Liberty Mortgage

4415 West Harrison Suite 326 Hillside, IL 60162

Phone: 773-677-6460 Fax: 773-439-2450 Email: libmtg@yahoo.com NMLS 1807234

Homepoint

Representative:

Noemi Bielema

Phone:

630-901-0994

Email:

nbielema@hpfc.com

Website:

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Conventional Loan Programs Only;

FHA Program Update

Updated credit score to 600 for 1-2 unit properties

For scores below 620 only (600-619)

• • • • • • • *Purchase and no cash-out refinances only

            • *Maximum 45% DTI

            • *Must have 0x30x12 mortgage payment history

            • *AUS Approve/Eligible only

VA Program Update

• • • • • • • *Updated credit score to 600 for 1-4 unit properties

            • *For scores below 620 only (600-619)

            • *Maximum 90% LTV/CLTV for cash-out refinance

            • *Maximum 45% DTI

            • *Must have 0x30x12 mortgage payment history

            • *AUS Approve/Eligible only

HOME POINT ADVANTAGES:

• • • • • • • *Allow escrow waiver up to 95% LTV (No Flood Insurance) at NO COST on Conventional

            • *Refinance HPFC to HPFC (CUSTOMER FOR LIFE)loans, NO EPO

            • *Odd term from 10 to 30 years allowed. NO HITS!

            • *Transferred appraisals acceptable contact me for detailed information

            • *We offer lock extension up to 20 days FREE!

            • *TBD’S allowed.