Market your properties like never before!

Dear Phoenix based Realtors,

I am offering free marketing sponsorship for local agents here in Phoenix, AZ for a very dynamic and effective website based property marketing system. Take a look at the link below for a brief overview of all the features, this should be in every listing agents arsenal for marketing yourself and your property listings.

Overview presentation and sign up at: http://khufford.mymarketingbook.com

Email me for more info  Kyle@novahomeloans.com

Most of you may already have a similar service that you pay for, this is a totally free of charge service to you for being a cosponsored agent through me, as a mortgage lender, check it out!

Features: Complete Property Website A complete multi-page customizable website for each and every property. Customize the graphics, the menu, the pages... if you can imagine it, you can probably customize it. One Click Posting Tools Enjoy the only "ONE CLICK" html posters for classified sites including Craig's list. With one click of your mouse button, all of the data is auto-populated right into the ad for you. Virtual Tours : Automatic or Customized Tours are automatically created for you from your Gallery pictures. You can customize your tour by adding text, adjusting zooms, adding more pictures and selecting music. pURLs - Agent Websites "pURLs" or Personal URL's are the newest generation of Agent websites. Feature your listings, a MLS search and a bio page. Everything that matters to your customers.* Hi-Def Panoramic Virtual Tours Hi-Definition panoramas give depth and perspective to a property. Display up to 360 degree views of your properties in gorgeous High Definition Quality. Broadcast My Move Pages Buyers can tell everyone about their new home and address. A property page that outlines the new home is live on the web and can be emailed to friends and family.* Mobile Phone Website A Mobile Phone Website is automatically created for each and every listing automatically. These cutting edge mobi sites include a detailed description, multiple photos, and more... Personal Marketing Flipbooks Stand out from your competitors with our remarkable electronic "Flip Show" books as Listing Presentations, Buyer Books and more... Text Messaging WITH Call Capture Buyers can text for more property info about a listing right from their car, and all of the data including the mobile website is text'd right back to their mobile phone in an instant! Feedback System Every property has a full showing feedback system that sends a questionnaire email and charts responses from showings. Sellers can manage and view the feedback as well. Automatic Flyer Generation Property Flyers are generated automatically and include four wonderful layouts that can be printed or turned into a pdf and emailed to your sphere or other consumers. Property Widgets and Featured Properties Prominently feature and link to all of your listings on your personal webpage, office website, blogs, forums and anywhere else on the web you can think of. Syndication Feeds Buyer traffic is increased to your listings. The property information and a link to the property website is fed nightly to the best and most popular classified search sites. Over 100 Music Clips for Websites and Tours Set the right mood with the right music. Showcase the style of the home with over 100 songs that can be put on either the property website, the virtual tour, or both. Voice Overs: Text to Voice - MP3 Uploads Use our cutting edge text to voice function where your text can create a voice intro to the website and narration to your Virtual Tour or just add your personal custom voice. SEO Compatible Perform your own Search Engine Optimization by taking complete control over your websites' META tags. Use the default META tags provided, or edit them yourself. Open House Calendar Our "Open House" calendar helps consumers navigate all up and coming Open House events. Also, the html and posting tools change their title to reflect the next Open House. Front Page Attention Banners Draw attention to that something special about the property with our eye catching front page Banners that can also be customized to suit your specific needs. Unlimited Photos, Text and Documents A picture is worth a thousand words... just think what 100 pictures say! Show it off with unlimited photos, documents, floor-plans, financing options, disclosures, appraisals and more... Full Color Custom High Quality PVC Signs Let buyers see your website or text for more info with our exclusive custom FULL COLOR sign riders. Display your photo, company logo, anything... let us design a rider just for you. Upload Videos, Flash and More If you upload a video or flash presentation of the home it automatically embeds it into the website for optimum viewing. Multi-Layered Security Levels We have proprietary multiple security layers that allow Corporate, Administrator, User and Homeowner logins, so they can have access and view only what is pertinent to them. Website Hit Reporting View where the hits to your website are coming from as well as the Unique Visitor Counts to each and every website page by date in chart form. Push and Pull Texting Capabilities Let all of the texts captured (pulled) from people driving by know of an impending Open House or a price change on the property with our exciting (push) technology.* MLS Compliant Website and Virtual Tour Links Get the most from your MLS listing by using our MLS compliant links to add a virtual tour link to every listing. We're approved by most MLS systems across the nation. Online Users Guide Our Online Users Guide makes navigating our system a breeze. If you can click, you can use our system... but... just in case we have a manual for you. Sign up: http://khufford.mymarketingbook.com

Super Jumbo: Luxury Home Financing in California and Arizona

With the majority of banks pulling out of the jumbo mortgage market it is more valuable than ever to work with a lender who understands this particuliar market exclusively. With our unmatched access to private banking outlets, we make financing your luxury home our business. Brief financing overview provided below, please contact me directly for specifics and to go over your specific needs:

Super Jumbo Residential loans from $1.5M up to $20MM+ for High Net Worth individuals. =================================================================

- Minimum Loan amount $1,500,000

- Primary, Secondary, Investment - Purchase, Refinance or Construction

- Arizona and California Only

- 5, 10 or 30 year fixed rate loans

- Interest rates are in the 4.5% to 6.5% range (Prime Based Product Available)

- No Prepay Penalties

- Interest Only is available

- Stated Income is available using strong liquid assets to qualify

- No limit on cash out

- Not FICO score driven

- 80% LTV on Purchase and Refi

- 55% LTV on Construction (to finished appraised value)

- Foreign Nationals OK with significant down payment

Everything is underwritten on an individual level. Assets, Net Worth and the ability to Cross-Collateralize (if necessary) are the most important characteristics of the borrower. Get a preliminary approval in 24 hours and Term Sheet issued in 7 days usually, and closing within 30 days.

Kyle S. Hufford - Direct 480.628.1943

kyle@luxefinancegroup.com                           www.luxefinancegroup.com

Foreclosures, declining real estate prices, mortgage fraud and Stated Income Loans all seem to be very in vogue topics. Yet recently, most of the spotlight has been sparred for the Mortgage Broker. As mortgage professionals, it is our obligation to try and not only defend our profession as a whole, but clear up some of the common misconceptions about our industry.

Who is the Mortgage Broker you may ask? Well, the vast majority of Mortgage Brokers are very ethical individuals who hold themselves to the highest degree of professional standards. Most are small business owners and loan officers deeply entrenched in the fabric of every community in which we live. We are fathers, mothers, sons and daughters. We coach your kids on Saturday mornings and bake cookies for your local bake sales. And while some have violated our principles and code of ethics, the blame should not fall on those of us whose integrity and conscience continue to define the capabilities of our industry. When one looks past the negative media spotlight and looks at what role we play within the financial services community, they can clearly see that mortgage brokers are a very integral part of defining their overall financial plan. Therefore, the disservice of a few should not be the gauge by which to measure an entire industry. There are many equally, if not more, responsible parties that have contributed to the overall confused state of our real estate markets, including; builders, Realtors®, appraisers, and even retail banks themselves. Oh and please, let us not forget our most sacred treasure, you the borrower. This little talked about subject has had dramatic and wide spread repercussions on our industry. Borrowers themselves have used and manipulated the loan programs incorrectly and even fraudulently to fulfill their get rich quick real estate investment schemes. The thirst for wealth at one point was so great that it blinded many and with every late night infomercial claiming ‘you to can be a millionaire in real estate’, is it any wonder that we are in the predicament that we are in?

With all of these doomsday scenarios at work, what is the Mortgage Broker to do? Disclose, disclose, disclose and then when you are done, re-disclose. We have taken the time to listen to the guidance provided to us by our governing bodies and yet we are no better off. Some even say we do not provide enough disclosure! “More paperwork for everyone, Yippee!” Some say we disclose so much that we actually confuse instead of educate. “Their trying to defraud us!” Really, at the end of the day all we want as an industry is to make a concerted effort to help people navigate the mortgage maze and make the best possible decision for their respective families.

Are we easy targets? Maybe so, however there is no collective arbitrary entity to stand up for us when the lynch mob arrives. The Realtors® have the NAR. The builders have the NAHB. The Banks have the ABA. We as Mortgage Brokers have the NAMB, but I suspect you have never heard of them. Why, well that is a question that is being asked louder and louder by the minute. Most brokers would say that we really have no voice when it comes to addressing the concerns of policy makers and consumers on our behalf. Decisions are being made by the individuals you elect, who have no real banking knowledge or the courage to stand up to the big banking institutions that line their pockets. So the results seem fairly obvious. Our mortgage system got fat and bloated and is only now looking back to see where things went wrong.

We now find ourselves in the middle of a precarious PR predicament. A 30 second sound bite news clip, a news column created to sell newspapers or a campaign platform that does nothing to educate the public and everything to create further confusion about us. Amidst this whirlwind of negative publicity, we will continue our mission of providing a quality service at a reasonable cost to many families that depend on us, each and every day.

The fact of the matter is we provide low cost mortgage alternatives to a retail bank which has been proven time and again. We consistently offer lower rates and fees than many of the banks we eventually send your loan to. We offer a more personalized approach to the mortgage process by taking into consideration the clients' current financial needs, financial goals, and both your short and long term plans. We cater to all levels of sophistication and offer a different level of service by shopping the thousands of loan programs and finding the few that best suit the clients' needs. Essentially, we give you the options and let you decide. We help clients turn their bad credit habits around, encourage them to clean up their current credit problems and purchase a home they otherwise would not have been able to do. The lessons, tips and techniques we provide help the less than savvy individual mold their financial futures with the best information possible at that time. For many that will create better financial lifestyle for the rest of their lives.

Our profession is based on what is in the best interests of the client and the community. We would not be around very long if we didn’t. Believe me, this is not by mistake! We as mortgage brokers originate 2 out of every 3 loans made in this country. We take pride in doing this and place a great deal of importance on the value of the advice we provide. This is the true essence of any advisory business. Although it can be a rewarding career financially, it truly is not all about the paycheck. We fully endorse education for consumers! We fully endorse the education of our loan originators! And we fully support any reasonable change that would not punish borrowers or our industry as a whole for the past mistakes of a small minority.

In light of all the negativity some people want to place on us lately, we will continue to persevere and be a positive resource for our clients, while maintaining the highest degree of ethics and professional standards.

Thank you,

Kyle S. Hufford, along with my colleague's at Broker Outpost