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Mortgage program guide

Mortgage Broker verses Banker

The Consumers Advantage

will provide it. We save our borrowers the time and money involved in shopping for rates with There are three important reasons to use a broker multiple lenders and the additional time it takes instead of a commercial bank or a mortgage to go through the qualification process. We work for the borrower. bank: Expertise, Time and Money.

Why Use Mortgage Broker Verses a Banker

As a mortgage Broker, I am approved with many mortgage banks, commercial banks and financial institutions that offer programs for first time homebuyers, move up buyers, investors, churches, non-profits and foreign nationals. Mortgage brokers have unlimited access to loans unlike bankers. They also have the time and expertise to search for the right loan consumers need and save them time.

Mortgage Brokers Arrange Loans Brokers do not make loans. Brokers arrange loans for borrowers. Brokers represent the borrower and not the bank. We find the terms and rates our borrowers want from the bank who

A Real Estate Broker looks high and low for the home their clients want. Mortgage brokers are committed to conduct the same research for the right loan their client wants and provide their clientâ&#x20AC;&#x2122;s great advice and expertise to help them make the right decision.Â

Mortgage Brokers are Service Providers Mortgage brokers provide a concierge level of service in that they can conduct business on their clients terms and in anyway their clients prefer: over the phone, online, at their office or home.Â This is ideal for busy professionals who do not have the time to sit and wait for a banker, or meet them at the bank.

Working professionals need the expertise of a mortgage broker because they do not have the time to research the products or programs the bank is trying to sell them and they should not settle for an inferior product or program simply because they do not have the time. Everyone needs an advisor or business consultant /coach to help them make the right decision. Brokers are more than just sales people they subject matter experts, advisors and advocates for their clients. The borrower is the mortgage brokers client - not the bank. The mortgage Broker’s allegiance is to his client only and all mortgage brokers want what their clients want, just like a Real Estate brokers who are assisting their clients to find the home of their dreams or sell their home at the highest price possible. Once you work with a mortgage Broker you will never work with a bank or mortgage bank directly again.

Mortgage Broker Licensing & Requirements California mortgage brokers are licensed by the Federal Government’s National mortgage Licensing System and the State of California Bureau of Real Estate. Mortgage brokers are required to take continuing education courses to maintain their license every year like many other professions. The Great Financial Crises of 2007 to 2009 brought many changes in lending. Mortgage brokers have more licensing and education requirements to meet than Federally Insured bank loan officers. Mortgage brokers must also meet credit standards, net worth and asset requirements, and pass state and federal exams. This is not a requirement of any bank loan officer.

education courses that are required for a brokers license. Mortgage Brokers & Real Estate brokers are highly educated, experienced and qualified real estate professionals that busy consumers need on their team.

Mortgage Broker Compensation Mortgage brokers are compensated the same way bankers and portfolio lenders are. The difference between the banker and broker is that mortgage brokers embrace transparency and borrower paid transactions must disclose their compensation to their clients just like Real Estate brokers are required to do for their sellers. Banks and mortgage banks are not required to disclose their compensation. Banks should be held to the same high standard that mortgage and Real Estate brokers are, but they are not. They lack transparency and have limited programs to help their clients.

The Mortgage Broker Advantage The lack of transparency in banking creates an illusion that there are more advantages to the consumer by applying to a commercial bank or mortgage bank to obtain a home loan. This is false. In fact, borrowers have far more advantages working with a mortgage broker because mortgage brokers have access to unlimited lenders, programs and interest rates. They have many more programs than any one bank or even a group of banks combined could ever have.

In addition, mortgage brokers can compete with Mortgage professionals who also hold a real any bank or financial institution on loan cost, estate broker license had to passed a real estate interest rates and processing fees because they brokers exam, and take additional continuing deal with banks at the wholesale level.

Mortgage Brokers Save You Money As a mortgage broker I am a low cost provider of mortgage services. I seek out wholesale financial institutions that do no charge any loan fees. My typical loan will only have the necessary third party fees to facilitate the transaction. I seek out special programs for low to income borrower and credit impaired borrowers and for borrower’s who need alternative ways to document their income. I work for my clients and strive to get them what they need to achieve the goal of homeownership. As a Real Estate professional I want my clients to many options to finance a home. A mortgage broker is the only person in the financial industry that can do just that. Consumers need competition among banks and many loan options to know they are getting what they truly qualify for and deserve.

Banks are simply not setup or created to bring a Broker’s level service or value. Banks limited in programs, and have credit overlays that are discriminatory to low to moderate income borrowers or people with low to marginal credit. Banks are also very selective on who they will lend to. The bigger they become the less risk they need to take to be profitable. Banks add credit overlays to further limit their risk and they are eliminating program that serve low to moderate borrowers, credit impaired borrowers, or self employed borrowers who need alternative ways to document their income. These discriminatory practices and strategies are all done with goal of reducing or illuminating risk which is understandable given the recent Great Financial Crises between 2007 and 2009.

But the reality is that their actions represent a violation of a host of fair lending laws because Mortgage Brokers can find the best interest rate their action have a disparate impact on minorities for any type of property or loan and do it quickly and people of color in general preventing them from accessing credit and the American Dream because they have many options of homeownership. Mortgage Brokers can process your loan faster than banks because they do not have the I am Mortgage Broker and Real Estate brokers and proud to be so. I am indebted to the industry bureaucracy that banks have Mortgage Brokers use contract processors and for teaching me business and the many people many lenders so there is no standing in line and who have mentored me over the years. waiting to get the loan closed quickly After 35 years as a Banker I proudly serve my Mortgage Brokers can work with you regardless community independently as a Broker and work of your financial or credit circumstances and to make home ownership a reality for everyone will never say no if there is product for you in Once you use a qualified mortgage broker you the world of lending. will never deal with a bank again. Please call All Banks are limited which is why Mortgage me today. I can help you. 800-401-8994x 703 Brokers work with many banks to serve their Licensed BRE CA 01143484 NMLS 461807. clients.

Mortgage Broker Get Results!

Help DPA Program is a grant

housands of people each year dream of becoming homeowners. The Help DPA Program may help that dream become reality.

This homebuyer assistance program currently provides lowto-moderate income families and individuals with a choice of a 3% to 4.5% Grant* that does not have to be repaid. The grant can be used towards down payment or closing costs. Many times this allows homebuyers to purchase a home much sooner than they thought possible. The Help DPA Program is available for the purchase of an owner-occupied single and duplex family residence, approved condominium, or planned unit development located in the state of California. The program is available for purchases of both new and existing homes and is NOT limited to first-time homebuyers. *Grant approval is determine by many factors including your FICO Score. Minimum FICO score is 640.

PROGRAM FEATURES AT A GLANCE • Down payment assistance • (Currently in the form of a 3% to 4.5% Grant)* • For the purchase of primary residences in California • New or existing properties are eligible • Program is NOT limited to first-time homebuyers • Income limits up to 140% of HUD Area Median Income

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 | Office: 800-401-8994 ext. 703 | Fax: 800-401-8994 The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender.Our corporate office is located at 3739 6th Street Riverside, CA 92501. Our Telephone and Fax number is 800-401-8994. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.

USE GIFT FUNDS

AS THE DOWNPAYMENT FOR YOUR NEW HOME DON’T HAVE MONEY FOR A DOWN PAYMENT? YOU CAN STILL GET A HOME • 100% gift options available • Save your cash • Program options available with no monthly mortgage insurance

LET ME SHOW YOU YOUR MORTGAGE OPTIONS. CALL TODAY

ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender.Our corporate office is located at 3739 6th Street Riverside, CA 92501. Our Telephone and Fax number is 800-401-8994. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.

Purchase your home with just 1% down ONE MONTHâ&#x20AC;&#x2122;S RENT COULD GET YOU INTO YOUR

DREAM HOME

You put down 1%, your lender contributes 2%*, giving you 3% equity at closing Great low rates | Close in 30 days or less | Available with no monthly mortgage insurance *2% lender contrbution may only be applied to down payment

CALL TODAY FOR THE CONVENTIONAL 1% DOWN WITH EQUITY BOOST PROGRAM

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

PURCHASE A NEW HOME TODAY WITH

AS LITTLE AS 3% DOWN

DON’T WASTE MONEY ON RENT WHEN YOU CAN AFFORD TO BUY Close on your new home in as little as 30 days Gift funds eligible for a down payment | First-time home buyers eligible Primary homes, 1-2 units eligible | High Balance loans available Start building your own equity today YOU DON’T NEED TO PUT 20% DOWN TO OWN A HOME.

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

HOMEPOSSIBLE

FREDDIE MAC’S ALTERNATIVE TO FHA

HOME POSSIBLE Up to 95% LTV HOME POSSIBLE ADVANTAGE Up to 97% LT

THE FLEXIBILITY THAT HOMEOWNERS DESERVE Product Highlights: • Great for all buyers, including first time home buyers • Refinances up to 97%, regardless of current mortgage program • No income limits for Underserved Areas • No reserves required for 1-unit properties • Gift funds eligible for entire down payment

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

NEW!

FREE mortgage app for your cell phone! Click Here Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

USDA

Rural Home Loan Program

Zero Down Payment

NEW!

FREE mortgage app for your cell phone! Click Here

• Available for designated rural areas • No down payment required • Closing costs may be financed if appraised value is higher than sale price • • • •

*additional nanced amount may not exceed actual closing costs

No loan limits, No Sale Price Limits Income limits apply Maximum loan amount up to 102% of appraised value One time 2% Guarantee Fee may be financed into the loan amount or paid from seller’s credit, .4% Annual Guarantee Fee • For property eligibility, visit: http://eligibility.sc.egov.usda.gov/eligibility/

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

VA Elite Committed to those who have bravely served in the armed forces RED CARPET SERVICE COMPRISED OF SPEED AND EFFICIENCY

• Starting higher

with FICO score of 720 or

• $ 175,000 minumum loan amount • Purchase your dream home with money down

• Save money on your monthly mortgage! • Refinance your current VA home loan up to 150% of the property value

• Call today for more information! NEW!

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

FREE mortgage app for your cell phone! Click Here Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom. us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

LET IT WAVE!

NO DOWNPAYMENT, NO MINIMUM CREDIT SCORE REQUIRED

VA LOAN!

VA Program Highlights • • • • •

No Minimum Credit Score No Downpayment Required! 100% Financing with Full Entitlement Ability to Use Parting Residence Rental Income for Loan Qualification

NEW!

FREE mortgage app for your cell phone! Click Here

Details: • 30 year and 15 year fixed-rate mortgages. • Loan amounts up to $417,000. Jumbo availability (Please call for details) • Available for purchase and cash-out refinance.

Requirements: •

Must be an active-duty veteran ; a veteran discharged with other than dishonorable condition, a service-disabled veteran; a National Guard; or Reservist with at least six years in selected reserve status. • Unmarried widows of eligible veterans as well as spouses of MIAs and POWs missing more than 90 days, qualify. • Eligible branches of service include Army, Navy, Air Force, Marine Corps and Coast Guard.

Call today for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

Find joy in owning YOUR OWN home Why Buy? Have you ever thought about what it must

feel like to own the roof over your head? To be able to do what you want, when you want - to YOUR home?

With the recent decrease in FHA mortgage insurance premiums, homeowners are saving hundreds a year on their mortgage. Furthermore, considering the numerous Down Payment Assistance Programs available and that California median home prices have fallen more than 40% since 2008, affordability is the best it has been in 20 years.

For many people, buying a home is the biggest and most fullling purchase they will make in their life. Because you aren’t just buying a house when you buy a home, you’re starting a new life. And right now it’s easier than ever to do just that. Right now really is the best time to own a home. So take full advantage and live the dream of homeownership for yourself today! NEW!

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

FREE mortgage app for your cell phone! Click Here Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom. us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

JUMBO LOAN PROGRAM

It’s time for a really big deal! BENEFITS • Loans up to $2,000,000 with 700+ FICO • Very competitively priced jumbo mortgage rates • Significant price improvement for purchase money loans SPECIAL FEATURES • Qualify using primary wage earner’s middle credit score • Non-owner occupied investment properties OK • 100% gift funds for down payment & closing costs OK • Non-permanent resident aliens OK

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Mobile: 714-475-8629 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

are you ready to become a vip Agent? Benefits:

• Increase your Brand on the Web & Social Media • Promote your Listings and Brand via Online Radio and Online TV • Promote your Listings and Brand in our national Online Magazines • Receive Lead Management support from inquiry to closing • Receive Social media management support on five online platforms • Co-brand our Online First Time Homebuyer Live Monthly Seminars • Receive professionally produced

videos for selling & educating consumers Received professional ghostwriting for your Blog and Magazines articles Receive Business Coaching, Planning and Accountability support Receive Business and Technology support for Websites, Landing Pages

• • •

Eric Lawrence Frazier MBA Broker | President and CEO CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243

GET STARTED TODAY! www.thepowerisnow.com eric.frazier@thepowerisnow.com Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

5 POWER STEPS

TO BUYING YOUR FIRST HOME

Owning your home is the American dream, and it’s also a big responsibility. Here are the power moves you must make.

Take a homebuyer education class or speak to a homebuying counselor so you are familiar with the process and paperwork. If you end up using any Down Payment Assistance, you can take an online or in-person class with CalHFA. Find more information at www.calhfa.ca.gov under “Homebuyers”. Setting a Budget, Saving money, Setting the right Expectations

OBTAIN A MORTGAGE PRE-APPROVAL.

MAKE OFFERS AND START THE PROCESS.

Once you find a home, your agent will present a written offer for negotiations. Once a price is agreed upon, you’ll sign a contract and begin the paperwork for the loan. The home will undergo an inspection, appraisal and title check to make sure there are no surprises. Next you’ll work with The Power Is Now Mortgage Services for reverification of credit, document preparation and to set up an escrow account that pays your homeowners insurance and taxes each month as part of your payment. POWER MOVE

MEET WITH A HUD APPROVED COUNSELOR.

Pre-approvals are only valid for 60 days. Keep your financial paperwork current by sending in updates to the Power Is Now Mortgage Services monthly.

POWER MOVE

Be prepared to go through the qualifying process again. Any changes to your financial circumstance may result in a denial of your loan.

The best way to determine how much you can afford is to contact The Power Is Now Mortgage Services. They can check your credit and review available programs. You 5 LOAN CLOSING AND MOVING IN. will need to provide W2s, pay stubs, bank statements, and other financial information. The Power Is Now Mortgage When your loan is ready to close the Escrow officer will call Services knows CalHFA programs and wants you to you to schedule an appointment to sign your documents. succeed. Call 800-401-8994 or visit www.thepowerisnow.com The Closing Disclosure you receive should show the same terms on the loan documents you will sign. Once Your budget is your guide to purchasing a home not you signed, the documents are reviewed by the lender your pre-approval. Once you get preapproved you and your loan is funded. Once your loan is recorded you are the new owner and can move in. You can now begin are in financial prison. realizing the benefits of homeownership!

FIND A VIP REAL ESTATE AGENT. Knowledge is power. A VIP agent is endorsed by The Power Is Now and has a wealth of knowledge just for you! They can answer most of your questions about neighborhoods, homes, and navigating through the buying process to the best deal. A referral by The Power Is Now is your best chance for an experience agent who has been vetted verified by The Power Is Now. Referral Business is always the best business. Endorsements count.

ERIC LAWRENCE FRAZIER MBA Broker | President and CEO CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 | Office/Fax: 800-401-8994 ext. 703

HOME SECURE DOWN PAYMENT ASSISTANCE PROGRAM

Thousands of people each year dream of becoming homeowners. The Help DPA Program may help that dream become reality. • This homebuyer assistance program currently provides low to- moderate income families and individuals with a 3.5% Grant* that does not have to be repaid. The grant can be used towards down payment or closing costs. If their income exceeds 115% of the HUD Area Median Income then a silent second loan will be made instead of a grant that can be forgiven if payments on the 1st mortgage are made on time for 3 years. *Grant approval is determine by many factors including your FICO Score. Minimum FICO score is 620. Silent second loan forgiveness subject to 3 years of on time payments and other program guidelines/ limitations.

• Many times this allows homebuyers to purchase a home much sooner than they thought possible. The Home Secure DPA Program is available for the purchase of an owner-occupied single, duplex, triplex or fourplex family residence, approved condominium, or planned unit development located in the state of California. • The program is available for purchases of both new and existing homes and is NOT limited to first-time homebuyers.

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 | Office: 800-401-8994 ext. 703 The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender.Our corporate office is located at 3739 6th Street Riverside, CA 92501. Our Telephone and Fax number is 800-401-8994. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.

NON PRIME LOAN PROGRAMS

QUALIFY WITH BANK STATEMENTS FOR INCOME 90% LTV - 2yrs from Foreclosure, Short Sale, or Bankruptcy & Interest Only Available Up to $3,000,000 Loan Amounts 12 or 24 Months Personal Accounts qualify with 100% of Deposits for Personal Statements!

24 Months Business Accounts qualify with up To 50% of Deposits for Business Statements!

Requirements: • 12 Months Owner Occ. w/650 FICO • 24 Months Owner Occ. w/600 FICO, Non Owner & 2nd Homes w/500 FICO • Self Employed and 1099 borrowers only • Only 6 NSF’s in the most recent 12 months

Qualify Simply • • • • •

We don’t look at Withdrawals! We don’t look at Overdrafts! No P&L! No Reserves! on Non-Prime No 4506T!

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Mobile: 714-475-8629 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

FICO reduced to 550 on Government Programs Offered by The Power is Now Mortgage Services

The Power Is Now meets the needs of our borrowers with lower FICO score requirements on FHA , VA and USDA Programs FHA PURCHASE

USDA Purchase

• 550 FICO to 90% LTV on purchase loans • No gift fund restrictions with FICO >580 • Debt to income ratio determined by AUS with FICO >640 (1-2 Unit) • First time homebuyers - no overlays with DU approved eligible with FICO>640

• Minimum 550 FICO • Up to 100% financing on appraised home value • No downpayment required for qualified borrowers • No cash reserve reqirements • Purchase, rate/term refinance and streamline refinance available

VA IRRL • 550 FICO - two valid credit scores required • Up to 90% LTV • No income documentation required

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243

Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

Cash Rich but

Monthly Income Challenged Try Asset Depletion or ATR in Full Qualify with enough Liquid Assets to cover the loan balance! NO MONTHLY INCOME REQUIREMENT! OR Use 100% of Liquid Assets to cover 7yrs or 84 Months of PITI & Liabilities! • ATR/hability to repay in full • Borrower Does NOT have to be currently Employed • Purchase or C/O Refinance • Owner Occupied or Investment

ATR in Full | Asset Depletion • You Only Need to Show Two Months of Qualifying Account for ATR in Full • 75% max LTV • 600 min Fico

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CalBRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-475-8629 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

Standalone Second Mortgages Are Back! BENEFITS ►► Get long-term fixed-rate seconds ►► Borrowers can get cash out or consolidate debt without refinancing SPECIAL FEATURES ►► Loan amounts of $50K to $250K ►► 15 year and 30 year closed-end seconds ►► 90% CLTV with 720 score ►► 85% CLTV with 680 score ►► Second home : Purch / R&T to 80% C/O to 70% with 720 score ►► No reserves needed ►► 43% DTI ►► Exterior-only appraisal up to $100K loan amount ►► 7 years seasoning on BK / FC / Short Sale

Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Email: eric.frazier@thepowerisnow.com Mobile: 714-475-8629 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

SERVICES TEAM ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 President, CEO, Broker CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Direct: 714-361-2105 Office: 800-401-8994 ext. 703

ERIKA JOHNSON Processor Direct: 909-543-4139 Email: erika.johnson@thepowerisnow.com Website: www.thepowerisnow.com

CHRISTINA KIMBLE Senior Relationship Manager CAL BRE # 01395886 Phone: 800-401-8994 x 705 Direct: 714-709-1394 Email:christina.kimble@thepowerisnow.com Website: www.thepowerisnow.com

THERESA OLIVARRIA Loan Administrator Phone: 800-401-8994 x 720 Fax: 800-261-1634 Email: theresa.olivarria@thepowerisnow.com Website: www.thepowerisnow.com

mortgage TEAM ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 President, CEO, Broker CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Direct: 714-361-2105 Office: 800-401-8994 ext. 703

WILLIE WILCOX Relationship Manager Cal BRE # 01396837 | NMLS # 887943 Office: 800-401-8994 x 728 Direct: 510-915-5107 E-mail: willie.wilcox@thepowerisnow.com Website: www.thepowerisnow.com

CHRISTINA KIMBLE Senior Relationship Manager CAL BRE # 01395886 Phone: 800-401-8994 x 705 Direct: 714-709-1394 Email:christina.kimble@thepowerisnow.com Website: www.thepowerisnow.com