Own a Home Opportunity. Own a Home Opportunity Grant. Broward, Charlotte, Collier, DeSoto, Lee, Palm Beach, Sarasota, St. Johns & Volusia Counties

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1 Broward, Charlotte, Collier, DeSoto, Lee, Palm Beach, Sarasota, St. Johns & Volusia Counties Own a Home Opportunity Own a Home Opportunity Grant o 30-year Fixed Rate First Mortgage. o $7,500 in Down Payment & Closing Cost (Palm Beach borrowers will receive $10,000) Assistance in the form of a 30-year deferred, 0% Interest second mortgage, never forgiven. PROGRAM QUALIFICATIONS Borrower/s must be first-time buyers. Borrower must purchase home in Charlotte, Collier, DeSoto, Lee, Palm Beach or Sarasota Counties. Minimum FICO of 660. Income Limits Charlotte $93,750 Collier $112,500 DeSoto $93,750 Lee $95,550 Palm Beach $111,450 Sarasota $105,450 All Household Sizes Purchase Price Limits Charlotte $271,165 Collier $415,058 DeSoto $271,165 Lee $271,165 Palm Beach $317,646 Sarasota $275,294 Purchase Price Limit o o 30-year Fixed Rate First Mortgage. 3%, 4% and 5% in Down Payment & Closing Cost Assistance in the form of a non-repayable Grant. PROGRAM QUALIFICATIONS Borrower/s do NOT need to be first-time buyers. Borrower must purchase in Broward, Charlotte, Collier, DeSoto, Lee, Palm Beach, Sarasota, St Johns or Volusia Counties. Minimum FICO 640. Income Limits Broward $98,550 Charlotte $93,750 Collier $112,500 DeSoto $93,750 Lee $95,550 Palm Beach $111,450 Sarasota $105,450 St. Johns $104,850 Volusia $93,750 Purchase Price Limits Broward $317,647 Charlotte $271,165 Collier $415,058 DeSoto $271,165 Lee $271,165 Palm Beach $317,646 Sarasota $275,294 St. Johns $316,589 Volusia $271,165 All Household Sizes Purchase Price Limit

2 Affordable Income Subsidy (AIS) Grant Additional down payment assistance is available for borrowers who qualify for the Own a Home Opportunity Program OR the Own a Home Opportunity grant Program, with lower income limits. The borrower must utilize the Freddie Mac conventional loan offered in either the Own a Home Opportunity Program OR Own a Home Opportunity Grant Program to be eligible for the additional assistance. A borrower with income at or below the following, may receive an additional $1,500 grant for down payment and closing cost assistance. Broward $52,560 Charlotte $46,640 Collier $60,000 DeSoto $41,680 Lee $50,960 Palm Beach $52,560 Sarasota $56,240 St. Johns $55,920 Volusia $44,080 A borrower with income at or below the following, may receive an additional $2,500 grant for down payment and closing cost assistance. Broward $32,850 Charlotte $29,150 Collier $37,500 DeSoto $26,050 Lee $31,850 Palm Beach $32,850 Sarasota $35,150 St. Johns $34,950 Volusia $27,550 The AIS Grant assistance is never repaid If you determine you qualify for additional assistance, please contact a participating lender found within this flyer.

3 Own a Home Opportunity Program and Own a Home Opportunity Grant Program and Own a Home Opportunity Mortgage Credit Certificate Program Active Participating Loan Officers (SP) = Spanish Speaking Company Name Phone Number All In One Mortgage Lenders American Eagle Mortgage Capital Partners Mortgage LLC Capital Partners Mortgage LLC Capital Partners Mortgage LLC Cross Country Mortgage Fairway Independent Mortgage Corporation Fairway Independent Mortgage Corporation Fairway Independent Mortgage Corporation Gold Star Mortgage Financial Group Gold Star Mortgage Financial Group Group One Mortgage, Inc Guild Mortgage Guild Mortgage Guild Mortgage Highlands Residential Mortgage IBERIABANK Mortgage Company IBERIABANK Mortgage Company New American Funding (SP) Sylvia Esteve NMLS: ID Tony Yuhas NMLS: ID Caroline Oxamendi NMLS: ID (SP) Melissa Lopez NMLS: ID (SP) Michael Gamboa NMLS: ID Becky Sikorski NMLS: ID Jason Innes NMLS: ID Kelli Causey NMLS: ID Shawna Adkins NMLS: ID Angel Baez NMLS: ID Iris Adames NMLS: ID (SP) Isabel P Acosta NMLS: ID Brian Hafenbrack NMLS: ID Gretchen Shelton NMLS: ID Todd Gierhart NMLS: ID (SP) Andres Gonzalez NMLS: ID Ashley Vaughn NMLS: ID Michelle D'Auria NMLS: ID Eileen Daly NMLS: ID Julie Scott NMLS: ID Karen Gotta NMLS: ID Kristin Hanson NMLS: ID Daniel Bernard NMLS: ID

4 Supreme Lending SWBC Mortgage Corporation Waterstone Mortgage Corporation Christi Moran NMLS: ID Kevin Coleman NMLS: ID Beth Cherry NMLS: ID

5 MyFirstFloridaHome.com Certified Realtor Partner Palm Beach Last Updated Name Company Phone Andrea United Reaty group Dominigues Ashley Palmer Highlight Realty Bernadine Telford Saige Realty Group Bryan English Christina Mione De Erika Watson Delano Bailey English Real Estate Group, LLC Florida Premier Realty of the Palm Beaches Fire Side Real Estate Tampa Bay Keller Williams Realty, Inc Dominick Andreula House Pro Realty Emmanuela Pierre Frandy Louis Jody Hernandez Joseph Bedford Kathie Kime Kelley Kime Selected Homes Realty LLC Selected Homes Realty LLC Luxury Real Estate Group Continental Properties, Inc Palm Beach Real Estate Team Premier Brokers International

6 Leza M Lopez Lorey Mello Louis Duffleurand Keller Williams Preferred Partners South Florida Atlantic Florida Properties Selected Homes Realty lopezleza@yahoo.com lorey@bearluxuryhomes.com duffleurandlouis74@gmail.com Nerlande Baptiste Continental Properties baptiste.nerlande@gmail.com Shavonne Edgecombe Shawn Bhakta Tamara Celeste Ask & You Shall Receive Realty RE/MAX Presidential RE Group Sweet Life Realty Group justaskvon@gmail.com shawnbhakta2012@gmail.com tamara@sweetliferealty.com William Murphey Magna Realty william@mymagnarealty.com Zulma Suarez Potential Property Group zulma@ppgmiami.com