NAF Advantage Booklet_Dave Hohe

YOUR CPS GETS CREATIVE. YOUR MORTGAGE CAN TOO. Your unique financial journey deserves tailored lending solutions.

We see your full potential, not just a standard paycheck.

THE WORLD HAS CHANGED. LENDING SHOULD TOO. Modern Income Requires Modern Solutions You’re not alone.

The way people earn money has transformed. You’re part of a growing economy of self-starters: freelancers, entrepreneurs, gig workers, real estate investors, and small business owners. =SY HSRƅX ƼX MRXS XLI XVEHMXMSREP XS FS\ ERH XLEXƅW I\EGXP] [LEX QEOIW ]SY WYGGIWWJYP -J ]SY LEZI XVEHMXMSREP ; MRGSQI [I SJJIV EPP XLI GSRZIRXMSREP QSVXKEKI STXMSRW ]SYƅH I\TIGX Conventional, FHA, VA, and more. But we also recognize that many successful people earn MRGSQI HMJJIVIRXP] -J XVEHMXMSREP UYEPMJ]MRK QIXLSHW HSRƅX GETXYVI ]SYV JYPP ƼRERGMEP TMGXYVI SYV 2%* %HZERXEKI TVSKVEQW TVSZMHI ƽI\MFPI EPXIVREXMZIW ;I GER IZEPYEXI FERO WXEXIQIRXW 4 0W EWWIX TSVXJSPMSW ERH TVSTIVX] GEWL ƽS[ KMZMRK ]SY QYPXMTPI TEXLW XS LSQIS[RIVWLMT

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NAF ADVANTAGE That’s why we created NAF Advantage. A complete suite of lending solutions designed WTIGMƼGEPP] JSV TISTPI [MXL RSR XVEHMXMSREP MRGSQI ;I HSRƅX PSSO EX NYWX SRI TMIGI SJ TETIV ;I IZEPYEXI ]SYV IRXMVI ƼRERGMEP TMGXYVI ʵ˔ˡ˞ ˦˧˔˧˘ˠ˘ˡ˧˦ ˔ˡ˗ ˖ˢˡ˦˜˦˧˘ˡ˧ ˖˔˦˛ Єˢ˪ ʵ˨˦˜ˡ˘˦˦ ˣ˥ˢЃ˧ ʙ ˟ˢ˦˦ ˦˧˔˧˘ˠ˘ˡ˧˦ ʴ˦˦˘˧ ˣˢ˥˧˙ˢ˟˜ˢ˦ ˔ˡ˗ ˜ˡ˩˘˦˧ˠ˘ˡ˧˦ ˃˥ˢˣ˘˥˧ˬ ˜ˡ˖ˢˠ˘ ˣˢ˧˘ˡ˧˜˔˟ ʛʷˆʶ˅ʜ ʼˡ˧˘˥ˡ˔˧˜ˢˡ˔˟ ˜ˡ˖ˢˠ˘ ˦ˢ˨˥˖˘˦ We understand that income and wealth come in many forms. Our mission is simple: see the VIEP ]SY VIGSKRM^I ]SYV ƼRERGMEP WXVIRKXL ERH LIPT ]SY EGLMIZI ]SYV LSQIS[RIVWLMT ERH investment goals.

FOUR SOLUTIONS, ONE MISSION Find The Program That Fits Your Financial Story

Entrepreneur Advantage | For self-employed, freelancers & business owners • As little as 10% down • 0SERW YT XS 1MPPMSR

• Credit score as low as 620 • 4 0 ERH FERO WXEXIQIRX EREP]WMW

• *MRERGI YT XS TVSTIVXMIW • *M\IH %61 SV MRXIVIWX SRP] STXMSRW

Asset Advantage | For individuals with signiЃcant asset wealth • As little as 20% down • 0SERW YT XS 1MPPMSR

• Credit score as low as 620 • 0IZIVEKI ]SYV EWWIX TSVXJSPMS

• Finance up to 20 properties • *M\IH %61 SV MRXIVIWX SRP] STXMSRW

Cash-Flow Advantage | For real estate investors • As little as 20% down • 0SERW YT XS 1MPPMSR

• Credit score as low as 620 • (7'6 FEWIH UYEPMƼGEXMSR

• Finance up to 20 properties • Investment-focused approach

Global Advantage | For Foreign Nationals & ITIN holders • HS[R ZEVMIW F] TVSKVEQ • 0SERW YT XS 1MPPMSR

• 1E] RSX VIUYMVI 9 7 GVIHMX WGSVI • 2S QE\ SR ƼRERGIH TVSTIVXMIW • (7'6 -8-2 ƼRERGMRK STXMSRW • International income accepted

MORE THAN JUST A LOAN Partner With Us For Your Unique Financial Journey Why Choose NAF Advantage? ;I SJJIV QSVI XLER ƼRERGMRK ;I SJJIV YRHIVWXERHMRK ƽI\MFMPMX] ERH E KIRYMRI TEVXRIVWLMT • We See the Whole Picture. 2SX NYWX SRI HSGYQIRX FYX ]SYV GSQTPIXI ƼRERGMEP WXSV]

• 8VYI 4EVXRIVWLMT We understand your unique situation and goals

• )ƾGMIRX 4VSGIWW Streamlined underwriting designed for non-traditional income

• *PI\MFPI 7SPYXMSRW 4VSKVEQW GEVIJYPP] HIWMKRIH XS QEXGL ]SYV ƼRERGMEP PMJI

Your Path to Homeownership Starts Here

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STEP 1: Connect & Share

STEP 2: Review & Recommend

STEP 3: Qualify & Achieve

6IEGL SYX XS HMWGYWW ]SYV YRMUYI ƼRERGMEP WMXYEXMSR ERH homeownership goals. We’ll listen and understand your needs.

;IƅPP VIZMI[ ]SYV ƼRERGMEP TMGXYVI and recommend the NAF Advantage program that best ƼXW ]SYV WMXYEXMSR

Get pre-approved and start your NSYVRI] XS[EVH LSQIS[RIVWLMT or growing your investment TSVXJSPMS [MXL GSRƼHIRGI

LET’S CONNECT Ready to explore your options?

Dave Hohe Sales Manager

618-407-5564 Dave.Hohe@nafinc.com NAF.com/DaveHohe