NEED HOME FINANCING? LOOK NO FURTHER.

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1 NEED HOME FINANCING? LOOK NO FURTHER. WELCOME TO THE NEXT CHAPTER IN YOUR LIFE. Your dream home awaits.

2 INTRODUCING THE RODD MILLER GROUP AT PACIFIC RESIDENTIAL MORTGAGE Pacific Residential Mortgage (PRM) is a leading Northwest Mortgage Bank with an enviable reputation for outstanding customer service. Recognized as one of Oregon s 100 Best Companies, our loan processing is done locally and in-house for the most secure and streamlined lending process. PRM s strength and resources enable The Rodd Miller Group to offer a wide variety of lending options to their clients, allowing them to create home financing solutions to match their clients' individual needs. As the Senior Mortgage Banker of The Rodd Miller Group, Rodd has been a mortgage banker for over 20 years. He is able to offer his customers FHA, VA, and conventional loan products, as well as other niche products such as the RuraLiving Home Mortgage Program, USDA*, ODVA, Reverse Mortgages, and construction loans. The Rodd Miller Group pays careful attention to their valued clients and customers, making sure all their needs are met and the whole process runs smoothly. Rodd Miller NMLS-37965, Sr. Mortgage Banker Conducts initial meeting with clients and guides them through the pre-approval process Consults with clients to ensure the proper loan program is selected and structured to meet the client s unique needs Oversees team and reviews client loans in daily team meetings to make sure loans are on track and scheduled to close on time Sonja Ferestad NMLS , Loan Manager Manages process flow on all transactions to ensure deadlines are met Collects required documentation to meet underwriting guidelines Maintains communication with clients and real estate agents to provide status updates and coordinate the closing process Melissa Brewer NMLS , Processor Engages with third parties for the receipt of required loan documents (appraisals, title reports, employment verification, etc.) Creates critical milestones to ensure transactions record on or before the scheduled closing date Assists with the preparation and collection of disclosure documents * Some state and county maximum loan amount restrictions may apply.

3 PRE-APPROVAL CHECKLIST We would like to take this opportunity to thank you for choosing Pacific Residential Mortgage to help assist you in the financing of your home. In order to start the pre-approval process, please gather and return the following items at your earliest convenience: Most current pay check stub(s) covering the last 30 day period; for self-employed applicants, a year-to-date profit & loss statement is required (for all businesses owned) Last two years W-2s or 10s Last two years federal tax returns (personal and corporate, if applicable), please include all pages and all schedules. Please sign page 2 of the return(s) Most recent statements for all assets covering the last 60 days, including bank accounts, investment accounts, and retirement accounts (such as IRAs/401(k)s etc.). Please include all pages, even if blank A legible copy of your driver s license, both front and back (pictures taken with a smart phone work very well) Bankruptcy papers (if applicable within the last 7 years) Divorce decree (if applicable), including any support orders The name and telephone number of your homeowner s insurance agent for all properties owned (if applicable) Provide current rental/lease agreement (if financing an investment property) A copy of each of your last mortgage loan statement(s) (if applicable) Once all of these items are received, we can move forward together with your loan pre-approval.

4 DOS AND DON TS At Pacific Residential Mortgage, we are committed to helping you through the mortgage financing process. Whether you re refinancing an existing home or purchasing a new one, get pre-approved by one of our trusted mortgage advisors. Here are a few important things to know: DOs Save and provide Most current pay stubs, last 2 year s federal tax returns (all pages, all schedules), W-2s/10s, and other income documentation Current debt including: creditor s name, monthly payment, and balance If applicable, a complete and final copy of your divorce decree Explanations for any (current/pending) derogatory credit, judgments, or liens Most recent asset statements including: bank, brokerage, mutual funds, and retirement accounts DON Ts Before or during the loan process Quit or change jobs Increase current credit balances Open or apply for any new credit accounts Dispute or close any items on your credit report Forget to make your payments on time Transfer or deposit large sums of money Make any cosmetic or structural changes to the property Source of non-payroll deposits Evidence of 60 days seasoned, liquid assets for funds to close Gift fund documentation including proof of donor s ability to gift, gift letter, copy of gift check, and proof of gift deposit PUTTING OUR CLIENT S INTEREST FIRST IS TOP PRIORITY. As your advocate and trusted advisor, you can expect: A superior level of knowledge and experience Exceptional customer service Your home financing goals to be achieved

5 WHAT ARE PEOPLE SAYING? Rodd and Sonja were extremely helpful at every step of the process. It made a stressful experience much easier to understand and navigate. Thank you! David L., Sandy, OR Rodd was very informative throughout the entire loan process. This was my first home purchase as a self-employed person and I felt comfortable throughout the entire transaction. I highly recommend Rodd & his team! Heidi H., Aloha, OR Rodd and his group are amazing. The purchase of a home is stressful and can be challenging. Rodd and his group remove all of those barriers. Thank you. Marcus P., Hillsboro, OR I ve had a wonderful experience. Rodd and his team have been very helpful and responsive. I have felt very comfortable asking questions and understand the answers, because the answers are given in an easy to understand way. Thank you for help me make my dream come true. Laurita C., West Linn, OR THANK YOU FOR CHOOSING The Rodd Miller Group at Pacific Residential Mortgage