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Mortgage Payment Options for 123 Main St. - Anytown, NY 12345 Pacor Mortgage Corp Oak Lawn

Kevin Lanham (773) 881-7744 kevinl@pacormortgage.com

BancGroup Mortgage Oak Lawn

Dan Rogers (708) 430-0300 drogers@bancgroup.org

Personalize Your Mortgage

Estimated Sales Price: 30 YR FX 15 YR FX 30 YR FX 15 YR FX $ Mortgage Paymt: $1,581 $2,202 Mortgage Paymt: $1,559 $2,202 Taxes: (Estimated) $454 $454 Taxes: (Estimated) $454 $454 Down Payment: Insurance: $70 $70 Insurance: $70 $70 Amount or Percent Assessments: $0 $0 Assessments: $0 $0 $ PMI: $0 $0 PMI: $0 $0 Total Paymt: $2,104 $2,726 Total Paymt: $2,082 $2,726 Est. Income Req.: $87k $113k Est. Income Req.: $86k $113k Asking Price of $362,900 with a Down Payment of 20.0% and a Loan Amount of $290,320 for 123 Main St. - Anytown, NY 12345. Loan Payments are subject to changing Interest Rates. Click Get Details for required disclosures and more information. Click here for relationship disclosure

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TOTAL COST ANALYSIS Prepared by Kevin Lanham April 2, 2010

4544 W. 103rd Street Suite 201 Oak Lawn, IL 60453 Tel (708) 612-8997 kevinl@pacormortgage.com Fax (866) 290-3335 www.kevinlanham.com/blog Prepared For: John & Sally Homebuyer 123 Main Street Oak Lawn, IL 60453 S U M M A RY

SUMMARY

1ST MTG.

Program Name Loan Amount Interest Rate Term (months) Payment Mtg. Ins.

$246,875 5% 360 $1,325 $113

$237,500 5.375% 360 $1,330 $186

$225,000 5.375% 360 $1,260 $116

$200,000 5.375% 360 $1,120 $0

Monthly Pmt.

Current value $250,000, appreciation assumption 0%

Net Savings Total Cash To Close

$12,750

$16,500

$29,000

$54,000

60 MONTHS ANALYSIS

T OT A L COS T A N A L Y S IS

TOTAL COST ANALYSIS

Program Name Total Payment Principal Paid Int & MI Paid Balance Left Closing & Points

$86,306 $20,173 $66,133 $226,702 $4,000

$90,958 $18,273 $72,686 $219,227 $4,000

$82,571 $17,311 $65,260 $207,689 $4,000

$67,197 $15,388 $51,809 $184,612 $4,000

M OR T GA GE P L A N W I T H A S S E T A CCU M U L ATION

15 YEARS 30 YEARS

Opening Balance Monthly Amount Rate of Return

$0 $0 0%

$0 $0 0%

$0 $0 0%

$0 $0 0%

Home Value Loan Balance Equity

$250,000 $167,588 $82,412

$250,000 $164,095 $85,905

$250,000 $155,458 $94,542

$250,000 $138,185 $111,815

$250,000 $0 $250,000

$250,000 $0 $250,000

$250,000 $0 $250,000

One of the most important metrics to consider when selecting the right Mortgage Plan for you, is how long you plan on living in the home or what is your loan retention time going to be. The table on the left compares the true total cost of each mortgage plan based on a pre determined comparison period.

MORTGAGE PLAN WITH ASSET ACCUMULATION

Program Name

Home Value Loan Balance Equity

This Section overviews your monthly payments for each prospective Mortgage Plan. Please note, the payments shown do not include any Escrows that may be collected with your payment.

$250,000 $0 $250,000

This Mortgage Plan is designed to help you make an informed decision on a mortgage integrated with your overall financial plan. This example displays an estimated Real Estate value combined with potential investment account growth.

Based on the 2 metrics listed above, the Mortgage Plan in column titled 'Conv 20% Down' has the potential to create the most wealth in 15 yrs.

Based on the 2 metrics listed above, the Mortgage Plan in column titled 'Conv 5% Down' has the potential to create the most wealth in 30 yrs.

NOTICE AND DISCLAIMER : The results above are based on (i) information provided by you, (ii) estimates of interest rates, your ability to save, your tax bracket, closing costs and other amounts, (iii) currently available loan programs and (iv) information and assumptions discussed with your advisor; all of which might change over time. If the information or assumptions are not correct or change, then the results above will change. Your advisor will provide additional information about costs, fees and other information required by state and federal law.


TOTAL COST ANALYSIS Prepared by Kevin Lanham April 2, 2010

4544 W. 103rd Street Suite 201 Oak Lawn, IL 60453 Tel (708) 612-8997 kevinl@pacormortgage.com Fax (866) 290-3335 www.kevinlanham.com/blog Prepared For: John & Sally Homebuyer 123 Main Street Oak Lawn, IL 60453

Value Equity (%)

FHA 3.5% Down 1st Mtg 2nd Mtg $250,000 3.500 %

Loan Amount Loan Type Interest Rate Term Closing Points APR Principal & Int. Mtg. Ins.

Total P&I

Conv 20% Down 1st Mtg 2nd Mtg

$250,000 5.000 %

Conv 10% Down 1st Mtg 2nd Mtg $250,000 10.000 %

$246,875 Fixed 5.000 % 360 $4,000 0.000 % 5.347 %

$237,500 Fixed 5.375 % 360 $4,000 0.000 % 5.526 %

$225,000 Fixed 5.375 % 360 $4,000 0.000 % 5.534 %

$200,000 Fixed 5.375 % 360 $4,000 0.000 % 5.554 %

$1,325 $113 $1,438

$1,330 $186

$1,120 $0

$1,516

$1,260 $116 $1,376

$1,120

$0 $60 $250 $0

$0 $58 $250 $0

$0 $55 $250 $0

$0 $49 $250 $0

$1,749 N/A $1,749

$1,824

$1,419

$1,824

$1,681 N/A $1,681

$0 0.000 % $0

$0 0.000 % $0

$0 0.000 % $0

$0 0.000 % $0

Conv 5% Down 1st Mtg 2nd Mtg

$250,000 20.000 %

Index Margin LifeCap Scenario First Adj Cap First Adj Mos Adj Cap Adj Month HOA Haz Ins. Prop Taxes Other

Pymt. Adjust. Adj Cap % Adj Cap (Mos) Recast Prd/Stop Max Balance

PITI Term Reduction

Total PITI Mo. Asset Accu. Asset Accum. Int. Rate Asset Accum. Open

N/A

N/A

$1,419

NOTICE AND DISCLAIMER : The results above are based on (i) information provided by you, (ii) estimates of interest rates, your ability to save, your tax bracket, closing costs and other amounts, (iii) currently available loan programs and (iv) information and assumptions discussed with your advisor; all of which might change over time. If the information or assumptions are not correct or change, then the results above will change. Your advisor will provide additional information about costs, fees and other information required by state and federal law.


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