1. “Providing Financial Solutions for Small Balance Commercial Loans” YOUR WHOLESALE COMMERCIAL MORTGAGE LENDER.

2. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 ABOUT THE MORTGAGE GROUP COMMERCIAL DIVISION  The Mortgage Group Commercial, LLC. Is a nationwide commercial real estate lender that offers financing to borrowers through a network of banks, real estate companies, mortgage brokers and credit unions.  Our innovative programs provide an alternative to bank financing that is ideal for borrowers seeking loans from $100K to $10MM. We are 100% focused on making our programs attractive to borrowers, profitable for strategic affiliations and easy for both.

3. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 COMPANY OVERVIEW AND HISTORY Company founded to capitalize on the creation, development, and the evolving secondary market liquidity of the small balance commercial mortgage market utilizing prior commercial real estate experience in all facets of portfolio and securitized commercial lending i.e. origination, processing, underwriting (credit analysis), capital markets (secondary marketing), and servicing.

4. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 PROGRAMS  Stated Income Stated Asset (SISA)  Full Documentation  Bank Portfolio Product ($100K - $10MM)  Program Upgrades, Variations and Blends

5. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 PROGRAM HIGHLIGHTS  48-72 hour pre-approval  Unlimited cash out  High LTVs and CLTVs  Unrestricted use of proceeds  Streamlined underwriting  Wide variety of eligible property types  Rate locks available  Subordinated financing permitted  Long terms and amortizations  Quick closings  Multiple pricing options  Minimal costs  Owner occupied or investor properties

6. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 UNDERWRITING METHODOLOGY  Stated Income Stated Asset (SISA): Personal income and assets are stated on personal financial statement but not verified through traditional underwriting of guarantor and collateral. The credit decision is based upon the guarantor’s personal credit score (FICO) and property DSCR at a minimum 1.1 coverage.  Full Documentation: Hybrid of traditional collateral DSCR underwrite and residential underwrite, i.e. guarantors personal Debt to Income and personal credit score (FICO). Credit will be approved based on collateral DSCR and guarantor DTI. Minimum DSCR required based on collateral type.  Bank Portfolio Product ($100K-$10MM): Traditional collateral DSCR underwrite. Offered on both Investment and Owner Occupied properties. Minimum DSCR required based on collateral type.

7. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 STATED INCOME/ STATED ASSET  Loan Amount: $100,000 and up  Use of Funds: Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages  CLTV: Up to 90%  Term: 15, 20 and 30 year terms.  Credit: Mid scores 600 and higher, depending on property  Closing: up to 6 weeks  Interest Rate: A wide variety of Fixed and Variable rates  Other Details: Pre-payment penalties do apply. All loans are first mortgages and full recourse.

8. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 FULL DOCUMENTATION  Loan Amount: $100,000 and up  Use of Funds: Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages  LTV: up to 90%  Term: 15, 20 and 30 year terms  Credit: Mid scores 600 and higher, depending on property  Closing: up to 6 weeks  Interest Rate: A wide variety of Fixed and Variable rates  Other Details: Pre-payment penalties do apply. All loans are first mortgages and full recourse.

9. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 FULL DOC & SISA  Loan Amount: $100,000 and up  Use of Funds: Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages  LTV: Up to 80 %  Term: 30 year terms.  Credit: Mid scores 600 and higher, depending on property  Closing: up to 6 weeks  Interest Rate: Fixed periods: 2, 5, 7 and 10 years.  Other Details: Pre-payment penalties do apply. All loans are first mortgages and full recourse.

10. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 BANK PORTFOLIO  Loan Amount: $100,000 - $10,000,000  Use of Funds: Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages.  LTV: Up to 80 %  Term: All loans based on 30 year terms.  Credit: Mid scores 660 and higher, depending on property.  Closing: up to 6 weeks  Interest Rate: A wide variety of Fixed and Variable rates.  Other Details: Pre-payment penalties do apply. All loans are first mortgages and full recourse.

11. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 LARGE LOAN FULL DOCUMENTATION  Loan Amount: $1,000,000 and up  Use of Funds: Purchases, Refinances: Rate & Term or Cash Out 1st Mortgages  LTV: Up to 80%  Term: 5, 20, 25 and 30 year  Credit: Depends on project  Closing: up to 8 weeks  Interest Rate: 10 Year Treasury + basis point spread  Other Details: Defeasance, Yield Maintenance and Pre-Pays vary by investor. SBA and Conduit loan programs are used.

12. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 OUR BORROWERS  Self-Employed, Small Business Owners  Real Estate Investors  Commercial property owners  Mom & Pop and Family operations  Legal Entities, from individuals to sole proprietors-corps/LLC’s  May be unwilling or unable to provide business/personal documentation  Slightly impaired credit, scores from 575(mid score) +  Properties that may not “cash flow”  Environmentally sensitive property-possible  Seeking unrestricted cash-out  May not fit bank’s credit culture  Cash businesses

13. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 PROPERTY TYPES  Retail, Office, Warehouse  Shopping Center / Strip Mall  Automotive-sales/repair  Medical Facilities  Health Club / Gym  Pre-school, Daycare  Warehouse, Storage Facility  Mixed Use  Multi-family (5+units)  Restaurants, Fast Food  Light Industrial  Special Purpose - will consider the unusual

14. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 WHAT’S IN IT FOR YOU  Offer your fall-out loans  Maintain customer relationship  Take comfort in referring customers to a non- competing money source  Establish referral relationship  Additional revenue

15. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 MORTGAGE BROKER BENEFIT  You can offer your clients financing alternatives for commercial loans and at the same time make large commissions.  Close your commercial real estate transactions within 45 days, and have control of the situation.  Take comfort in financing your clients, with a commercial organization that understands your business model.  Capitalize on additional revenue sources with the cyclical nature of residential real estate.  Strategically position your company to hedge against interest rate hikes.  Commercial real estate finance is not as interest rate driven.

16. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 THE MORTGAGE GROUP COMMERCIAL YOUR RESOURCE  Give us a call - Don’t waste your time and energy  If the deal sounds good don’t hesitate  Send a Completed Loan Application  Tri - Merged Credit Report (from within 30 days)  Completed Commercial Loan Request form.

17. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 ORIGINATING COMMERCIAL LOANS  Quick Start - You can do it now  Look at Self Employed borrowers who have commercial property listed on their 1003 R.E.O.  Borrowers who have done stated RESI deals  Harness your marketing infrastructure  Identify key markets and property types  National Lending - With us you have the ability to hit the hot markets, Nationwide (which could be dynamic)

18. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 HOW TO GET THE BUSINESS  Commercial Realtors  Small business accountants  Small business Consultants  SBA 504 Lenders, CDC’s, S.C.O.R.E. Offices  Bank’s Fallouts  Small Business Publications.  Cash Driven Communities/Stated Program

19. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 I HAVE A COMMERCIAL DEAL  Get the Story (All Adverse Items)  Understand the Story  1003  Credit Report  Loan Request Form

20. The Mortgage Group ©2006 - CALL TODAY - 888-841-0048 CONTACT YOUR WHOLESALE TEAM 888 841-0048 TOLL FREE OUR LOAN OFFICERS CAN PRICE, STRUCTURE, AND ASSIST YOU. WE LOOK FORWARD TO BECOMING YOUR WHOLESALE COMMERCIAL MORTGAGE LENDER.