1. Grey Fox Ridge An Energy Star Development Why is Grey Fox Ridge Right for You?

2. Grey Fox Ridge Smart Choices The Right Amenities. The Right Incentives. The Right Availability. The Right Loan Choice.

3. Grey Fox Ridge Amenities Subdivision – The Only Energy Star Development in Northern Arizona. – City maintained streets. – Deed Restrictions to insure your investment. All Standard Home Features meet the high efficiency Energy Star Ratings. – Energy Star 5 Star Certification. 20-30% savings of monthly utility costs. – Green Guidelines per Federal Standards. Sewer System, Tile Roofs and more. Home Owner’s Association – Only $50 per month Including A park with common areas leading to Verde River Corridor access, Watering and maintenance of common area landscapes and front yards from POA (non- potable) well at no extra cost.

4. Grey Fox Ridge Incentives Buyer’s Choice instead of ‘Where is, As is’. Brand New Custom Development and Homes. Whole Home Solar System at no extra cost. Full Two-year Warranty. Meets Competitive Appraisal. View Shed Home Sites. Close Proximity to town, schools, parks, hospital and shopping.

5. Grey Fox Ridge Availability 3 Homes Complete – Turn-key ready to buy. 17 home and lot packages available to build. – From 1312sf to 3000sf. Customized floor plan and pick your own lot. Residential lots from $59,900 to $105,000. Staff ready to help you with all your home buying options.

6. Loans - Which is Right for You? Whether you are: A Professional A First-time Homebuyer Have Modest Income with no down-payment or in need payment assistance. Looking for a second or retirement home Need a great conventional loan Or wish to buy a lot to build on later

7. The Right Loan is an important decision.

8. We have a broad range of lending options designed with YOU in mind.

9. BBVA Compass Bank – Professional Residential Loan – 1 st Time Home Buyer Loan USDA – Direct Loan – Guaranteed Loan Arizona Home Buyer Solutions (TM) Gift Program Arizona Housing Finance Authority MRB Plus Conventional Loans Lot Loans Construction Loans

10. BBVA Compass Bank Professional Primary Residence Loan Available for Physicians, Attorneys, CPA’s & Dentists. Up to $1,000,000.00 loan. Down- Payment as low as 5%. Private Mortgage Insurance is NOT required. Student Loans deferred for 12 months are NOT counted in qualifying ratios.

11. BBVA Compass Bank First Time Home Buyer Loan Haven’t owned a home in 3 years. First Payment not due for 3 months. Down payment as low as 5%. NO Origination Fee. NO Private Mortgage Insurance. Cannot exceed $417,000. Low closing costs.

12. USDA Direct Loan Low-Low or Low Income Subsidized Interest Loans NO Down payment. NO Mortgage Insurance. Direct from Federal Government. Subsidized Interest. – Monthly payment reduced as low as 1% interest. Closing Costs can be financed into the loan. 33-38 year loans available. Credit Score. – Somewhat flexible around 650. Income Limits. – starting at $18,850 for 1 person. – and $43,050 for a 4 person family.

13. USDA Guaranteed Loan NO Down payment. NO Monthly Mortgage Insurance. 30 yr Fixed Rate Financing. Up-Front Fee of 3.5% presently which can be rolled into loan. Income Limits – Yavapai County. – 1-4 persons up to $73,600 – 5-8 persons up to $97,150 No Loan Limit. Must be Primary Residence.

14. Arizona Home Buyer Solutions (TM) Gift Program Up to 2.5% Gift with no obligation to repay after 5 months ownership. Only with FHA 30 year fixed loan, no pre- payment penalties. Minimum FICO 620 all borrowers. Seller can pay 6% of buyer’s closing costs Co-signer’s OK.

15. Arizona Housing Finance Authority MRB Plus Financing and Down-Payment Assistance. First time homebuyers. Assistance of 5% of Purchase Price may be used for Down Payment or Closing Costs. No Payback required after 5 years.

16. Conventional Residential Loans Down Payments can vary. – Primary Residence 20%. – Secondary Residence 30%. – Some programs as low as 5% down. NO Mortgage Insurance. Closing Costs varies. 680 Credit Score and up. Credit Score drives interest rates. – 15 year loan – 3.5% and up. – 30 year loan – 4% and up.

17. Residential Lot Loans For Primary or Secondary Residence. Low Closing Costs. Affordable Payments. 25% of Purchase Price. Example from National Bank of Arizona. – based on a $69,000. Purchase Price. Down Payment Loan Amount Monthly Payment 5/1 ArmLoan Costs 25% = $17,250. 75% = $51,750. $472.41 PI Rate fixed for the first 5 years then adjusts annually – up to 15 years 1% = $517.

18. Course of Construction Loans With Approved Loan Status Report from permanent lender. Preferably 20% down but can be less. Interest rate ranges from 6 ½ to 7 ½ % varies. 1% Origination Fee. Up to 1 year – can vary. Can be rolled into permanent financing.

19. Grey Fox Ridge by Bill Bullock, C&B Construction, Inc. – Master Builder with over 35 years experience. – Arizona Commercial and Residential Contractor. – Voted #1 in 2008. – General Contractor and Developer. – Contractors Residential License # 39973B – (928)239-0144

20. Exclusive Representation Yavapai Realty LLC – Esther Talbert, Broker (928)254-0525 esther@yavapairealty.com www.yavapairealty.com Co- Representative – Mingus Mountain Real Estate Janette Tomlinson, Agent – (928)301-2161 – janandamy@gmail.com

21. Presentation by Yavapai Realty LLC Esther Talbert, Designated Broker Together we can make a difference!