Specialty Mortgages. Flexible Options for Doctors and Other Medical Professionals. Federally Insured by NCUA

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1 Specialty Mortgages Flexible Options for Doctors and Other Medical Professionals Federally Insured by NCUA

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3 A specialty home loan option uniquely tailored for doctors and dentists. Health depends on doctors and dental professionals. It s no small feat what you do, and Vantage West appreciates your hard work immensely. That s why we want to use our own skills to help you. We understand that your day-to-day doesn t necessarily fit some banks ideas of normal. A busy and sometimes erratic schedule, expensive schooling that may not be paid off, and other circumstances of your career can make some banks confused about how to meet your needs, especially when it comes to home loans. Because we fund our own mortgages, we can offer you flexible home loan options made specifically for your life as a doctor or dental professional that are not available through big banks and brokers. Our lending specialists recognize your unique needs, and will go above and beyond to meet your schedule demands, tailor a solution, and ensure you have a positive mortgage experience.

4 Eligible Professionals - DO - MD - DPM - OD - Resident Doctors 1 - Dentists (DDS, DMD) - Dental Surgeons (specializing in oral/maxillofical surgery) About the Program - Get up to 95% loan-to-value - No private mortgage insurance (PMI) required - Competitive interest rates, with no adjustment for Jumbo Loan amounts Eligible Properties - Single-Family Residences - Townhomes - Condos 2 Other Home Loan Options - VA - FHA - Conventional - Jumbo - Land Lot

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6 Caring for other medical professionals special mortgage needs. You ve dedicated your life caring for those in need. As you go through your busy day, every moment presents an opportunity to make a difference in people s lives. Vantage West understands that the choices you make and the services you provide can both be critical and rewarding. While you take care of others, let Vantage West take care of you. Nothing beats the security of owning your own home, and when you re ready, we ll work with you the best we can to make this happen. We know the demands of your career or the need to pay off student loans may confuse banks and other creditors, but we re here to listen and help. Why come to us? We have our own money to lend so we are able to offer this special mortgage program made specifically for medical professionals. Count on our team to recognize your unique needs, go above and beyond to meet the demands of your busy schedule, tailor a solution, and ensure a positive mortgage experience.

7 Eligible Professionals - Nurse Practitioners - Physician Assistants - Registered Nurses - Pharmacists - Chiropractors 3 - Veterinarians - Other healthcare workers such as emergency responders, therapists, technicians and technologists About the Program - Get up to 97% loan-to-value 4 - No private mortgage insurance (PMI) required - Competitive interest rates, with no adjustment for Jumbo Loan amounts Eligible Properties - Single-Family Residences - Townhomes - Condos 2 Other Home Loan Options - VA - FHA - Conventional - Jumbo - Land Lot 1 Must provide a valid signed residency contract before closing of escrow. Must have adequate funds to cover payments until income from residency is received. Graduating residents and fellows, please allow 60 days before start of new job as long as a valid signed contract is in hand. 2 Some borrowers may require down payment of 5-10%, based on credit and property limitations. Condos require minimum 10% down payment and project approval. 3 Must be in practice for a minimum of 4 years. 4 Maximum loan amount of $417,000. All loans are subject to approval. Rates based on credit worthiness, loan product, term of loan, and value of property used as collateral. Mortgage options/rates subject to change without notice. Certain restrictions and fees may apply. Membership required. For the most current information, go to vantagewest.org. NMLS#

8 Locations Pima County 1st Avenue 4280 N. 1st Ave. Broadway 8465 E. Broadway Blvd. Catalina N. Oracle Rd. Craycroft S. Craycroft Rd. DM Air Force Base 3320 S. Craycroft Rd., Bldg Marana 8290 N. Cortaro Rd. Northwest 550 W. Magee Rd. Rita Ranch 7394 S. Nexus Rd. Southwest 3125 E. Valencia Rd. Tanque Verde 7163 E. Tanque Verde Rd., Ste. C114 University 801 E. Speedway Blvd. Wilmot 1100 N. Wilmot Rd. Maricopa County 32nd & Shea Black Canyon N. 32nd St N. 24th Ln. Pinal County Casa Grande San Manuel 2008 E. Florence Blvd. 141 W. 8th Ave. Cochise County Tombstone 218 S. Sumner St. Contact Information Online vantagewest.org or Phone or Corporate Address 2480 N. Arcadia Ave., Tucson, AZ Mailing Address P.O. Box 15115, Tucson, AZ 85708