FHA HOME IMPROVEMENT LENDING. Financing Solutions by Admirals Bank

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1 FHA HOME IMPROVEMENT LENDING Financing Solutions by Admirals Bank

2 PROGRAM OVERVIEW FHA Title 1 Home Improvement Loan No equity required to qualify Free to offer to your customers Loan Amounts Up to $25,000 secured with fixed rates from 6.95%-11.95% Up to $7,500 unsecured with fixed rates from 7.95%-13.95% Time Frame Customer gets pre-approved within minutes Customer receives the funds within days of original inquiry

3 LOAN DETAILS Requires a credit mid-score of 650 or higher Debt-to-Income Ratio of 45% or under Available Terms: 5, 7, 10, 15 and 20 years No Pre-Payment Penalties Tax Deductible Interest (Secured Loans Only) Funds are disbursed before work begins Funds are only for Home Improvements (No Debt Consolidation)

4 TERM FHA Title-1 Home Improvement Loans - Secured Rate Matrix **Maximum Loan $25,000.00** Qualifications Individual Applicants: Middle credit score of 650 or higher Joint Applicants: Primary Borrower middle credit score of 650 or higher Debt to-income Ratio of 45% or lower (adjusted gross back-end) Bankruptcies Discharged 2 years or more Documents Needed for Approval Signed and dated Information Disclosure Authorization (I.D.A.) Past 2 years of W-2 s (each borrower) Most recent pay stub (each borrower) Recent mortgage statement Signed letter of explanation for any derogatory credit Proof of any open collections paid (if applicable) Estimates describing work to be done and dollar amount required *All decisions including rates and approvals are at the sole discretion of Admirals Bank. Rates are subject to change without notice. ***Effective: October 28, 2011 Qualifying FICO Score Months 6.95% 7.95% 8.95% 9.95% 84 Months 6.95% 7.95% 8.95% 9.95% 120 Months 6.95% 8.95% 9.95% 10.95% 180 Months 7.95% 8.95% 9.95% 11.95% 240 Months 7.95% 8.95% 9.95% 11.95%

5 TERM FHA Title-1 Home Improvement Loans - Unsecured Rate Matrix **Maximum Loan $7,500.00** Qualifying FICO Score Months 7.95% 9.95% 11.95% 12.95% 84 Months 8.95% 10.95% 11.95% 12.95% 120 Months 8.95% 11.95% 11.95% 13.95% Qualifications Individual Applicants: Middle credit score of 650 or higher Joint Applicants: Primary Borrower middle credit score of 650 or higher Debt to-income Ratio of 45% or lower (adjusted gross back-end) Bankruptcies Discharged 2 years or more Documents Needed for Approval Signed and dated Information Disclosure Authorization (I.D.A.) Past 2 years of W-2 s (each borrower) Most recent pay stub (each borrower) Recent mortgage statement Signed letter of explanation for any derogatory credit Proof of any open collections paid (if applicable) Estimates describing work to be done and dollar amount required *All decisions including rates and approvals are at the sole discretion of Admirals Bank. Rates are subject to change without notice. ***Effective: October 28, 2011

6 THE PROCESS Offer the homeowner the financing option Apply over the phone or online while you re at the customer s house Complete an application and fax or it to your Account Executive Homeowner approval Customer is pre-qualified within minutes Borrower(s) provide proof of employment and income for an official approval Customer can receive the funds in business days Homeowner receives the Funds Customer chooses (2) checks, (1) check or wire transfer

7 Attn: Eric Schwartz or ext Fax: *Contractor/Company whom referred you: *Required to fill in if applicable HOME IMPRO VEMENTS AMOUNT REQ UESTED REAL ESTATE INFORMATION ADDRESS CITY ST ZIP DATE PURCHASED ORIGINAL PURCHASE PRICE 1 ST MORTGAGE BALANCE PAYMENT TAXES & INS. INCLUDED? Y / N 2 ND MORTGAGE BALANCE PAYMENT CURRENT VALUE MOBILE HOME Y / N MULTI FAMILY PROPERTY Y / N # OF UNITS BORROWER INFORMATION BORROWER NAME SOC SEC # - - DATE OF BIRTH HOME PHONE ALTERNATIVE PHONE CO-BORROWER NAME SOC SEC # - - DATE OF BIRTH HOME PHONE ALTERNATIVE PHONE EMPLOYMENT INFORMATION BORROWER EMPLOYER ADDRESS PHONE LENGTH OF EMPLOYMENT POSITION ANNUAL INCOME OTHER INCOME CO-BORROWER EMPLOYER ADDRESS PHONE LENGTH OF EMPLOYMENT POSITION ANNUAL INCOME OTHER INCOME BORROWER I do not wish to furnish this information ETHNICITY Hispanic or Latino Not Hispanic or Latino RACE American Indian or Native Alaskan Asian White Black or African American Native Hawaiian or Other Pacific Islander CO-BORROW ER I do not wish to furnish this information ETHNICITY Hispanic or Latino Not Hispanic or Latino RACE American Indian or Native Alaskan Asian White Black or African American Native Hawaiian or Other Pacific Islander Male SEX Female Male SEX Female

8

9 Online Application Visit Provide Address Create Password Submit Follow instructions for completing and submitting the application. When asked how you heard about Admirals Bank, select contractor and enter code listed below Your Contractor Code

10 TIME TO GROW You Sell More Jobs Customer gets the work done Everyone Benefits

11 GETTING YOU SIGNED UP Fill out two forms and provide proof of proper licensing and liability insurance Get approved to offer financing to your customers Start offering a financing option, stop losing jobs due to lack of funds and grow your business

12 CONTACT INFORMATION Eric Schwartz Admirals Bank 15 Park Row West Providence, RI Tel Ext.7360 Dir Fax NMLS : eschwartz@admiralsbank.com

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