1. Welcome! How five mortgage products of today can help you sell homes!

2. Replace each dot with either 1, 4, 5, 6 or 9 to make the problem add up correctly. Each number can be used only once.. 3. 7 + 6. 3. 7 7 9. These numbers have many properties in common but do not share the same traits. Find seven different reasons for determining what makes one or more of these numbers distinct from the rest. 216 55 1445652 23 110 453 218 769 Add contiguous numbers (horizontally and vertically) so that they total 38. Each number may be used only once. Mind Exercises

3. 1357 +6439 7796 23 is the only prime number 56 is the only multiple of 7 144 is the only square and the only multiple of 12 55 is the only one composed of one repeated digit 110 is the only multiple of 10 216 is the only cube 3+5+4+2+1+8+9+6=38 Answers:

4. How five mortgage products of today can help you sell homes!

5. Direct mortgage banker FHA/VA/Conventional/RD & OFHA loans Underwrite in our main office Company began in 1993 Consumer Choice Award winner and AAA + BBB standing Core Purpose: To Improve the Lives of Families Who is Equity Resources?

6. Licensed loan officer with Equity Resources Over 10 years experience Lives in Lancaster Goal is to create a few new relationships based upon mutual respect and a passion for “raving fan” customer service. Can close your loans quickly and stress-free! Who is Trinda Detwiler?

7. How Five Mortgage Products of Today Can Help You Sell Homes! FHAVAConventionalRDOHFA

8. FHAVACONVRDOHFA Compare and Contrast FHA, VA, Conventional, RD, OHFA Credit Collections / Charge Off None (620) None (620) 700+ 620-719 620+ 580-619 Exe Varies FTHB/Hero Program Loan Assistance Program Down Payment 10/1/08 No DPA 1/1/09 3.5% Zero Down 3% w/ 720+ Score 5% w/680 Score 20% w/ 581+ Score Home Path (5%) Zero Down DPA Grants Homebuyer Tax Credit Advantage Bankruptcy 7 2 Years 4 Years2 Years2-4 Years Foreclosure 3 Years2 Years5 Years3 Years3-5 Years Occupancy OO Only OO / 2 nd Homes / NOOOO Only Seller Contribution 6%4%3% (varies w/ LTV)6%Varies Qualifying Ratio 31/43% Exceptions to 55% 41% Exceptions AUS 29/41% Exceptions Varies Income Requirement None Yes varies with size of family 78,900-104,150 “Adjusted” (child/daycare/elder) 78,870-96,040 Yes varies by family (3+ more) First Time Home Buyer Only No Yes (unless targeted area) $8000 Tax Credit (Amend/Income/Expires) Yes Miscellaneous Loan Limit $341,250 $100 Down $203k Rehab 100% Purchase Growing Sector Need high score Only option for 2 nd home or NOO except portfolio Higher DTI & Loan Amts Buy a home w/ ODI only (PP+2% Fee + Closing Costs) 2 acres only Rates are high now Mortgage Insurance 30 yr: 1.75.50 or.55 month 2.15% No Down Pmt 2.4% (Reserve/Nat Gd) 2 nd Time Users 3.3% VA Disability Zero Changes / Changes / Changes DTI 41-45% 2% Fee Only No Monthly Yes

9. Myths FHA FTHB only with bad credit Appraisals are too picky (drastic revision 12/2005) Too many inspections (well/septic/water) Takes too long VA We don’t have Veterans in my area Takes too long Conventional Best Rates Recent add-ons and MI RD Farm loan, isn’t it? RD loans have recapture Low income only OFHA The interest rates are “below the market” Zero money down

10. Questions & Answers? Contact Information Equity Resources, Inc. 25½ S Park Place PO Box 5177 Newark, OH 43058-5177 Trinda Detwiler: 740.808.2044 Phone : 740.349.7082 ~ 800.270.7082 Fax: 740.349.7176 Trinda Detwiler – TDetwiler@callequity.net Ed Rizor – ERizor@callequity.net