Welcome. (Client Name), To the (Team Name) Home Buying Experience!

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1 Will Do. 333 Simonton, Suite 200 Conroe, TX Office: (832) Welcome (Client Name), To the (Team Name) Home Buying Experience! Can Do. Our Concierge Program is a special process designed for you, the home buyer. The program provides unique services and strategies to simplify the mortgage process and help achieve your personal and financial goals.

2 Welcome Home Congratulations and welcome to the home buying process! You ve just taken a key step toward purchasing your dream home selecting the lender who is right for you. Buying a home is an important financial investment and one that requires the support and knowledge of true professionals who are on your side. Our Team is here to make it easy for you. It s our responsibility to keep you informed throughout the loan process and to help ensure you re comfortable at each step. My philosophy is to provide an informative and educational approach to the home buying process and to leave you feeling great about our partnership. The following information is designed to guide you through the home buying process, let you know what to expect at each step and preemptively answer any questions you might have along the way. I hope you find it helpful and refer to it often over the next several weeks. All the best, Charles Aubrey Goodwin

3 Meet the Team Charles Aubrey Goodwin Executive Loan Advisor Cell: Lisa Shaver Marketing Director Cell: Initial client consultation regarding products and your needs. General market condition discussions. Rate locking. Oversees team and reviews your loan in our daily team meeting to ensure your loan is scheduled to close on time. If a purchase, Charles will communicate with buying agent/listing agent weekly to ensure everyone is informed. Manages Sales, Marketing and Advertising. Assists Charles with client appointments. Weekly communications with business partners. Walt Hillegeist Loan Analyst walt@kgcm.com Analysis of client s information to determine loan type and program eligibility. Review and interpretation of income/asset information for qualification. Secure preliminary automated underwriting approval through Fannie Mae, Freddie Mac, FHA Total Scorecard, or USDA GUS engines. Hunter Lonon Loan Partner hunter@kgcm.com Enters preliminary information from the client by phone or online. s client initial needs list of documentation after receiving preliminary information. Collects all documentation from client by mail, fax or couriered. Angela Zachry Loan Coordinator angela@kgcm.com Prepares loan packages for submission to underwriting. Corresponds with the client throughout the process as to what is needed from them and/or what stage their loan is in. Orders all disclosures and appraisals. Christina Hernandez Loan Processor christina@kgcm.com Submits files to underwriting. Clears conditions. Requests closing documents and manages loan through title to funding. Tanya Sanders Loan Processor tanya@kgcm.com Submits files to underwriting. Clears conditions. Requests closing documents and manages loan through title to funding. Stacey Olivo Loan Processor stacey@kgcm.com Submits files to underwriting. Clears conditions. Requests closing documents and manages loan through title to funding.

4 Process Making Offers Getting into Contract Submitting Underwriting Appraisal Clear to Close Funding Receiving Keys! MAKING OFFERS Our Team will analyze your documents and pre-qualify you to purchase a home. We will then issue you a formal pre-qualification letter to submit with your offer(s) to show sellers and listing agents that you are a serious buyer. When it comes to deciding how much to offer for a home, your REALTOR will be able to advise you on what may sell for by analyzing comparable market trends and pending sales within the area. That knowledge will allow you to decide on a fair offer and, when paired with your pre-approval letter, will help make your offer as competitive as possible. We will also make it a point to proactively reach out to the listing agent to press the importance of your offer getting accepted. GETTING INTO CONTRACT After a seller selects your offer, your REALTOR will notify and congratulate you. You are now officially in contract! The clock starts ticking at this point and the loan process has begun. Any contingencies written in your contract will need to be met within the timeframe specified in your offer. A contingency is a condition or clause for certain items such as inspections, appraisal, and financing approval. Once released, you are saying you are satisfied with those particular conditions. This is why it is important to have a Loan Advisor you trust so you are able to meet these deadlines on time.

5 Process Making Offers Getting into Contract Submitting Underwriting Appraisal Clear to Close Funding Receiving Keys! DISCLOSURES & SUBMITTING YOUR LOAN After you receive your ratified contract, you or your REALTOR will send a copy to us so we can we can begin your loan process. After your REALTOR Opens Title, we will then discuss locking in your interest rate and we will send over disclosure forms for you to sign. disclosures will contain information regarding lender laws, terms of your loan, and details about closing costs and prepaid items. After you sign the disclosures and your documents are received, we will work with a Loan Coordinator and Processor who will prepare your file for submission for an Underwriter s review. UNDERWRITING YOUR LOAN The Underwriter will analyze your financial documents, overall strength and risk associated with your loan file. In their decision, they will review your credit history, assets, income, and debt-to-income ratios. Within their analysis, the Underwriter will make sure your total debt ratio falls within lender and investor guidelines. Once approved, we will send over a list of conditions necessary to satisfy your loan approval. There will also be some internal conditions such as verifying your tax filing records with the IRS (known as a 4506T form), verification of employment information, and receipt of your completed appraisal. Be sure to send requested conditions back to us in a timely manner since these items will need to be sent back to the Underwriter for a final review and sign off of your loan.

6 Process Making Offers Getting into Contract Submitting Underwriting Appraisal Clear to Close Funding Receiving Keys! YOUR APPRAISAL After the appraiser inspects your home, you will receive a copy of the completed appraisal report which will let you know the appraiser s value of the home. The Underwriter will review the appraisal for accuracy and sign off the report. CLEAR TO CLOSE & SIGNING LOAN DOCUMENTS After the Underwriter receives your final loan conditions and completed appraisal, they will clear your file for closing. We will confirm the final terms of the loan and order your loan documents which will be ready for you to sign. signing appointment will be coordinated with either the Escrow Officer or a licensed notary. We will proactively help set a time convenient for you. You will need to bring any remaining funds for your down payment contribution and closing costs to the signing. We will let you know the final amount due and how it should be paid (typically via wire or a cashier s check). Before you sign, you will have the option to complete a final walk through of the home with your REALTOR. After the walk through, your REALTOR will advise on releasing any remaining contingencies.

7 Process Making Offers Getting into Contract Submitting Underwriting Appraisal Clear to Close Funding Receiving Keys! FUNDING YOUR LOAN After you sign, your Escrow Officer will required documents for funding to the assigned funder for review. The Funder will sign off on any remaining conditions for the loan and issue funding approval. The Escrow Officer will then disburse the funds to the appropriate parties and conclude the transaction. RECEIVING YOUR KEYS! Congratulations! We will continue to stay in contact with you and will always be available to answer any questions you have relative to your mortgage or financial concerns. We appreciate your business and value you as a satisfied client!

8 Tips for a Smooth Close of Escrow These Do s and Don ts will help avoid delays and ensure an effortless loan process and approval. We re here to help make the loan process as smooth as possible. Please let us know if you have any questions as we work toward getting your loan approved. DO Immediately inform our team of any change in the status of your employment, income, or assets Continue living at your current residence Continue making your mortgage or rent payments Stay current on all existing accounts DO NOT Make major purchases using credit cards or accounts you ll be using to close Apply for new credit or loans Make any large deposits to your checking or savings accounts that aren t payroll related Close or max out credit accounts Change bank accounts or transfer balances from one account to another Change your source of closing funds

9 What Do Our Past Clients Have to Say? Client Testimonials My wife & I have tried for years to purchase our own home. We could never make it happen. Charles & his staff made our dream come true! They helped us every step of the way & made the process as simple as it could possibly be for us! They have been such a blessing to us! -- Charles & Cindy Miller, First time Homebuyer Buying our first home felt a bit daunting, until we met Charles and his team. They held our hand through the whole process. Now we have been in our house for almost a full year and we couldn t be happier! -- Dane & Maria Bostick, First Time Homebuyers Hey Charles, I just wanted to say thanks for everything y all have done for me and my family we are loving the place. -- Robert Madden I just want to say THANK YOU to Jay Abeya and happy funding day! You always go above and beyond! You treat all of my clients with respect regardless of the size of the loan. communication skills exceed your peers and surpass the competition. You are an award winning lender, and it shows in every transaction I work with you. Thank you for being you! -- Kimberly Stephens, Re/Max 1st Source Hi Rod, I just wanted to thank you again for being so much help and just awesome all around in this process. It is a blessing to have you in my corner and in my life. God is awesome! I will make sure to recommend you to anyone who is looking for a loan officer in the future. Again, thank you and I pray you and your family have an awesomely Blessed Christmas and I pray blessings of prosperity and favor for you in Brenda Minix -Davis