Builder Packet - Eric Kulbe

BUILDER Marketing Packet

TABLE OF CONTENTS

01 02 03 04 05 06 07 08 09 10 11 12

Synergy One Lending, Inc. | NMLS # 1907235

WHO WE ARE WHY S1L VISIONS AND VALUES OPERATIONAL EXCELLENCE PRODUCTS WE OFFER ONE-TIME CLOSE CONSTRUCTION ONE-TIME CLOSE PROCESS LOCK AND SHOP EXTENDED RATE LOCK CONDO DEVELOPMENT JUMBO / SUPER JUMBO CO-MARKETING FLYER

WHO IS

SYNERGY ONE

LENDING? Synergy One Lending is committed to simplifying the home buying experience •

Offering best-in-class digital mortgage technology to streamline the process

•

Dedicated to closing loans on time, every time with no exceptions and no excuses

•

Offering a broad set of mortgage products and options

Synergy One Lending is helping create the modern mortgage experience for you and your clients. Our mission is to be known as the nation’s #1 lender in three distinct areas: customer satisfaction, employee morale & retention and reputation among our peers.

FHA, VA and USDA Loan Programs

Broad Jumbo Product Offering

Down Payment Assistance Available

Digital Mortgage Business Strategies

Synergy One Lending, Inc. | NMLS # 1907235

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S1L? We understand builder business and we’re the final piece to your tool set

•

S1 Connect allows buyers to complete their application, upload documentation securely, and receive updates in real time directly from their mobile phone

•

Marketing — we offer co-marketing brochures, flyers and emails

•

Digital Marketing Solutions We will help promote the community through video and social media channels

•

Homebot home equity monitoring Your buyers get to watch their investment increase

Synergy One Lending, Inc. | NMLS # 1907235

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VISION AND

VALUES OUR MISSION To humanize and modernize the home lending experience

OUR VISION To be the nation’s #1 lender by creating 01 Delighted Customers

02 Inspired Employees

03 A Pristine Reputation

O U R C O R E VA L U E S

HONESTY

TRANSPARENCY

Synergy One Lending, Inc. | NMLS # 1907235

EXCELLENCE

INNOVATION

EMPOWERMENT

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OPERATIONAL EXCELLENCE

Synergy One’s best in class operations platform, a combination of experience and automation, keeps your buyers on the fast track to homeownership. With important features such as:

•

Day 1 Certainty – closing their home loan faster

•

Digital Verification of Assets, Income and Employment

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Local Fufillment Teams to create stronger client relationships

•

Dedicated Condo and Jumbo Loan Specialists

Synergy One Lending, Inc. | NMLS # 1907235

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No matter what home your buyers are looking to buy or build

WE OFFER THE PRODUCTS TO MEET THEIR FINANCING NEEDS Conforming Fixed and Adjustable Rate FHA, VA and USDA Jumbo and Super Jumbo Non-QM and Down Payment Assistance Condos (Warrantable and Non-Warrantable) One-Time Close Construction Blockchain HELOC

Synergy One Lending, Inc. | NMLS # 1907235

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ONE-TIME CLOSE CONSTR U CT IO N

Building Your Buyer’s Dream House is Easier with a One Time Construction Loan • • •

Conforming, High Balance and Jumbo Loan Amounts Primary Residence - Owner Occupied Only Single closing construction

Conforming and High Balance • • • •

90% LTV construction loans for conforming and high balance Conforming can go as low as 700 credit score and max LTV is reduced to 70% 9 or 12 months of construction financing followed by a 15 or 30 year fixed rate mortgage Purchase - May include acquisition of lot

Jumbo • • •

80% LTV up to $1.5M or 70% LTV up to $2.5M 720 Minimum credit score 12, 18 or 24 months of construction financing followed by a 30 year fixed rate mortgage

PAGE 1 Synergy One Lending, Inc. | NMLS # 1907235

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ONE-TIME CLOSE PROCESS

STEP 1

STEP 2

STEP 3

Builder Eligibility

Contract Preparation

Contract Signed

STEP 6

STEP 5

STEP 4

Loan Closes

Synergy One underwrites the borrowers credit package

Lenders construction management team reviews construction project

STEP 7

STEP 8

STEP 9

Construction Begins

Project Complete

Modiification of final terms — will not include any additional fees

Let’s have a conversation about your client’s new construction home goals.

Synergy One Lending, Inc. | NMLS # 1907235

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LOCK AND SHOP P R O

G

R

A

Days

Up-Front Fee

Rate Add-On

90

0%

0.375 %

Eligible programs: · Conforming Fixed · FHA/VA Fixed · Conforming Fixed High Balance · FHA/VA Fixed High Balance

Synergy One Lending, Inc. | NMLS # 1907235

M

The Lock and Shop Program allows buyers to lock an interest rate for up to 90 days while they shop for a property.

Float Down Option is available once the buyer has a signed purchase agreement, assuming current market rates are better than original rate lock.

The Loan must have a Pre-Approval from Underwriting Float Down Option After the buyer has a signed purchase agreement and current market rates are better, S1L is offering a one-time only Float Down Option. The new lock will use the current 60 day pricing for a new 30 day lock period. A 45 day lock period is available for 0.125 point adjustment to the 60 day price. The Float Down must occur within 3 days of the signed Purchase Agreement.

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E X T E N D E D R AT E LO C K P R O G R A M The Extended Rate Lock Program allows your buyer’s to lock an interest rate for up to 360 days by paying an up front fee along with an interest rate adjustment. The up-front fee is non-refundable and will be credited back at closing, unless the buyer decides to cancel their loan. If the loan is declined by underwriting, we will refund the buyer. A float down option is available within 30 days of funding.

Available programs: · Conforming Fixed · FNMA HomeReady · FHLMC Home Possible · FHA, VA & USDA Fixed · Conforming Fixed High Balance (max 180 days) · FHA/VA Fixed High Balance (max 180 days)

Days

Up-Front Fee

Rate Add-On

90

0.250 %

0.250 %

120

0.375 %

0.375 %

180

0.625 %

0.500 %

240

0.750 %

0.750 %

360

1.000 %

1.000 %

Float Down Option

Up-Front Fee

A one-time only float down option is available.

The float down must occur within 30 days of closing. The Float Down must occur prior to the release of the Closing Disclosure (CD) .

The Up-Front fee is a % of the loan amount as shown above. It is non-refundable and will be credited back at closing, unless the buyer decides to cancel their loan.

Fees should be delivered by check to the following address within 48 hours of rate lock: 3131 Camino Del Rio N #150 San Diego, CA 92108

Synergy One Lending, Inc. | NMLS # 1907235

PAGE 09

SEEKING A FEATURED LENDER FOR YOUR CONDO DEVELOPMENT OR CONVERSION? We have the products and expertise for you and your buyers!

Non-Warrantable •

Credit scores as low as 680

•

Jumbo Loans Only

•

Primary and second homes only

•

Space for commercial use up to 50%, restaurants and other services may be onsite

•

A wide array of amenities depending

Agency •

Credit scores as low as 620

•

Conventional loan

•

Maximum debt-to-income ratio of 50%

•

Owner occupied 5% down

•

Second home 10% down

•

Investment purchase 15% down

Agency 97 •

Credit scores as low as 620

•

Conventional loan

•

Fixed options available

•

Maximum debt-to-income ratio of 50%

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Owner occupied 3% down

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First time homebuyer

Synergy One Lending, Inc. | NMLS # 1907235

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JUMBO

LOA N

LOAN PROGRAM •

90% up to $1,500,000 with no Mortgage Insurance

•

Loan sizes up to $3,000,000

•

Special programs available for medical professionals

•

Cash out up to $500,000 on Primary residences, Second homes and Investment opportunities

•

15, 20, 25, and 30 year fixed home rates

SUPER JUMBO LOAN PROGRAM

Super Jumbo loans for Owner Occupied or Second Home Purchases and Rate/Term Refinances Fully Amortized or Interest Only Fixed Rate and ARM’s 70% LTV - $5MM | 720 Min Fico, 45% DTI, 24 mos. Reserves 65% LTV - $5MM | 680 Min Fico, 45% DTI, 36 mos. Reserves *LTVs apply to purchase and rate term refinance loans only PAGE 1 Synergy One Lending, Inc. | NMLS # 1907235

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TIME TO B U Y W I T H

SYNERGY ONE LENDING

Synergy One Lending will be your partner as you take control of your future.

Build equity, credit and get back tax benefits by purchasing your own home.

We are offering a $1,500 incentive off closing costs for ABC Homes

ABC HOM ES *Please consult your Synergy One Lending Loan Officer for information regarding specific terms and rate lock extensions. **Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Synergy One Lending is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. ***May not be redeemed for cash. One 0.625% discount on closing costs per loan up to $1,500. 0.625% determined by the loan amount. Discount will be applied as a lender credit on a Closing Disclosure at closing. Loan must close and fund with Synergy One Lending. Offer not available on bond loans. Special incentive offer subject to change without notice. This offer not valid with any other incentives or discounts. Borrower is responsible for the down payment. Loan must close on or before December 31, 2021. Promotion expires December 31, 2021. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Synergy One Lending, Inc., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108. Toll Free #: (888) 995-1256. Synergy One Lending, Inc. is licensed in the following states: AZ,, CO. All Loans are Subject to Credit and Property Approval.

Equal Housing Lender. www.nmlsconsumeraccess.org

Synergy One Lending, Inc. | NMLS # 1907235

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Eric Kulbe

VP, Production NMLS #283875

P (303) 717-0293 E name@S1L.com E ekulbe@s1l.com Synergy One Lending, Inc., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108. Toll Free #: (888) 995-1256. Synergy One Lending, Inc. is licensed in the following states: AK, AL, AR, AZ, CA- Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act., CO, CT, DC, DE, FL, GA- Georgia Residential Mortgage Licensee., IA, ID, IL- Illinois Residential Mortgage Licensee., IN, KS, KY, LA, MA-Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC1907235, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ- licensed by the N.J. Department of Banking and Insurance, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, WA, WI and WY. All Loans are Subject to Credit and Property Approval. Equal Housing Lender. www.nmlsconsumeraccess.org S1L072123

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