if purchase) 8. Name and phone number of your insurance agent

Flyer #18

Equal Housing Lender. Information subject to change without notice. This is not a commitment to lend.


Get ready, buying power will have a new look from a familiar face.

On October 1st, the USDA is making a very drastic cut to fees. The USDA mortgage requires two types of fees: an upfront guarantee fee and a monthly fee. They are both being reduced, allowing more buyers to qualify.

New upfront fee: 1.00% Current upfront fee: 2.75%

New annual fee: 0.35% Current annual fee: 0.50%

*monthly fee will also drop The term “guarantee” simply refers to USDA’s loan backing that allows lenders to issue loans according to its guidelines. The current upfront guarantee fee stands at 2.75 percent of the loan amount and is seeing a drastic cut to 1.00 percent, and the “annual fee” is currently 0.50 percent also dropping significantly to 0.35%.

Flyer #19

Equal Housing Lender. This is not a commitment to lend. Lender is not affiliated with the United States Department of Agriculture. Information subject to change without notice.


Where does your RENT go?

TIRED OF PAYING RENT? We have programs that may get you into your own home for less up front (and overall) than you may have thought... How much home can you afford based on your current monthly expenses? To get started all you need is your last two paycheck stubs • Last two years tax returns with W2’s Most recent statement of any investments, 401K, etc. • Last two checking & savings account statements

Flyer #20 NMLS 1484875

Equal Housing Lender. This is not a commitment to lend. A true cost-comparison between renting and homeownership requires a consideration of many factors, including costs of upkeep and maintenance incident to homeownership that you may not have as a renter.


10 Questions to Ask Your Lender 1. What are the most popular mortgages you offer? Why are they so popular? 2. Which type of mortgage plan do you think would be best for me? Why? 3. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required. (NOTE: Private mortgage insurance is usually required if your down payment is less than 20%. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)

4. 5. 6. 7.

Are your rates, terms, and closing costs negotiable? Who will service the loan – your bank or another? What escrow requirements do you have? How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this time period? 8. How long will the loan approval process take? 9. How long will it take to close the loan? 10. Are there any charges or penalties for prepaying the loan?

Flyer #21

Equal Housing Lender. This is not a commitment to lend. List obtained from realtomag.org/sales-and-marketing/handouts-for-custormers/for-buyers/10-questions-to-ask-your-lender, posted with the permission of the copyright holder.


’T I CAN OUS E H BUY A E... S U A C BE

Ever have this same thought? “I can’t afford a realtor...” “My credit scores aren’t high enough...” “I don’t have money for a down payment...” “I can’t afford it because it’s more than rent...”

Multiple parties, besides the borrower, can pay realtor commissions! We can review your credit and provide you with information on how to improve it if needed! We offer very low down payment options through multiple loan programs! We will fit your need! We can work with almost any budget!

Call me today to see how I can help put your mind at ease!

Flyer #22

Equal Housing Lender. This is not a commitment to lend. Programs eligibility dependent on credit and underwriting approval. Rates and terms available for a limited time only. Lender is not a licensed credit counselor. Please see an accounting or legal professional for advice specific to your situation.


Do’s and Don’ts During a Loan Application. The following activities could have a positive effect on a loan application:

The following activities could have an adverse effect on a loan application:

Filing all required tax returns and/or extensions

Credit pulls by multiple companies

Explaining and documenting all inquiries on a credit report

New significant purchases (car, furniture, TV, etc)

Disclosing all debt, even if it is not reported on a credit report

Increase in account balances on your existing credit cards

Applications for new credit

Flyer #23

Equal Housing Lender. This is not a commitment to lend. This is not intended to constitute financial or credit advice. Please consult an attorney, financial planner, or credit counsellor for advice specific to your circumstances.


How far do rates have to drop before your lender allows you to relock? Borrow with confidence by using our lock renegotiation policy! • No minimum rate improvements required • No maximum number of times to renegotiate

Flyer #24

Equal Housing Lender. This is not a commitment to lend. Program eligibility dependent upon credit and underwriting approval.


DREAM HOME? HOW ABOUT A DREAM LOAN. CAN YOU CLOSE YOUR JUMBO LOANS AS FAST AS YOU CAN YOUR CONFORMING LOANS?

Experience the difference with our NEW Jumbo Product! Flyer #25

Equal Housing Lender. This is not a commitment to lend. Program eligibility dependent upon credit and underwriting approval.


Don’t pass up the opportunity to become a homeowner because you think your scenario might be SCARY!

Did you know we can help you with information on various topics that might “scare” a potential homeowner into thinking they cannot buy?

Self Employeed Borrowers Rental Income Bankruptcies Starting a New Job Gaps in Employment No Down Payment Tax Liens We have a dedicated team to assist our clients with loan scenarios. Before your loan is even submitted, we can contact the Scenario Desk to investigate if certain situations will work, or explore other options to potentially fix an issue up front.

Contact me today to dicuss how I can help calm any fears about homeownership!

Flyer #26

Equal Housing Lender. This is not a commitment to lend. Program eligibility dependent on credit and underwriting approval. Lender is not a legal or financial adviser. Please see an accounting, financial or legal professional for advice specific to your situation.


There’s nothing better than an old friend.

FHA BENEFITS No loan level price adjustments… You get lower rates with lower credit scores.

We allow for repair escrows on agency (Fannie, HUD, VA, RHS) owned properties...

Lower monthly mortgage insurance, compared to other loan products at same loan-to-value and credit scores… Save big on your monthly payment.

Reduced closing costs, typically with lender premium pricing... Due to FHA fantastic pricing, there is usually money left to help pay closing costs.

Flyer #27

Equal Housing Lender. This is not a commitment to lend. Lender is not affiliated with the United States Fair Housing Administration. Program eligibility subject to credit and underwriting approval. Rates and terms available for a limited time only. Program availability subject to change without notice.


FNMA will bring in 2018 with Higher Loan Limits

Units 1 2 3 4

General Loan Limit $453,100 $580,150 $701,250 $871,450

High Balance Loan Limit $679,650 $870,225 $1,051,875 $1,307,175

Flyer #28

Equal Housing Lender. This is not a commitment to lend. Rates and terms available for a limited time only. Availability subject to borrower and credit approval.


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Flyer #29

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WITH MORTGAGES YOU NEED TO READ BETWEEN THE LINES... IT IS STILL A GREAT TIME! HISTORY OF MORTGAGE RATES STARTING IN 1972 18.5% 17.5% 16.5% 15.5% 14.5% 13.5% 12.5% 11.5% 10.5% 9.5% 8.5% 7.5% 6.5% 5.5% 4.5% 3.5% 2.5% 1972 1974 1976 1978 1980 1982 1984 1986 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 2012 2014 2016 now

Mortgage interest rates are still at multi-year lows. Flyer #30

Equal Housing Lender. This is not a commitment to lend. Data obtained from https://fred.stlouisfed.org/graph/g=NHh#0. Rates available for a limited time only. Subject to change without notice.


Starting the Search for Your First Home?

Start here.

I can simplify the loan process for you

As a senior loan officer, I can make finding the right loan as easy as possible. I am backed by a team of dedicated financial specialists who are among the best in the business. We will work together to secure a loan that meets your financial needs.

Get pre-approved for your loan first

Before you start house hunting, let me secure a loan pre-approval letter for you. This will tell you how much money you can spend, which will keep you from wasting time viewing houses out of your price range. Then once you find the right home, you’ll be prepared to make an immediate offer.

I can provide plenty of loan options

I’ll offer you a variety of loan products and programs to choose from. Together we’ll find what would work best for you. I can secure you the loan rate that will save you the most money. FHA, Fixed rate, Adjustable rate and Veterans loans are just some of our loan options available.

Flyer #31

Equal Housing Lender. This is not a commitment to lend.


The Three P’s

What to Look for in a Mortgage Professional

You’ve probably come across many ads online, on the air and in print offering attractive rates and encouraging you to call and submit your personal information to get prequalified for a mortgage. Is that a good idea? Before providing any personal information necessary to determine whether you can qualify for a loan and how much you can borrow, check the qualifications of the company and loan officer you are considering doing business with. PROFESSIONALISM: Make sure the company and loan officer you work with are registered with the Nationwide Mortgage Licensing System (NMLS). You can search the reputation of entities and individuals at www.nmlsconsumeraccess.org. PROFICIENCY: How long has the company and loan officer been in the industry? Ask for references from past clients. Find out if your mortgage will be processed locally, and the average time it takes for a loan approval and closing. The mortgage process is more complicated than ever so make sure the professionals you choose have the knowledge and resources to provide you with the best product, service and experience. PERSEVERANCE: The mortgage process starts before you apply for a loan. It may take time to accrue savings, establish or organize your credit, and work on any debt issues. An experienced mortgage professional will examine your situation and help you make a plan and timeframe to reach your goal. Choose a lender willing to start the process with you and see it through any challenges to closing. Give me a call! I’d love the opportunity to share my experience to earn your business.

Flyer #32

Equal Housing Lender.. This is not a commitment to lend.

Marketing Program Assets  

A selection of available marketing information sheets that can be ordered from Century Lending

Marketing Program Assets  

A selection of available marketing information sheets that can be ordered from Century Lending