CalStar Mortgage Inc. For All Your Financing Needs

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1 CalStar Mortgage Inc. For All Your Financing Needs Jasmen Vartanian Tel: Excellent Service since Foothill Blvd. La Canada Flintridge, CA Your Purchase Specialist, call or me for all Financing Questions! Call or me for all Financing Questions!

2 3 Months Hard Money Alternative 1.3 Months Personal Bank Statement 2.Supporting "lifestyle of income on P &L" 3.Certified Profit & Loss income 4.CPA Letter verifying selfemployment

3 3% Down Payment 97% LTV Conventional Loans Low Down Payment as little as 3% Fixed Rate Loans with Terms Up to 30 years Down Payment Assistance Allowed Reserves May be Able to Come from Eligible Gifts At least one borrower must be a first time home buyer One-unit principal residence CalStar Mortgage Inc. Offers a 3% down conventional mortgage option for your borrowers. A down payment can be a serious obstacle to buying a home for many borrowers. CalStar Mortgage Inc. wants to help your borrowers who otherwise qualify for a mortgage get that home, even when they may not be able to come up with a larger down payment.

4 10% Down JUMBO FINANCING, NO PMI!!! 1 Loan no MI Up to 1.5M Purchase & Rate and Term Gift Funds - Ok

5 80/10/10 IS BACK!!! 10% Down payment (720+FICO) SFR, Condo, PUD 15% Down (680+FICO) 2nd Home, 2-4 units NON-OWNER/INVESTMENT: 25% Down (680+FICO) SFR, Condo, PUD

6 A MINUS PROGRAM One year after foreclosure & short sale No TAX returns required 1 Year after Short Sale, Foreclosure, BK and Loan Mod JUMBO NOO Cash-Out No Seasoning on Cash-Out No limit Cash-Out

7 When one Door Closes, CalStar Mortgage Unlocks Another A History of Bankruptcy or Foreclosure is NO Problem CalStar Mortgage's Home Key credit event product is designed for borrowers who have suffered a mortgage credit event such as a bankruptcy, foreclosure, or short sale, and who do not currently meet agency guidelines but demonstrate willingness to grow as a homeowner. WE CAN HELP YOU!!

8 3 MONTHS BANK STATEMENTS (PROGRAM BS) 70% MAX LTV to $1MM Max loan amount: $2MM at 60% LTV with 700 MIN FICO Available: Purchase, Rate/Term, & Cash-Out Cash-Out to $400,000 5/1, 7/1 Available Property Types: Owner, 2nd Home, SFR, PUD RATES STARTING AT 4.50% 700 MIN FICO 70% MAX LTV/CLTV NO 4506-T Required

9 Loans For Apartments, Office Buildings, Retail Stores, Industrial Properties and More...! Commercial Loan Highlights Contact CalStar Mortgage Conventional Bank Loans and Direct Stated Income Loans Nationwide, California Hard Money 150K to 25MM and Jumbo Hard Money Loans 1 Million to 25 Million. Direct Stated Income! 30 Year Fully Amortized Commercial to 30% Down Rental 1-4 SFR to 30% Down Small Business Loans to 10% Down

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11 PUT YOUR INVESTMENT BACK IN YOUR POCKET! Did you recently purchase a home without financing? Are you looking to put that money back into savings? Call us today to refinance! Refinance immediately after purchase Regain your investment Close your loan in 30 days or less!

12 Verification of employment Only to 10% Down No Tax Returns 720 Fico NO MI option 600 Fico to 75% LTV $2.5MM max loan amount NO limit on cash out Reduced Doc for self employed to 85% LTV with NO MI Restriction apply. Rates & terms are subject to change without notice. WE WANT YOUR BUSINESS!

13 Product Update: Effective Date for Reduced Annual MIP Announced The 0.50% annual MI premium reduction effective for case number assigned on or after January 26, Does Your Lender Make ? Did you know that 29% of the country has a credit score below 620? If you're turning these buyers away, you may be overlooking a huge client and revenue. FHA Requirements for borrowers with under a 620 credit score: credit score = 3.5% down payment credit score = 10% down payment 12-month verification of rent or budget letter To Pre-Qualify all your FHA Buyers or any Programs Questions...Call Me Today!

14 For the past 24 years, Calstar Mortgage has established itself as one of the prominent financial firms dedicated to Multi-Family, Commercial, and SBA Loans. Our Program Highlights: Multi-Family Purchase/Refinance Commercial Loans Multi-Family/Commercial Call me for Today s Rates No appraisal, No Title, No Escrow Loans!! Unlimited cash Purchase & Refinance

15 Give your buyers the Ultimate Advantage! Use seller contributions to eliminate monthly mortgage insurance Down payment as low as 5% 100% gift for down payment accepted Empower your clients to qualify for more home Set yourself a part as an industry leader! Maximize your profits and reduce the buyer's monthly payment!

16 We Offer Jumbo loans that are better than ever! CalStar Expanded Jumbo: Up to $3M with 30% down and 720 credit score, $2.5M on second homes 20% down to $2M with 720 credit score 2-4 units allowed on primary Residence up to max LTV/Loan Amount offered on SFR with restrictions. Cash-out transactions to $2.5M with $750K cash out borrower 1 appraisal up to $1.5M Non Occupant Co-Borrowers are allowed Call today for free consultation & pre-approval letters Your Purchase specialist always at your service. Any time!

17 Highlights: 15 and 30 Yr Fixed Products Loan Amounts up to 3,000,000 15% Down & ZERO M.I Primary and Second Home. Investment & First Time Buyers Purchase, Refinance and Cash-Out 700+ Fico Call today for free consultation & pre-approval letters!!

18 Call us and ask how appraisal orders can close in less than 8 days from submission.

19 PAY ADVANTAGE

20 Take advantage of the great pricing on our new Jumbo ARMs!!! Program Features: 5/1 & 7/1 ARMs Up to $2,500,000 max loan amount For borrowers with excellent credit Delayed Financing allowed and treated as Rate & Term Purchases & Refinances (cash-out to $300,000) Second Homes allowed CALL TODAY FOR FREE CONSULTATION & PRE-APPROVAL LETTERS!!

21 FHA: Purchase, Rate/Term Refinance and Cash Out High Balance with 620 Credit Score Cash Out with a 620 Credit Score Credit Scores down to Purchase & Rate/Term Refinance First Time Home Buyer Programs - No Score Borrowers Allowed Streamlines Down to 580 with no AVM Manufactured Purchase, Rate/Term Refinance & Cash Out VA: 100% Purchase including High Balance/Jumbo IRRRLS DOWN to a 580 Credit Score Call Today For Free Consultation & Pre-Approval Letters!!

22 Small Business Administration (SBA) Loans BA Express Loans THERE'S AN SBA LOAN FOR ALMOST ANY BUSINESS NEED. Flexible financing for a multitude of business needs. If you're looking for working capital up to $100,000 consider the cash flow Manager Line of Credit, which can be part of the SBA Express program. The benefits are significant, including the ability to apply online and borrow against the line on a needed basis. SBA Express Loans (from $100,000 to $350,000) This SBA loan program offers term loans and line of credit options. Proceeds may be used for financing business acquisition, equipment and debt refinance. Business Ownership and Expansion loan from $250,000 to $5 Million If you're interested in acquiring or expanding a business, two types of SBA loan programs are available. Both are designed for business with smaller borrowing needs. Up to $5 million for the SBA 7(a) Business loans Up to 90% financing Loans up to $11.25 Million Terms up to 25 years Fixed and variable rate options No balloon payments Most for-profit small business are eligible SBA loans originated at U.S Bank are serviced by U.S Bank, ensuring personalized service

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24 We Open for you the Doors to More Options With: Niche Loan Products: 80% LTV to $750K with 580 FICO - Non-Prime Foreclosure/Short sale 2+ Yrs & 24 Months Bank Statements. 80% LTV to $750K with 580 FICO - Non-Prime 1 Out of Foreclosure & 24 Months Bank Statements. 80% LTV to $850K with 660 FICO - Early Access 3 Years Out of Foreclosure (2600-EA) 65% LTV to $1.5MM with 680 FICO - Foreign Nationals - Traditional Documentation (100-FN) 70% LTV to $1MM with 700 FICO - 3 Months Bank Statements (1700-3BS) 75% LTV to $500K with 680 FICO - Investor No Income Verified (100-INV) 80% LTV to $625,500K with 680 FICO - 12 Months Bank Statements (100-12BS) 75% LTV to $1MM with 620 FICO - Rental Income to Qualify (2200-INV) Apartment Lending with 5+ units up to $10MM 60% LTV Mixed use property financing for commercial and residential properties Entity Vesting on certain programs - LLCs, Partnerships, Corporations, Sub S Corps & all types of trusts

25 More Options Traditional Conforming, Government, and Jumbo Programs All Conventional and High Balance Conforming programs (up to 10 properties financed) Non-Owner Occupied 85% LTV up to $417,000 - SFR/Condo 95% LTV Conventional Conforming loan - 3% gift funds from family FICO 95% LTV with 660 FICO with no MI option Jumbo - 80% LTV to $2MM - 10/1, 7/1, 5/1 - fully amortized ARM's with interest only option HARP 2.0 with No LTV limitations on Owner and Non-Owner Occupied loans

26 CalStar Mortgage Inc. For All Your Financing Needs Jasmen Vartanian Tel: Excellent Service since Foothill Blvd. La Canada Flintridge, CA Your Purchase Specialist, call or me for all Financing Questions! Call or me for all Financing Questions!

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