Introducing our NEW. 100% Financing Program!

Doug Kenny From: Sent: To: Subject: Michael Rappaport <mrappaport=newamericafinancial.com@mail29.wdc01.mcdlv.net> on behalf of Michael Rappaport <mrappaport@newamericafinancial.com> Wednesday, August 9, 2017 11:30 AM Doung Kenny Our New 100% Financing Program! Introducing our NEW 100% Financing Program! 1

Your clients can now purchase their dream home with no money down. Our new 100% Financing Program is an affordable housing option created to help home buyers purchase a home with little to no investment. Eligible home buyers can receive down payment assistance, forgivable or softsecond mortgage, with rates as low as 0% to help qualify. Down payment assistance up to 3.5% forgivable or amortized second mortgage Minimum credit requirement of 620 2

30 Year fixed FHA mortgage No first-time home buyer requirement No borrower investment required PROGRAM REQUIREMENTS Description Minimum Borrower Investment Down payment assistance in the form of a second trust. Either a soft forgivable or amortized repayable based on income. $0 3.5% rounded up to the nearest dollar. Down Payment Assistance Soft Secondary Financing available to borrowers with qualifying income < 115% of area median income-per lender contract.* Fully-amortized second mortgages with a term of 10 or 30 years for borrowers with qualifying income < 115% of area median income.* When loan includes a non-occupant co-borrower, qualifying income of only the occupying borrower(s) is used to determine program qualificaitons under AMI limits.* Cash Back to Borrower Borrower Eligibility Loan Requirements Borrower may receive a refund of documented earnest money deposit and other documented third-party costs only One of the borrowers must occupy the property as their primary residence. Non-occupant co-borrowers are permissable. All other FHA guidelines apply. All FHA Guidelines apply per FHA Handbook. AUS approve or strict adherence to manual underwriting guidelines Minimum Credit Score of 620 DTI per AUS findings or follow manual underwriting guidelines Loan must comply with all other FHA underwriting criteria 3

Interest Rates Soft Second Forgiveness FHA First Mortgage-Please refer to daily rate sheet Soft Seconds do not accrue interest Fully-amortized second mortgages with a term of 10 years (0% interest) or 30 years (5% interest). Soft, forgiveable second mortgages will be forgiven after 36 on-time payments of the underlying first mortgage. Let's talk about 100% financing for your client's next purchase. Get In Touch Michael Rappaport New America Financial Corporation 9711 Washingtonian Blvd. Suite 500 Gaithersburg, MD 20878 Office: 301-956-2901 Cell: 301-529-2494 mrappaport@newamericafinancial.com www.newamericafinancial.com Valentina Wilber Personal Loan Consultant NMLS #1053529 New America Financial Corporation 9711 Washingtonian Blvd. Suite 500 Gaithersburg, MD 20878 Office: 301-956-2907 Cell: 336-225-4704 vwilber@newamericafinancial.com www.newamericafinancial.com 4

New America Financial Corporation Mortgage Lender License #ML-183215 9711 Washingtonian Blvd., Ste 500 Gaithersburg, MD 20878 Toll Free: 1-800-531-5363 Fax: 1-888-742-6522 New America Financial is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. New America Financial Corporation is a licensed mortgage lender. The following states require disclosure of licensing information. (If your state is not listed, it doesn t require a specific license disclosure): Massachusetts New America Financial Corporation, Mortgage Lender License #ML 183215; New Jersey New America Financial Corporation, 9711 Washingtonian Blvd., Ste 500 Gaithersburg, MD 20878, (800) 531-5363, Licensed Mortgage Banker NJ Banking and Insurance Department; Pennsylvania Licensed as a first mortgage banker by the Department of Banking and licensed pursuant to the Pennsylvania Secondary Mortgage Loan Act; Virginia New America Financial Corporation, NMLS ID #183215; www.nmlsconsumeraccess.org; New America Financial Corp. Nationwide Mortgage Licensing System Number 183215. To go to the NMLS access page please click here. This email was sent to doug@dougkenny.com why did I get this? unsubscribe from this list update subscription preferences New America Financial 9711 Washingtonian Blvd Suite 500 Gaithersburg, MD 20878 USA 5

Doug Kenny From: Sent: To: Subject: Alterra Home Loans <rgarcialoan@gmail.com> Thursday, August 3, 2017 10:38 AM doug@dougkenny.com 580 Credit Scores. Hi, just a reminder that you're receiving this email because you have expressed an interest in Alterra Home Loans. Don't forget to add rgarcia@goalterra.com to your address book so we'll be sure to land in your inbox! You may unsubscribe if you no longer wish to receive our emails. Alterra Home Loans We Support a 580 Score Do you have a client that is having trouble with: Credit issues (Scores below 640) Short sale complications Foreclosures Bankruptcy Judgements Refinancing Tax Lien's Employment Issues Flips 203K 6

Govt assistance programs If you have difficult or unique deals, we can help you close them. Hablamos Espanol Мы говорим на вашем языке Chúng tôi nói tiếng Việt ASL GOALTERRA.COM APPLY NOW "BUILDING WEALTH THROUGH HOME OWNERSHIP" ROB GARCIA LEAD COORDINATOR / LOAN OFFICER ASSISTANT / JR. PROCESSOR 13861 SUNRISE VALLEY DRIVE, SUITE 250 HERNDON VIRGINIA 20171 CELL PHONE - (703) 901-0775 OFFICE PHONE - (703) 234-1207 FAX - (866) 415-9855 E-MAIL-RGARCIALOAN@GMAIL.COM OR RGARCIA@GOALTERRA.COM Alterra Home Loans, 13861 Sunrise Valley Drive, Suite 250, Herndon, VA 20171 SafeUnsubscribe doug@dougkenny.com Forward this email Update Profile About our service provider Sent by rgarcialoan@gmail.com in collaboration with Try it free today 7

Doug Kenny From: Sent: To: Subject: Vinny Dodson <dodsonmortgage@gmail.com> Thursday, August 3, 2017 10:24 AM doug@dougkenny.com Menu of Products 9

FHA 580+ FICO FHA No FICO FHA High Balance FHA 203K Streamlines USDA VA IRRRL's VA 580+ FICO FHA 100% CLTV GOVERNMENT PRODUCTS PORTFOLIO LOANS ITIN Program Fresh Start Bank Statement Homeowner Access Foreign National Non Warrantable Non Prime Portfolio Select Doctor Loan Program CONFORMING Direct Freddie Mac Direct Fannie Mae Fannie DU Refi Plus Freddie Open Access Fannie Homestyle Fannie Mae Home Ready Freddie Your Path Jumbo Loans Alterra Jumbo Non QM Jumbo NON CONFORMING 10

Vinny Dodson Sales Manager NMLS #: 1611084 Cell: 703 597 6377 Direct: 703 988 6021 Office: 8500 Leesburg Pike #202 Vienna VA 22182 Branch NMLS #1553308 valdodson@goalterra.com Alterra Home Loans is a division of Alterra Group, LLC., NMLS 133739 Alterra Home Loans is an Equal Housing Lender. Alterra Home Loans a division of Alterra Group LLC. located at 350 S. Rampart Blvd Ste 310, Las Vegas, NV 89145, NMLS #133739; Alabama Consumer Credit License #22321; Arizona Mortgage Banker License #0915860; California Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act. DBO Residential Mortgage Lending Act License #4131101; Colorado Mortgage Company Registration Regulated by the division of Real Estate; District of Columbia Mortgage Dual Authority License #MLB133739; Florida Mortgage Lender Servicer License #MLD381; Georgia Georgia Residential Mortgage Licensee #30249; Illinois Illinois Residential Mortgage Licensee, License MB: 6761067; Indiana DFI First Lien Mortgage Lending License 32967; Iowa Mortgage Banker License #2016 0093 & 2016 0094; Kansas Mortgage company License MC.0025464; Maryland Mortgage Lender License #22375; Nebraska Mortgage Banker License NMLS #133739; Nevada Mortgage Banker License #3388 & 3873; Nevada Mortgage Broker License #2916; New Jersey Residential Mortgage Lender License NMLS#133739 Licensed by the N.J. Department of Banking and Insurance; Oklahoma Mortgage Lender License MLO11324; Oregon Mortgage Lending License ML 4879; Pennsylvania Mortgage Lender License #55099; Rhode Island Licensed Lender, NMLS 133739; South Carolina Mortgage Lender / Servicing License MLS 133739 MLS 133739 OTN #1; Texas SML Mortgage Banker Registration NMLS #133739 Texas Recovery Fund notice, Click Here :https://texreg.sos.state.tx.us/fids/201203137 2.pdf ; Virginia NMLS ID #133739, Virginia Mortgage Lender and Broker License #MC 6681; Washington Consumer Loan Company License CL 133739. This is not an offer for extension of credit or a commitment to lend. NMLS consumer access: http://www.nmlsconsumeraccess.org/entitydetails.aspx/company/133739 Vinny Dodson, 8500 Leesburg Pike Ste 202, Vienna, VA 22182 SafeUnsubscribe doug@dougkenny.com Forward this email Update Profile About our service provider Sent by dodsonmortgage@gmail.com in collaboration with Try it free today 11

Doug Kenny From: Sent: To: Subject: National Cooperative Bank <rgreer@ncb.mmsend.com> on behalf of National Cooperative Bank <rgreer@ncb.coop> Wednesday, August 2, 2017 11:07 AM Doug@DougKenny.com NCB Mortgage Loan Rates For Share Loans, Condos & Single Family Homes Click here for web version. NCB Mortgage Loan Rates For Share Loans, Condos & Single Family Homes Rates effective August 2, 2017 Conventional (Loan Amounts up to $424,100) Rate Lock Term Points 30 Year Fixed 4.125% 45 0 15 Year Fixed 3.500% 45 0 5/1 ARM 4.375% 45 0 3/1 ARM 4.250% 45 0 1/1 ARM 3.625% 45 0 Other NCB Products: Cooperative Underlying Mortgages Community Association Capital Improvement Loans Competitive Deposit Rates ARM products for owner occupancy under 51% on a case by case basis, 75% LTV Non Owner Occupied Co-Borrowers, Fixed Rate Products Investment Units, 65% LTV Jumbo ARMs 13

Loans for superintendent units up to 100% financing Need Open House Flyers? Contact: G. Ryan Greer 2001 Pennyslvania Avenue, Suite 625 Washington, DC 20006 TEL (202) 349-7455 EMAIL rgreer@ncb.coop Apply Online at: www.ncb.coop/rgreer NMLS #507534 This message was mailed from: NCB 2001 Pennyslvania Avenue, Suite 625 Washington, DC 20006 Rates shown are for comparison only. Rates may change based on FICO, LTV, and other factors. Rates are subject to change at any time. Call or email us for customized rate quotes. For broker use only. This is not to be distributed to the public. NCB is an Equal Housing Lender. 14

Banking products and services provided by National Cooperative Bank, N.A. Member FDIC. NCB NMLS# 422343. If you wish to unsubscribe to this email, please click here 2011 Crystal Drive, Suite 800, Arlington, VA 22202-3709 (800) 955-9622; (703) 302-8000 15

Doug Kenny From: Sent: To: Subject: Tammi <tlewis@firsthome.com> Monday, July 31, 2017 12:57 PM dougkenny@remax.net Project Reinvest in Baltimore City Hi Douglas. The State of Maryland just announced another great program that can be used with some of the Maryland Mortgage programs. Project Reinvest in Baltimore City will give $10,500 in combination with some of the other monies available through the State of Maryland. All guidelines follow the MMP program except there are lower household income limit as follows: Household size Income limits 1 Person $63,800 2 People $72,900 3 People $82,000 4 People $91,100 5 People $98,400 6 People $105,700 7 People $113,000 8 People $120,300 Example #1: A buyer wants to purchase a home for $200,000. The minimum the buyer has to contribute is 3% for the down payment. The Grant Assist program will cover the ENTIRE down payment. The closing costs are approximately $9,000 and the seller has agreed to give 2.5% or $5,000 and the Grant Assist program gives an additional 1% or $2,000 towards closing costs leaving a balance of $2,000 for the buyer to pay. The buyer can now receive an ADDITIONAL $10,500 so their out of pocket is $0 and they can apply an additional $8,500 towards the down payment. ALL MONIES ARE FULLY FORGIVABLE. Example #2: A buyer wants to purchase a home for $200,000. The minimum the buyer has to contribute is 3% for the down payment. The buyer can use the SELP monies of $5,000 to be applied towards the down payment leaving them to pay an additional $1,000 for the down payment ($6,000 $5,000). The closing costs are approximately $9,000 and the seller has agreed to give 3% or $6,000 leaving the buyer to pay $3,000 in closing costs. The buyer can now receive an ADDITIONAL $10,500 so their out of pocket is $0 and they can apply an additional $6,500 towards the down payment. The SELP monies of $5,000 are not forgivable and have to be repaid back to the State of Maryland and if the buyer's employer is on the Partner List they can receive an additional $2,500. So many great programs out there right now if you have a first time home buyer with decent credit then I have a program for them! As always, please feel free to contact me with any questions or to prequalify any of your buyers. TAMMI LEWIS 16

Right-click or tap and hold here to download pi ctu res. To help protect you r priv acy, O utlook prev ented auto matic downlo ad o f this picture from the In ternet. Loan Officer First Home Mortgage cell: 410.725.9451 fax: 443.725.0519 tlewis@firsthome.com NMLS ID#: 455836 www: www.firsthome.com A REFERRAL IS THE BEST COMPLIMENT I CAN RECEIVE! This information is provided for business and professional uses only and is not to be provided to the consumer or the public. This information is provided to assist real estate professionals and is not an advertisement to extend credit as defined by Section 1026.2 of Regulation Z. Programs, interest rates, terms and fees are subject to change without notice. First Home Mortgage Corporation NMLS ID #71603 (www.nmlsconsumeraccess.org Equal Housing Opportunity Lender This message was sent to dougkenny@remax.net from tlewis@firsthome.com Tammi First Home Mortgage 900 Bestgate Road Annapolis, MD 21401 Unsubscribe 17

Doug Kenny From: Sent: To: Subject: Glen Lazovick <glazovick@apexhomeloans.com> Tuesday, July 25, 2017 2:23 PM doug@dougkenny.com New at Apex: Grow Your Client Base with Reverse Mortgages To view this email as a web page, click here. Reverse Mortgages: Three Strategies for Realtors Hi Doug, I know what you re thinking: what do reverse mortgages have to do with me? One of our newest offerings, this loan may help you serve more clients by broadening your market. Here are three strategies you can use with this product to serve senior homeowners: 1. Use a Home Equity Conversion Mortgage for a purchase: a HECM can help senior homeowners buy their next home without a monthly mortgage payment by combining proceeds from the sale of their current home with a reverse mortgage. This is an option well worth considering for any homebuyer over 62 who has considerable equity. 2. Serve clients that are divorcing in later years: for those who qualify, a HECM can allow a divorcing couple near retirement with two great options that both 18

require no monthly debt obligation: they can (1) use a HECM on the martial home to give the departing spouse down payment funds on their next home; or, (2) sell the marital home, divide the equity, and use a home purchase HECM to each buy a new house. 3. Help clients obtain investment capital: Have a senior client interested in a vacation home or investment property? Reverse mortgages can help them unlock valuable equity in their home and remove the need to take money out of their retirement portfolio for a down payment. To explore whether a reverse mortgage may make sense for one of your buyers, I m a click or call away! Sincerely, Glen Lazovick Sr. V.P. Business Development Apex Home Loans NMLS# 721448 NMLS # 2884 www.glenlends.com Glen Lazovick Apex Home Loans 3204 Tower Oaks Boulevard, Suite 400 Rockville, MD 20852 240-238-2424 glazovick@apexhomeloans.com This letter is for information purposes only and is not an advertisement to extend customer credit as defined by Section 12 CFR 1026.2 Regulation Z. Program rates, terms and conditions are subject to change at any time. Apex Home Loans, Inc. NMLS #2884. Licensed by: DE as a Lender by the Office of the State Bank Commissioner (011603); DC as a Dual Authority Mortgage Lender by the Department of Insurance, Securities and Banking (MLB2884); FL as a Mortgage Lender by the FL Office of Financial Regulation (MLD1088); MD as a Mortgage Lender by the Dept. of Labor, Licensing & Regulation (06-4989); N.J. Department of Banking and Insurance (2884); PA as a Mortgage Lender by the Dept. of Banking & Securities (45078); and VA as a Lender and Broker by the State Bank Commissioner (MC1278). For more information, please reference the NMLS Consumer Access Website at http://nmlsconsumeraccess.org. This email was sent by: Apex Home Loans 3204 Tower Oaks Boulevard, Suite 400 Rockville, MD 20852 If you would no longer like to receive emails from Apex Home Loans, you can unsubscribe by clicking here: Unsubscribe 19

Doug Kenny From: Sent: To: Subject: United Mortgage Plus <info@unitedmortgageplus.com> Monday, July 24, 2017 3:31 PM doug@dougkenny.com Look What We Brought Back! View online version V.O.E is back! Get your clients a loan for up to $2.5M, No tax returns, No W 2 or Paystub and much more! United Mortgage Plus has brought back the all-time favorite V.O.E. Here s what s up for grabs: No tax returns No W-2 or Paystub Minimum FICO 660 Maximum loan amount $2.5M 2 years short sale 3 years BK 5 years foreclosure 100% gift funds allowed Modified and restructures loans are allowed 21

Delayed financing available Foreign nationals allowed So what you waiting for? Visit our BRAND NEW website now! Call us today at (866)836-2188 or visit us on our redesigned website http://unitedmortgageplus.com/ Also check out our brand new app now on Google Play and the App Store. Check out the programs we offer: FHA VA CONV USDA Jumbo Renovation Non-Prime Commercial Share Tweet Pin it Share Want to stay up-to-date on mortgage news? Check out our Daily News to stay on top of the latest news in the industry United Mortgage Plus is offering a free credit report analysis this week for any interested clients. Apply on our website To learn more about the programs we offer, click here, or give us a call at : (866)-836-2188. You can also visit our website: www.unitedmortgageplus.com, 22

United Mortgage Plus is an equal opportunity housing lender. *Rates are current as listed and are subject to change. The rates displayed do not represent a loan approval or commitment to lend. The actual rate, fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Loan pricing can be locked only through a loan officer. Other restrictions may apply.rates are current as listed and are subject to change. The rates displayed do not represent a loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include FICO score, additional fees and costs. Loan pricing can be locked only through a loan officer. Other restrictions may apply. Share our Newsletter! Share Tweet Pin it Share This e-mail has been sent to doug@dougkenny.com, click here to unsubscribe. 600 South Frederick Ave, Suite 403 20877 Gaithersburg US 23

Doug Kenny From: Sent: To: Subject: Alterra Home Loans <rgarcialoan@gmail.com> Friday, July 21, 2017 12:00 PM doug@dougkenny.com Veteran closings. Hi, just a reminder that you're receiving this email because you have expressed an interest in Alterra Home Loans. Don't forget to add rgarcia@goalterra.com to your address book so we'll be sure to land in your inbox! You may unsubscribe if you no longer wish to receive our emails. Veterans Administration Deals Alterra Home Loans If your client is VA eligible, we can do: 560 Credit score minimum 100% Financing up to $600K No waiting period for a Short Sale VA Refi without Appraisal VA Debt payoff 100% Cashout refi No DTI cap Manual Underwrites ***Conditions may apply*** Hablamos Espanol 24

Мы говорим на вашем языке Chúng tôi nói tiếng Việt ASL GOALTERRA.COM APPLY NOW "Building Wealth Through Home Ownership" Rob Garcia Lead Coordinator / Loan Officer Assistant / Jr. Processor 13861 Sunrise Valley Drive, Suite 250 Herndon Virginia 20171 Cell Phone - (703) 901-0775 Office Phone - (703) 234-1207 Fax - (866) 415-9855 E-mail - rgarcialoan@gmail.com or rgarcia@goalterra.com Alterra Home Loans 13861 Sunrise Valley Drive, Suite 250 Herndon Virginia 20171 Alterra Home Loans, 13861 Sunrise Valley Drive, Suite 250, Herndon, VA 20171 SafeUnsubscribe doug@dougkenny.com Forward this email Update Profile About our service provider Sent by rgarcialoan@gmail.com in collaboration with Try it free today 25

Doug Kenny From: Sent: To: Subject: rgarcialoan@gmail.com Thursday, July 20, 2017 1:15 PM doug@dougkenny.com 5% down conventional Hi, just a reminder that you're receiving this email because you have expressed an interest in Alterra Home Loans. Don't forget to add rgarcia@goalterra.com to your address book so we'll be sure to land in your inbox! You may unsubscribe if you no longer wish to receive our emails. "JUMBO LOANS" Alterra Home Loans If your client needs a Jumbo Loan, we can help them close. 5% Down for agency jumbo for below 658k sales price. 90% Jumbo with no Mortgage Insurance. Only need a 680 Credit Score. VA Jumbo only need a 600 Credit Score. 80% LTV up to 1.5 million. 80/10/10. *Conditions may apply* We are closing Jumbo Loans that other lenders cant. Hablamos Espanol 26

Мы говорим на вашем языке Chúng tôi nói tiếng Việt ASL GOALTERRA.COM APPLY NOW "Building Wealth Through Home Ownership" Rob Garcia Lead Coordinator / Loan Officer Assistant / Jr. Processor 13861 Sunrise Valley Drive, Suite 250 Herndon Virginia 20171 Cell Phone - (703) 901-0775 Office Phone - (703) 234-1207 Fax - (866) 415-9855 E-mail - rgarcialoan@gmail.com or rgarcia@goalterra.com Alterra Home Loans 13861 Sunrise Valley Drive, Suite 250 Herndon Virginia 20171 Alterra Home Loans, 13861 Sunrise Valley Drive, Suite 250, Herndon, VA 20171 SafeUnsubscribe doug@dougkenny.com Forward email Update Profile About our service provider Sent by rgarcialoan@gmail.com in collaboration with Try it free today 27

Doug Kenny From: Sent: To: Subject: Vinny Dodson <dodsonmortgage@gmail.com> Thursday, July 20, 2017 11:26 AM doug@dougkenny.com Menu of Products 28