what is

platinum@

We are invested in the opportunity to work with you in 2012.Find out how we support the best Real Estate/Lender relationship in Chicagoland.

Priority Pricing Priority ClosingPriority Underwriting• •

y Only 3.5% down payment required

y 100% Gift for Down Payment

y More flexible credit guidelines making it easier to qualify

y 620 FICO score for purchases

y Competitive market rates

y No income restrictions

y Limited tradelines needed

y Able to lend on subject property when it is being resold within 90 days of previous acquisition

Buying a new home has become easier with FHA Loans

y LPMI Option-95% LTV for loans up to $417K-90% LTV for loans up to $625.5K-80% LTV for loans up to $1M

y Allows for first-in condos up to 75/80% CLTV

y ARM products available up to $2M

y Primary and 2nd Homes

y Purchase and Rate/Term 80/90% LTV up to $500K

y Interest Only option up to $1M

Who said there’s no Jumbo Lending?

5%Guaranteed Rate now allows

down conventional financing, now with a score as low as 680.

Guaranteed Rate will also allow buyers to qualify for 95% financing with a debt ratio of 45%. Most lenders are much more restrictive. If any of your buyers have been on the sidelines due to credit score and debt ratio, have them give me a call for a no cost preapproval.

Guaranteed Rate was a market leader bringing 5% down conventional financing back and is again leading the way to get more of your buyers approved.

More Products, Greater Flexibility and In-House Operations = Fast Closings

Lincoln ParkVP Assigned:Jamie Franz773.255.1600Bob Carr773.328.6643

LakeviewVP Assigned: Jamie Simpson773.290.0525Mike Murray773.290.0518Steve Smith773.290.0480

Bucktown VP Assigned: Joe Caltabiano773.290.0335Mike Nielsen773.435.7920Drew Boland773.290.0583

StreetervilleVP Assigned: Adam Kamarat847.592.9204Erik Johansson847.592.9186

WinnetkaVP Assigned: Brian Jessen847.943.2169

EvanstonVP Assigned: Jo Ann Theirault-Fazio 847.972.5704

Lake ForestVP Assigned: Liz Starks847.909.3780

River NorthVP Assigned: Mike Gambatese 773.290.0416Leo Neidetcher 773.328.6620

Highland ParkVP Assigned: Ben Cohen773.654.2055

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NMLS (Nationwide Mortgage Licensing System) ID 2611 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932