Broker s Referral Program

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1 Broker s Referral Program ENROLLMENT KIT One-time prequalification, years of residual income!

2 Contact us Today at or visit us online at: Brookview Financial financing rehab investors nationwide Since 1992 STATES: Alabama California Colorado Connecticut Delaware Florida Georgia Illinois Indiana Kentucky Louisiana Maine Maryland Massachusetts Michigan Mississippi Minnesota Missouri New Hampshire New Jersey New Mexico New York North Carolina Ohio Oklahoma Pennsylvania Rhode Island South Carolina Tennessee Texas Utah Virginia Washington, DC Washington Wisconsin About Brookview Financial Brookview Financial is a national rehab lender, specializing in forming successful financing and mentoring relationships with rehab investors at all levels of experience. As a "relationship lender," we believe that it is just as important for borrowers to know their lender, as it is for us to know our borrowers. After all, the ability to make "quick-close" offers without financing contingencies is dependent upon the swiftness and reliability of the investor's capital. An investor's reputation is built on being able to close quickly with confidence! Since 1992, our mission at Brookview Financial has been to support our cus- tomers' sucess. We offer a program designed specifically for the rehab investor that includes features such as: Purchases & Rehab Funds Proof of Funds Letters No prepayment penalties Loans 65% ARV Quick closings We also pledge full customer care and support throughout the entire process, assigning a National Account Manager who is accessible from the pre-qualification stage to closing for each loan. In establishing a relationship with Brookview Financial, investors will find a lender who understands the steps to successful rehabbing. Providing prompt and reliable capital fuels the growth of our clients' business; business that we aim to support with industry knowledge and outstanding customer service. The success of our rehab investors, coupled with the strength of capital we provide as a direct lender, achieve a shared and ultimate goal of revitalizing communities, encouraging home ownership and increasing the supply of affordable housing nationwide. We invite qualified investors to join us in this endeavor. (877)

3 Brokers Connect with Brookview Why join the Brookview Financial Broker Referral Program? It s EASY! ONE-TIME Prequalification! COLLECT residual income for years! PERSONAL support from Brookview! Our program has been designed to provide borrowers accross the country with unique rehab lending options to meet the specific needs of their rehab clients. Questions? Call (877) or visit us online at A Win-Win Situation! By becoming a member of the Brookview Broker Program, you are able to connect your rehab clients with a National direct lender that provides fast, reliable capital and encourages the rebuilding of distressed properties in U.S. communities. We value our broker circle and are committed to engaging in professional and successful partnerships. You can rest assured that your client is in good hands -- Brookview has a long history of financing rehab investors NATIONWIDE, and we know what it takes for real estate investors to succeed! 3 SIMPLE STEPS! Fill out the Referral Agreement Fill out the Pre-Qualification Worksheet When your referred client gets approved AND closes a loan, COLLECT INCOME!

4 BROOKVIEW FINANCIAL BROKER S REFERRAL AGREEMENT To Sign Up THIS AGREEMENT ( Agreement ) is to confirm the arrangement between Brookview Financial, Inc., or its designee, ( Brookview ) and the undersigned ( Referrer ) in connection with referral of Eligible Borrowers to Brookview ( Referral Program ). Whereas, Brookview is in the business of providing acquisition and rehabilitation financing to real estate investors; and Whereas, Referrer is a mortgage banker, mortgage broker or real estate broker that is duly licensed, in good standing and is interested in referring potential borrowers to Brookview (each a Potential Borrower ); Term: The term of this Agreement will begin when signed by both Brookview and Referrer and will end when terminated by either party. Either party may terminate this Agreement at any time, with or without cause, by giving the other party written notice of termination. Referrer is only entitled to earn Referral Compensation on loans closed and funded during the term of the Agreement and for 60 days following termination. Submission of Eligible Referrals: This agreement and Form W-9 must be signed and submitted to participate in the Referral Program. Referrer shall submit only Potential Borrowers who Referrer believes meet the lending criteria set forth in the Pre-Qualification Guidelines. To submit a Potential Borrower to Brookview (a Referral ), Referrer shall complete a Pre-Qualification Worksheet for the Potential Borrower, including the Property section if applicable, and shall submit it to Brookview by facsimile or . Referrer may submit any Potential Borrowers meeting Brookview lending criteria for approval even if they do not currently have a specific property acquisition to be funded. Acknowledgement of Referral: Referrer will receive acknowledgement from Brookview, via , confirming Brookview s receipt of the Referral, and indicating whether the Potential Borrower stated in such Referral is eligible for this Referral Program. Any Referral of a Potential Borrower, which is determined by Brookview to be eligible for this Referral Program, and is not ineligible, as defined below, is referred to as an Eligible Referral. Completion of Referral: Upon receipt of acknowledgement from Brookview that Referral is eligible, the Borrower will be contacted by Brookview to complete the qualification and application process. Ineligible Referrals: Current Brookview customers, together with persons in past or current association with Brookview customers, and any Eligible Referral for which Brookview does not close and fund the first loan within twelve (12) months from submission of the applicable Eligible Referral to Brookview, are ineligible for the Referral Program set forth in this Agreement. Customers already associated with any other Brookview Affiliate programs are ineligible for this program. In the event that two or more Referrers refer a Potential Borrower, Brookview will accept the first Referral received, unless instructed otherwise by the Potential Borrower. Referral Compensation: If Brookview closes and funds a loan to an Eligible Referral, Referrer shall receive a referral payment ( referral payment ) in an amount determined as follows: Brookview agrees to pay half a point with respect to the first loan closed and funded from Brookview to such Eligible Referral. Brookview agrees to pay half a point with respect to any subsequent loans to the same Eligible Referral, provided each subsequent loan is closed and funded within twelve (12) months of the previous loan s closing. The Referral Payment shall be promptly paid to Referrer, by check delivered usually within 30 days of loan closing. All Referral Payments will be made payable to the party signing this Agreement and named in the Form W-9. Confirmation may be required.

5 to sign up (cont d) Modifications: Brookview reserves the right to modify or supplement the terms of the Referral Program at any time, including, without limitation, the procedure and eligibility requirements set forth herein, provided that Referrer will be notified in writing of any such modifications. Referrals received and acknowledged by Brookview prior to such modifications will be addressed pursuant to the Referral Program terms in force at the time the Referral was received by Brookview. IF ANY MODIFICATION OF THIS AGREEMENT IS UNACCEPTABLE TO YOU, YOUR ONLY RECOURSE IS TO TERMINATE THIS AGREEMENT. YOUR CONTINUED PARTICIPATION IN THE PROGRAM FOLLOWING SUCH CHANGE WILL CONSTITUTE BINDING ACCEPTANCE OF THE CHANGE. Authorized Signature: Date of Signature: Company Name: Print Name: Contact Phone Number: Brookview Acceptance: Mailing Address: Address: Please check one: Mortgage Banker Mortgage Broker Realtor Other How did you hear about Brookview? PLEASE COMPLETE AND FAX TO BROOKVIEW FINANCIAL QUESTIONS, US AT OR CALL

6 Rehab Program Guidelines Brookview Financial PROPERTY TYPE: Residential 1-4 Family, non-owner occupied. LIEN POSITION: LOAN TERM: First mortgage only. 6 months; extendable ADVANCE RATE: Options up to 100% of project costs. Minimum loan amount $50,000. LTV: RENOVATION FUNDS: Up to 65% of After-Repaired Value. 100% of renovation funds are typically advanced in 1 to 4 draws. Once inspector certifies work is done, funds are wired directly to the investor s account. QUALIFYING DOCUMENTATION: Completed Investor Assessment Form LOAN DOCUMENTATION: (For each loan) Brookview s Deal Submission Form Purchase Agreement (signed by both parties) Summary of Rehab Work to be Completed (Brookview form) Pictures of the Rehab Property (outside, each room, street) Home Inspection 3 Months of Bank Statements 2 Years of Tax Returns 3 Most Recent Pay Stubs Signed 4506-T GUARANTEE: Personal guarantee required. Loans closed in name of business entity. QUICK FUNDING: Once a borrower has been approved, funding of individual transactions is quick. Whether you are a novice or an experienced rehabber, we have a loan program to fit your business goals! Call us Toll-Free at (877)

7 Building Your Rehab Business with Brookview At Brookview Financial, we understand that and have created an investor program for today's real estate market! -Quick Closings -Proof of Funds Letters Points Standard Program 3½-4* -No Prepayment Penalty -Discounts on Education Investor Recovery Program 4½-5* Interest Rate Advance % (On total purchase and rehab costs) Max LTV (Based on After-Repaired Value) General Reserve Interest Reserve Credit Score Activation Fee 13.99%-14.99%* 14.99%-15.99%* 100% 100% 60% (1) -65% (2) 60% (1) -65% (2) 12.5% 30% 6 months prepaid 6 months prepaid 660 or above Below 660 1% 1% * Buydown Program Borrowers have the option of buying down their rate or points in exchange for additional reserves as follows: For an additional 10% reserve, Borrower may elect to either buy down the rate by a full percentage (e.g. a buydown to 12.99% from 13.99% for qualifying Platinum Members), or buy down the points by ½ (e.g. a buydown to 3 from 3½ for qualifying Platinum Members). For an additional 15% reserve, Borrowers may buy down both the rate by 1% and the points by ½. (1) For Borrowers who are doing a deal outside of their state of residence, or are potentially not refinanceable for take-out financing. Subject to other underwriting criteria. (2) For Borrowers who meet all of Brookview's standard underwriting requirements. Terms subject to our standard underwriting criteria and due diligence, and subject to change. Brookview Financial financing rehab investors nationwide Since 1992 ***Max LTV is 65%

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