MAKER CAPITAL GROUP. The Maker Capital Group Team. Your Local Mortgage Banker. P: F:

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1 MAKER CAPITAL GROUP The Maker Capital Group Team Your Local Mortgage Banker P: F:

2 WELCOME LETTER & NEEDS LIST FOR PRE-APPROVAL MAKER Please gather the items below that pertain to you and sign the pages at the back of this packet and fax all items to me at as quickly as possible to complete your Pre-Qualification process for your home financing CAPITAL GROUP These items are below, please gather all items if they apply to your situation as some items may not pertain to you: General list: 1. 4 most recent pay stubs 2. All W2ʼs for last 2 years 3. Tax Returns for last 2 years please sign page 2 prior to sending 4. Copy of Drivers license and Social Security Card 5. Last 2 months bank statements all pages with name, address, account number- also, please explain all deposits in the statements you provide. 6. Copy of resident alien card - if non permanent resident alien, make copies of front and back of card 7. Social Security Awards Letter - if receiving SS income 8. Child support documentation if you pay or receive child support 9. Last statement for 401k or IRA 10. DBA, or Business License - if self employed 11. Divorce Decree - if you have been divorced in last 2 years 12. Rental Leases on property- if you own other RE 13. Signed Credit Explanation for derogatory accounts 14. DD-214 for VA borrowers 15. If self employed, K-1 for last 2 years 16. If self employed, last 2 years of business tax returns 17. Retirement income Retirement awards letter & most recent W2 or 1099 and most recent statement. We will need a letter from pension administrator verifying likelihood of continuance of 3 years. 18. Please print, complete, date and sign pages Bankruptcy Discharge documents - If ever filed for BK 20. If you own any other real estate, provide mortgage statement, property & insurance information. Home purchase list: 21. Purchase Contract 22. Provide quote for homeowners insurance 23. Copy of Processed/cashed earnest money check 24. Copy of Processed/cashed option money check 25. Copy of Homeowners Insurance Policy Home Refinance list: 26. Current Mortgage Statement 27. NOTE from last fi nancing, in closing title packet 28. DEED from last fi nancing, in closing title packet 29. HUD-1 from last fi nancing of your home 30. Survey of property 31. Property tax statement for current property YOUR MAKER CAPITAL TEAM. WE WOULD BE HONORED TO SPEAK WITH YOU DIRECTLY. Tenise Lowery Loan Officer Assistant tlowery@ameriprofunding.com Tenise@makercapitalgroup.com NMLS# Direct: Tenisha Curtis Admin Assistant tcurtis@ameriprofunding.com Ph: ext: 307 If you have any questions about the items listed above or about your specifi c loan, please contact us directly at (512) You may speak to any member of our team or your Personal Mortgage Banker. THANKS AGAIN FOR THE OPPORTUNITY AND I LOOK FORWARD TO WORKING WITH AND FOR YOU! 2760 Gattis School Road Round Rock, TX Offi ce: Fax: Freddy Duarte Branch Manager Loan Officer fduarte@ameriprofunding.com Freddy@makercapitalgroup.com NMLS# Direct: P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

3 WHY CHOOSE OUR TEAM? PROCESS COORDINATING OUR TRADEMARKED PROCESS COORDINATING CONSISTS OF 3 DEDICATED LOAN PROFESSIONALS FOR THE PRICE OF 1 When doing business with our team, whether you are the title escrow officer, listing agent, selling agent or valued client you will know exactly where your loan stands every step of the way. In our book, constant communication always results in smooth transactions. Our process consists of constant communication by or phone call twice a week to all parties involved in the process. Loan disposition updates will go out periodically aside from our Process Coordinating to deliver up to the minute updates. We understand many lives are on standby through the loan process and it is our goal to reduce stress by offering complete transparency of our process. You will always have a member of our team available to you. We reply to s 7 days a week and welcome any questions, comments or assistance. We are so sure that you will be satisfied with our service and communication that we are willing to Guarantee it with our Quality Service Guarantee. QUALITY SERVICE GUARANTEE NOT ONLY DO WE PROMISE YOUR QUALITY EXPERIENCE BUT WE GUARANTEE IT WITH OUR QUALITY SERVICE GUARANTEE We put our promise on paper and live up to the standards we expect and service you deserve. We have a unique process that leaves no room for failure. Our commitment is for 3 professionals to always be at your service and a completely transparent process and experience. We look forward to serving you with your next real estate e investment. MAKER CAPITAL GROUP ~ Freddy F. Duarte Thank you for the honor to serve your mortgage needs. Our team will work incredibly hard for you every step of the way. Our business and process carry the family values, ethics and principals that your family deserves. It is a privilege to work on your home loan financing and I cannot wait to hand you the keys to your home. From my family to yours, thank you! ~ Freddy F. Duarte P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

4 LOAN PROGRAMS FHA LOANS: Buy a home with low down payment options with an FHA loan. FHA allows for lower credit score requirements and allows for gift of down payment. This is an ideal loan for a first time homebuyer. This loan can be used to purchase a single family home, condo, duplex or up to a fourplex. Here are some other benefits of FHA financing. FHA home purchase loan: Minimum Down payment: 3.5% of the sales price Ex: $150,000 *.035 = $5,250 down payment requirement Fixed rate loans for 10, 15, 20, 25 or 30 years Minimal FHA regulated closing costs FHA Loans are assumable transfer of ownership without having to sell the home. FHA loan limits for most surrounding counties up to $288,750 FHA allows for you to receive a gift of down payment from family, friends, employer or withdrawal from retirement accounts. CONVENTIONAL LOANS: Buy a home with low down payment options Reduce your mortgage payments and skip a month or 2 Conventional loan limits up to $417,000 Debt consolidation, rate/term refi nance and cash out options Home Improvements loans, home equity lines, and purchase transactions Fixed rate loans for 10, 15, 20, 25 and 30 years 2nd lien options for 80/15/5 loans Conventional home purchase loan: Minimum Down payment: 5% of the sales price Ex: $150,000 *.050 = $7,500 VA LOANS: 100% financing tailored for active or retired veterans No private Mortgage Insurance Veterans closing costs are limited by VA, making sure you wonʼt be asked to pay more than a fair price for closing costs. You have the VA behind you offering additional assistance if you ever find you are having problems making your home loan payments, at any time in the future. Veterans can prepay their VA Home Loans without a penalty. 30, 20, 15 year terms or 3, 5, and 7 year Adjustable rate options. OTHER LOAN PROGRAMS Texas Veterans Land Board: The Veterans Housing Assistance program offers an interest rate reduction to qualifying veterans with disabilities. The veteran must have a compensable service-connected disability of 30% or greater as verified by an Awards Letter from the VA. Bond Loans: Call us today for details on what Bonds are available and if you qualify for this down payment assistance. USDA RURAL HOUSING LOANS: This is a great loan for areas that qualify. USDA has flexible guidelines and no max loan limit. No Mortgage Insurance Competitive, 15, 20 and 30 year fi xed rate options Flexible credit guidelines No Maximum loan limit but income restrictions do apply Some home repairs can be included in loan, restrictions apply Area specific loans, call to see if your area qualifi es P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

5 16 STEPS TO HOMEOWNERSHIP Loan Application - Now that you have decided to 1 purchase a home it is first best to complete a full loan application. This will allow us to prequalify you for home fi nancing. Pre-qualification - Now that you have completed 2 a loan application and are prequalifi ed, Congratulations! With your application complete you can start your home search. Prequalification gives you an idea of how much you can afford based on your debt, income and credit history. The key to getting prequalified is to provide your entire credit history. Neglecting to mention an outstanding car loan or previous credit problem can nullify the pre-qualifi cation. The Hunt - Now that you know how much home 3 you can afford, you can begin shopping. Ask your Real Estate Agent to search the MLS(Multiple Listing Service) daily for homes that meet your specifi c requirements. Purchase & Sale Agreement - When you 4 find the right home, the terms of the sale are negotiated, including the sales price, repair requests, move-in date, etc. Your agent will present your offer to the sellers. Your pre-qualification or pre-approval letter will usually be submitted with your offer since it can tilt the sale in your favor, especially in a competitive market. Property Inspection - Most purchase loans 5 require an inspection of the property for termite and water damage as well as possible safety hazards. Some problems may need to be repaired before fi nalizing the sale. Appraisal - We require an appraisal on all home 6 sales and refinance. This step could jeopardize a sale if a big discrepancy were to exist between sales price and appraised value of the house. The appraiser uses 4-8 other homes that have sold in the last 6 months within 1 mile from your home to assess a current market value of your home. Documentation - Paperwork supporting the 7 application can be found in our Welcome Packet on your Welcome Letter. This needs to be submitted to your Mortgage Banker upon Pre-qualification. Information commonly sought includes paystubs, 2 years tax returns and bank account statements verifying the source of down payment, funds to close and reserves. If you were preapproved, this step has already been complete. Title Search - This is the time when a search for any 8 liens against the property is conducted. A lien may have been placed on a property to ensure payment of outstanding debts to the owner. All liens must be cleared before a title transfer can be completed. Processors Review - Our loan processor will 9 package all pertinent information to be sent to the underwriter, including any explanations that may be needed, such as reasons for derogatory credit. 10 Underwriters Review - Based on the information put together by both your Mortgage Banker and Loan Processor, the underwriter makes the final decision on whether or not a loan is approved. Lenders are looking for borrowers who will make their payments on time and for a property that will cover the cost of the investment, if a buyer defaults. 11 Private Mortgage Insurance - Only relevant to conventional financing. Many lenders require borrowers to carry private mortgage insurance when their down payment is less than 20 percent of the homes sales price. Even if a loan meets the standards of the lender, a Mortgage Insurance company could choose to deny the loan. 12 Insurance - Lenders require fire and hazard insurance on the replacement value of the structure. Flood insurance will also be required if the property is located in a flood zone. In some areas, lenders require earthquake insurance on certain types of structures. 13 Final Loan Approval - In most cases, when your credit and debt to income ratio is good, your loan will be approved with little to no problems. However, in some cases, you may need to put more money down to improve the debt to income ratio. In addition, if the property appraises for less than the purchase price, you may need to increase your down payment to cover the difference. In some cases, repairs or improvements on the property may be required. There may also be other conditions to meet before the fi nal loan approval and loan documents are issued. Signing - Final loan and escrow documents 14 are signed by you and the seller. Funding - A wire for the amount of the loan will be sent to the title 15 company. 16 Move in! - Now you get to move into your new home. Make sure you replace all the locks for safety, ask us for a referral. Congratulations! NOTICE: This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Ameripro Funding, Inc - NMLS # P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

6 KEEP MORE OF YOUR MONEY THIS TAX SEASON Owning your own home is at the foundation of the famous American Dream, but paying taxes is more the American nightmare. Luckily, homeownership can help you send less to the IRS and keep more money in your pocket this year. Although the benefits of homeownership are vast, the tax benefits associated with purchasing and owning a home are oftentimes overlooked. Who would think that borrowing money to purchase a home could come with so many advantages on April 15th? These benefits include deductibles such as mortgage interest, home equity debt, real estate taxes and others. It is important for all homeowners to know exactly what benefits the can reap! Read on to find out some basics on keeping more and sending less to Uncle Sam this year. What about mortgage interest? Biggest tax break is mortgage interest. ALL interest is deductible, unless the loan is greater than $1,000,000. Additional tax breaks come to those who did any of the following: 1) Cash-out Refinance 2) Home Equity Loan or Line of Credit **Note: Usually equity debts of less than $100,000 are FULLY deductible. Have a second home? In many cases, mortgage interest is also fully deductible on second homes! What about Taxes? The other major deduction is property taxes Property taxes will continue to be an annual deduction as long as you own your home. **Note: Property taxes must be deducted as an itemized expense on Schedule A. Are you moving up to a bigger house? If you make a profit when you sell your home, you can avoid some taxes. Law changes from 1997 allow a gain of up to $250,000 ($500,000 for married joint filers) to be TAX-FREE. **Note: In order to receive this tax benefit, you must have owned the property for 2 years and lived in it for 2 of the 5 years prior to the sale. What is NOT deductible? Property Hazard Insurance Unfortunately, Hazard insurance is Nondeductible Insurance for ALL. PMI- Private Mortgage Insurance Other nondeductible residential expenses Unless you meet requirements of a certain HOA dues PMI law, you wonʼt be able to deduct your Additional principal payments Private Mortgage Insurance. Home depreciation HOWEVER- If your loan was/is originated or General closing costs refinanced between January 1, 2007 and Local assessments to increase value of your December 31, 2011 and meets certain loan neighborhood. amount limits, you might be able to deduct your PMI payments. Important dates to remember 1. January following the year of your home purchase you will need to file the Homestead Exemption with your local appraisal district to reduce your property taxes. After this initial filing you never need to do this again until you move homes. 2. In April every year look out for the Appraisal Districts notice of tax value of your home. This gives you an opportunity to protest the value of your home which is how your property taxes are determined. 3. At the end of every year you will receive a 1098 Mortgage Interest statement with the mortgage interest you paid over the year, property taxes and Mortgage Insurance. You will give this form to your tax professional. NOTE : We are not tax experts and do not advise our borrowers on such matters. P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

7 ABOUT ME & MY FAMILY WELCOME AND THANK YOU FOR VISITING MY PAGE. I FEEL THAT WHEN YOU HIRE ME IT IS IMPORTANT THAT YOU APPROVE OF MY QUALIFICATIONS, EXPERIENCE, KNOWLEDGE, CHARACTER, VALUES AND ETHICS. First and most important, Im a dedicated husband, proud father of 3 amazing children and hard working Mortgage Banker since I take my business very seriously and value every opportunity to serve my trusted clients and business partners. I can offer you a personalized financial strategy, not just a generic mortgage program. The mortgage we design together will be based on your unique situation, individual preferences as well as your financial goals. It will be designed to account for change, both in the market and in your circumstances, so that it can work with you and for you. My approach to mortgage financing is straightforward: I focus on becoming your partner in building the future you desire. As we work together, Iʼll thoroughly explain the programs I recommend, so that youʼll be fully comfortable with all aspects of your new home loan. Every decision we make will be focused on achieving the results you want. My goal is to help my clients make informed decisions through professional advice, individualized planning, quality products, and personal, efficient service. The services I guarantee to provide my Clients: Strict Confidentiality Courteous, Professional Service A Trustworthy and Competent Mortgage Consultant Suitable Recommendations Timely Transactions at the Best Available Prices Full Disclosure of Costs and Risks Clear & Constant Communication Attend your closing to insure every question is answered I will make myself available to you by phone, text or 20 hours a day, 7 days a week. My mission is to set a high standard in the mortgage industry. I am committed to quality customer service - putting the people we serve, first! You will find that the attention, professionalism, and consideration we give to each of our clients make getting your loan a memorable experience. Im a proud husband to an incredible woman; Jessica Duarte who supports me and drives me to my best everyday. Im also a father of a beautiful daugher and my little princess; Celia Lee Duarte and 2 amazing, strong willed sons; Mason Garet Duarte and Parker Owen Duarte. In my spare time I enjoy coaching soccer, playing soccer, working out, running and investing in Real Estate. My business carries the values and ethics you deserve and I look forward to treating you like a part of my family. Thank you ahead of time for the opportunity to serve you. Achievements/Associations Award recipient of 2011 Five Star Mortgage Professional 2011 Presidents Club Member - Top Loan Officers Award WOW Award winner - May Presidents Club Member - Top Loan Officer Award 2009 Presidents Club Member - Top Loan Officer Award Top sales for May 2009 Awarded 2009 Best of Round Rock Award in Mortgage Category from the US Chamber Association Awarded 2010 Best of Round Rock Award in Mortgage Category from the US Chamber Association Successfully acquired Real Estate in South America Member equity group primarily to capitalize in Real Estate Investment opportunities Southwest Texas University, BBA in Finance with a focus on Real Estate Finance, Diamond Sponsor for Austin Board of Realtors Member of the Better Business Bureau Member of the Round Rock Chamber of Commerce Member of National Association of Hispanic Realtors Member of National Association of Mortgage Bankers Education: Southwest Texas State University, BBA Finance P: F: Company NMLS#: Individual NMLS#: Ameripro Funding, Inc The Maker Capital Group Team

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13 Real Estate Transaction Ameripro Funding, INC N. Mopac, Suite 120 Austin, Texas RAPID REPORTING VERIFICATION COMPANY 6628 BRYANT IRVIN ROAD, FORT WORTH, TEXAS 76132

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