Issuu on Google+

Dedicated experts

Numerous products

Low rates, flexible options

Fast pre-approvals

Speedy closings

Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

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Our distinctions are your advantages

Tel. 123.123.1234 Ext. 1234

So many lending options!

Tol. 888.123.1234 Ext. 1234

At Residential Finance, you’re bound to find a loan that fits your needs—with a great rate and terrific terms.

jane.branch@myrfc.com

Fixed rate

Adjustable rate

Conventional

Veterans

Reverse

Jumbo

USDA

203(k)

Investor

Foreign National

Cash-out refinance

Plus more!

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janebranch.myrfc.com

One Easton Oval, Suite 400 Columbus, Ohio 43219

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FHA

Fax. 123.123.2222

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Cel. 123.123.1235

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE. CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR.

Consumer_Brochure_General

Mortgage solutions just for you We’ll guide you to the best home loan for buying, refinancing or investing.

Rev: 2/6/13 ©

NMLS #1652


Residential Finance

Bringing home the loan you need

Lending with

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Buying and funding a home is a big step. As your loan officer, I can help you find the lending option that works best for your situation. Whether you’re buying or refinancing a house or purchasing investment property, please turn to me for your home loan needs. I’m not only highly qualified to offer you sound advice, I am also a deeply committed to giving you superior customer service. And my expertise is backed by the history of excellence delivered by the professionals throughout Residential Finance. Together, we work hard to provide the best products, information and timely service possible.

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The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is sellerservicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

Put your confidence in our experience

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As a nationwide mortgage banker, Residential Finance specializes in helping borrowers from all walks of life and all across the country find the ideal home loans to fit their goals.

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Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way.

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precision and care

Exceeding expectations, time and again “The benefit that Residential Finance Corp was able to provide to our family when we needed it was exceptional.” —Cassidy M., Greeley, CO

“I recommend Residential Finance because they kept their promise and treated me with respect.” —Michael G., Long Beach, CA

Let’s talk about what you want to do. Call me today!


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Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235 Fax. 123.123.2222

jane.branch@myrfc.com janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219

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Recognized for our excellent business practices, we have been featured in The Wall Street Journal, Newsweek, Smart Money and on CNBC, FOX, NPR and Forbes.com.

NMLS #: 123456

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Residential Finance is an award-winning nationwide mortgage banker. We specialize in helping homeowners and homebuyersfind the ideal loan to fit their homeownershipgoals - whether buying, refinancing or investing. Based in Columbus, Ohio, we operate more than 60 branches across the country.

Jane Branch Senior Loan Officer

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Lending with precision and care since 1997

Contact me today!

The Loan Process

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REALESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Navigating the loan process with

Residential Finance.


YOUR GUIDE TO A HOME LOAN YOUR GUIDE TO A HOME LOAN Navigating the loan process with Residential Finance. Follow this chart all the way home. Navigating the loan process with Residential Finance. Follow this chart all the way home.

LOAN Recieve

NO Pre-Approval

Final Loan Underwriting Get Advice On How To Improve Your Credit Score

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Price Too High?

Homebuyer Provides Conditions in a Timely Manner

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Repairs Must Be Complete - Appraisers Reinspect

Search For Homes

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Selling Price Renegotiated with Seller

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Find Home

and negotiate contract with seller

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APPLICATION LOAN DOCUMENTS

LOAN

Paperwork

rice irs/P R e p a t i s fi e d Sa

Property Does Not Meet Requirements

Sign Contract and Send to Loan Officer

Receive

Underwriter Asks For Conditions

Loan is Sent to Processing

Appraisal and Home Inspection

Property Meets Requirements

NMLS#1652 www.residentialfinance.com/legal


Dedicated experts

Numerous products

Low rates, flexible options

Fast pre-approvals

Speedy closings

Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

on l

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Our distinctions are your advantages

Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234

So many lending options!

Fax. 123.123.2222

jane.branch@myrfc.com

Fixed rate

Adjustable rate

Conventional

Veterans

Reverse

Jumbo

USDA

Investor

Foreign National

Plus more!

One Easton Oval, Suite 400 Columbus, Ohio 43219

m

FHA

janebranch.myrfc.com

sa

At Residential Finance, you’re bound to find a loan that fits your needs—with a great rate and terrific terms. •

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Cel. 123.123.1235

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REALESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR.

Consumer_Brochure_Purchase

Rev: 5/9/13 ©

Lending expertise with you in mind You can be as happy with your loan as you are with your new home!


Residential Finance Lending with

Changing lives one loan at a time

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It’s true! The current homebuying market is ripe for you to take advantage of great rates and housing prices. Why not go for it? You can buy a place you love at a price you can afford.

Put me to work for you

Get a pre-approval head start

Whether you’re buying your first home, your dream home or investing in real estate, I can help you find the lending option that works best for your situation. As your loan officer, I’ll work with your Realtor® and a team of Residential Finance professionals to help make the loan process go smoothly.

It’s a great idea to get pre-approved for a loan before you start home shopping. You’ll save time by only looking at houses that fit your budget, and you’ll be prepared to beat out competitive buyers because you can make an immediate offer.

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The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is sellerservicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

There’s no time like the present for a new home

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As a nationwide mortgage banker, Residential Finance specializes in helping borrowers from all walks of life and all across the country find the ideal home loan to fit their goals.

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Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way.

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precision and care

Exceeding expectations, time and again “The benefit that Residential Finance was able to provide to our family when we needed it was exceptional.” —Cassidy M., Greeley, CO “I want to take the opportunity to say thank you very much for the prompt, personalized, and special attention provided to me during my refinancing.” —Martin M., Huntsville, AL

“I recommend Residential Finance because they kept their promise and treated me with respect.” —Michael G., Long Beach, CA “Residential Finance is truly an American company that cares about their product, employees, and customers.” —Matt H., Payson, AZ

Let’s talk about what you want to do. Call me today!


Dedicated experts

Numerous products

Low rates, flexible options

Fast pre-approvals

Speedy closings

Call Today Jane Branch Senior Loan Officer NMLS #: 123456

on l

y

Our distinctions are your advantages

Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234

So many lending options!

Cel. 123.123.1235

jane.branch@myrfc.com

Fixed rate

Adjustable rate

Conventional

Veterans

Reverse

Jumbo

USDA

203(k)

Cash-out refinance

Plus more!

One Easton Oval Suite 400 Columbus, Ohio 43219

m

FHA

janebranch.myrfc.com

sa

At Residential Finance, you’re bound to find a loan that fits your needs with a great rate and terrific terms. •

pl e

Fax. 123.123.2222

RESIDENTIAL FINANCE CORP (RFC), 1 EASTON OVAL, SUITE 400, COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW. DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DC #NMLS1652; DE CHP 22 LICENSED LENDER #011831; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MD #11143; MA MORTGAGE LENDER #ML1652; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #4434/2009 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MB-0508408; TN #4093; TX SML #45235 (2 GALLERIA TOWER 13455 NOEL RD STE 1000 DALLAS TX 75240); UT DRE MTG ENTITY; VA LICENSED BY VA STATE CORP COMMISSION MC 3003; #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA.

Consumer_Brochure_Refinance

Refinancing homes to help reach financial goals You can turn today’s mortgage into tomorrow’s opportunity

Rev: 2/6/13 ©

NMLS #1652


Residential Finance Lending with

Discover for yourself the benefits of refinancing!

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You may be pleasantly surprised at what the equity in your home could do for you. Depending on how much longer you plan to own your home, refinancing could be a very smart move. To determine what’s best for you, first we’ll look at your financial goals. Then we’ll review how best to tap the equity you’ve built to favorably reshape your situation. Some of the refinance options for you to consider:

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The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is sellerservicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

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As a nationwide mortgage banker, Residential Finance specializes in helping borrowers from all walks of life and all across the country to find the ideal home loan to fit their goals.

Explore the many options for refinancing your mortgage loan

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Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way.

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precision and care

Lower your payment – Refinance to a lower rate and reduce your monthly payments. Take cash out – Access the money in your home and put it toward other investments. Reduce your term – Build equity faster and take less time paying off the mortgage Consolidate debt – Roll all of your monthly debts into a single low payment. Convert an ARM – Replace your adjustable-rate mortgage for a fixed-rate loan before rates rise!

Exceeding expectations, time and again “My loan officer and the rest of the Residential Finance staff that I dealt with were absolute professionals. Emails were always answered within an hour and in enough detail to address my concerns. You exceeded any expectations that I had for a walk-in mortgage dealer/bank.”” —Justin C., Chagrin Falls, OH “This was the most efficient, hassle-free refinance I’ve ever done. No nonsense with good pricing and customer service.”—Forest S., Haslet, TX

Let’s talk about what you want to do. Call me today!


What is a reverse mortgage?

Put me to work for you.

NMLS #: 123456

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Jane Branch Senior Loan Officer

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The amount that can be borrowed is determined by an FHA formula that considers age, the current interest rate, the appraised value of the home and government lending limits. Typically, the more valuable the home, the higher the loan amount will be.

CALL ME TODAY!

Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235 Fax. 123.123.2222

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Created specifically for seniors by the Federal Housing Authority (FHA), a reverse mortgage allows qualified homeowners to take a loan out against the value of the home not covered by any other liens.

jane.branch@myrfc.com

Debt consolidation

Home improvements

Healthcare expenses

Dream acquisitions

Property taxes

New home purchase

Foreclosure avoidance

Wealth management

janebranch.myrfc.com

m

One Easton Oval Suite 400 Columbus, Ohio 43219

sa

Use your tax-free money for most anything!

HOMEOWNERS MUST REMAIN IN AND MAINTAIN THE HOME, AND CONTINUE TO PAY INSURANCE AND PROPERTY TAXES.

RESIDENTIAL FINANCE CORP (RFC), 1 EASTON OVAL, SUITE 400, COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW. DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DC #NMLS1652; DE CHP 22 LICENSED LENDER #011831; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MD #11143; MA MORTGAGE LENDER #ML1652; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #4434/2009 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MB-0508408; TN #4093; TX SML #45235 (2 GALLERIA TOWER 13455 NOEL RD STE 1000 DALLAS TX 75240); UT DRE MTG ENTITY; VA LICENSED BY VA STATE CORP COMMISSION MC 3003; #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA.

Consumer_Brochure_Reversev2

Rev: 4/2/13 ©

Reverse mortgages for senior homeowners Elevating your quality of life, supporting your independence.


Residential Finance

Generating peace of mind and well-being

Lending with

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• • • • •

Qualify easily, no credit score consideration Eliminate monthly mortgage payments Retain ownership, stay in your home Absorb closing costs into the loan balance Protect other valuable assets, such as investments, second homes and cars

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The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is sellerservicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

If you’re at least 62 years of age and the free-and-clear owner of your home, a reverse mortgage might be a great tax-free tool for you to use to improve the quality of your life. With a reverse mortgage, any existing mortgage will be paid in full, eliminating all monthly payments. The loan does not need to be paid back until you choose to move or sell your home, or when your estate is settled. At that time, other valuable assets cannot be taken from the estate to pay off the remaining loan balance.

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As a nationwide mortgage banker, Residential Finance specializes in helping borrowers from all walks of life and all across the country find the ideal home loans to fit their goals.

Discover how a reverse mortgage could make your life more comfortable

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Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way.

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precision and care

What types of properties are eligible? The property needs to be your primary residence to qualify for a reverse mortgage. This includes single family homes, condominiums, townhouses, and multi-family homes with one to four units if one of the units is your primary dwelling. Some manufactured homes qualify, too.

Let’s talk about what you want to do. Call me today!


NMLS #: 123456

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If you’re an active duty servicemember or veteran in the market for a home, a VA loan could be the right way to finance it – and Residential Finance could be the right lender to make it happen.

Jane Branch Senior Loan Officer Tel. 123.123.1234 Ext. 1234

Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235 Fax. 123.123.2222

You were honorably discharged

You served 90 consecutive days of overseas service during wartime

One Easton Oval, Suite 400 Columbus, Ohio 43219

You served 181 days to two years during peacetime

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See if you qualify for a VA loan

jane.branch@myrfc.com

m

janebranch.myrfc.com

sa

You served at least six years in the National Guard or Reserves

You are the spouse of a servicemember who died in the line of duty or as a result of service-related disability and never remarried

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Contact me today!

Open the doors to homeownership

RESIDENTIAL FINANCE IS NOT AFFILIATED WITH THE VA OR ANY OTHER GOVERNMENT AGENCY.

RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW.DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DE CHP 22 LICENSED LENDER #011831; DC #NMLS1652; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003; UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. RESIDENTIALFINANCE.COM/LEGAL

Consumer_Brochure_VA Purchase

Rev: 9/11/13 ©

Buy your home with a VA loan Lending options especially for veterans and servicemembers


Get the attention and knowledge you deserve

Residential Finance Lending with

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When you’re ready to purchase a house or a condo, we can help you explore the many benefits of the VA (Veteran’s Administration) loan program for those who qualify. VA loans offer the following appealing features: •

No down payment – Finance 100% of the home’s value without putting any money on the table

No-fuss qualification – Qualify with credit scores as low as 580 allowed

No mortgage insurance – Relax! The government backs VA loans and assumes the risk

No pre-payment penalty – Pay off your loan before it matures without worry

No going it alone – Use Basic Allowance for Housing (BAH) toward your monthly mortgage costs

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We’re known for offering a wide variety of loans, timely service and excellent business practices. With so much strength, it’s no wonder Residential Finance has earned over 25 industry honors and has been featured in The Wall Street Journal, Newsweek, Smart Money magazine and on CNBC, FOX, NPR and Forbes.com.

Invest in your dreams with a VA home loan

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Residential Finance is an award-winning, nationwide mortgage lender. We specialize in helping borrowers find the ideal loan to fit their homeownership goals — whether buying, refinancing or investing. Founded in 1997 and based in Columbus, Ohio, we operate several regional operations centers and branch locations across the country.

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precision and care

Expect well-informed, considerate service

Expect top-level proficiency and speed

Go through the loan process with a team that’s been where you have. Our VA loan specialists include veterans who know what it’s like to go through military rigors and protocol. That’s why you can count on receiving the singular treatment you deserve from us.

Take advantage of our elite status! Residential Finance has Veterans Administration Automatic Authority, which means we can streamline the VA mortgage process and close VA home loans without prior approval from the Department of Veterans Affairs.

Let’s talk about what you want to do. Call me today!


Contact me today! Jane Branch Senior Loan Officer NMLS #: 123456

VA-approved lender with automatic authority

Tel. 123.123.1234 Ext. 1234

Credit scores as low as 580 allowed

Up to 100% financing

Tol. 888.123.1234 Ext. 1234

No need for PMI (private mortgage insurance)

Cel. 123.123.1235

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Veterans, servicemembers, members of the National Guard and Reserve, as well as their families, have unique mortgage needs. That’s why we offer a staff of specially trained military home lending experts who are dedicated to giving you the support you deserve.

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Rely on our military loan experts

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Fax. 123.123.2222

jane.branch@myrfc.com

Veterans Administration

One Easton Oval Suite 400 Columbus, Ohio 43219

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Veterans - Served two years active duty and/ or were honorably discharged, with conflict era, peacetime era, and enlisted service considerations applied

janebranch.myrfc.com

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Who is eligible for VA loans?

Servicemembers – Served two years active duty and/or were honorably discharged National Guard and Reservists – Served at least six years under Title 10 of the U.S. Code.

Spouses – Spouses of servicemembers who died as a result of a military-related cause

RESIDENTIAL FINANCE CORP (RFC), 1 EASTON OVAL, SUITE 400, COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO MORTGAGE BROKER LICENSE #100029775 CHECK LICENSE STATUS AT WWW. DORA.STATE.CO.US/REAL-ESTATE/INDEX.HTM; CT #12900; DC #NMLS1652; DE CHP 22 LICENSED LENDER #011831; FL #MLD167; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MD #11143; MA MORTGAGE LENDER #ML1652; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #4434/2009 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ LICENSED BY NJ DEPT OF BANKING & INSURANCE NJ CORRESPONDENT MORTGAGE BANKER & SECONDARY MORTGAGE LOAN LICENSEE #9945825; NM #03691; NY LICENSED MORTGAGE BANKER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22135; SC #MB-0508408; TN #4093; TX SML #45235 (2 GALLERIA TOWER 13455 NOEL RD STE 1000 DALLAS TX 75240); UT DRE MTG ENTITY; VA LICENSED BY VA STATE CORP COMMISSION MC 3003; #8404312, WA CONSUMER LOAN COMPANY CL-1652 WA MASTER BUSINESS LICENSE #602403652; WI #21906BA.

Consumer_Brochure_VA

Rev: 2/20/13 ©

home loan program Lending options especially for veterans, servicemembers and their families


Residential Finance Lending with

It’s our turn to serve those who have served us

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Buy or improve a home

Use a VA home loan to buy a house or condo, or make energy-efficient improvements to your existing home. • No PMI required

• No money down

• No-fuss qualification

Refinance your home

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The company is “Full Eagle” certified by the U.S. Department of Housing and Urban Development and has Veterans Administration Automatic Authority. In addition, Residential Finance is sellerservicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending. This designation, based on excellent business practices, is a status that few lenders attain.

VA loans make it possible for veterans and members of the military to buy, retain or adapt a home with special, attractive conditions. Guaranteed by the federal government, VA loans allow credit scores as low as 580!

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As a nationwide mortgage banker, Residential Finance specializes in helping borrowers from all walks of life and all across the country find the ideal home loans to fit their goals.

Buy or refinance a home with exclusive VA loan advantages—at today’s great rates

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Since 1997, this award-winning company has mastered the art of making the loan process friendly, efficient and straightforward—every step of the way.

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precision and care

Improve your financial situation with today’s historically low interest rates and the VA refinance loan advantages. We have two VA refinance loans for you to consider:

VA Cash Out:

VA Streamline:

Why not tap your home equity to get money for life’s needs? • Up to 100% financing • Fixed rate and ARMs • No out-of-pocket closing costs

Refinance your current VA home loan using the Interest Rate Reduction Refinance Loan (IRRRL) to lower your interest rate and mortgage payment. • No appraisals required • No income verification required • No out-of pocket expense • No delays—often just two-weeks to close

Let’s talk about what you want to do. Call me today!


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