Introducing Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance

"What H2O is to the desert L20 is to the housing industry!

Using The Loan-To-Own or L2O  Program- 99% Financing with Down Payment Assistance is now available - Buyers can now Borrow most of their Down Payment. In fact,  using the Loan-To-Own or L2O Program- 99% Financing - Down Payment Assistance Program they can borrow up to 2.5% of the required 3.5% Down Payment Minimum for a FHA 30 Year Fixed Government Insured Loan.

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Loan Purpose

To provide Down Payment Assistance to homebuyers towards the purchase of a primary residence, owner occupied only. Non-occupant co-borrowers are only allowed on FHA loans.

The homebuyer may qualify for a Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance program in the form of a second-lien mortgage to be applied towards the down payment and/or closing costs for a purchase transaction.

The Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second mortgage can be up to 2.5% of the sales price or appraised value, whichever is less. The first and second mortgage CLTV cannot exceed 99%.

This Loan-To-Own Down Payment Assistance Second Mortgage must be approved and simultaneously closed in concert with an approved FHA first mortgage only.

Loan Terms (1st mortgage loan terms)

The following loan programs are eligible for the 1st mortgage with the Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage program:

• FHA Fixed rate: 30-year term Eligible programs:

 FHA 203(b) – 1 unit primary residence only

 FHA 234(c) – condominium unit primary residence

Loan Term & Rates on Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage
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 10 year fixed-rate loan with Interest-only payment terms and balance due in full (Balloon payment) at 10 year maturity. No pre-payment penalties.

 7% fixed with a mid credit score of 640 or higher.

 The Rate is subject to change with interest rate market fluctuations. Rate determined upon receipt of and fully executed registration and lock agreement from Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage

Using the Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage your monthly payment will increase by approximately 15.00 for every $100,000 purchase

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Qualifying Ratios

The file must receive a Loan Program Approve-Eligible or an Accept decision through DU/DO or LP. Total DTI cannot exceed 47% regardless of findings. Credit score is a 640 minimum. Possible exceptions made with management approval.

Other Qualifying Guidelines

Program to follow FHA Underwriting guidelines and DU/DO and LP findings. In some cases there are investor-specific underwriting overlays that must be followed to obtain a final and unconditional approval.

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Closing Costs

Only closing costs customary and reasonable are allowed. Seller may pay up to the FHA maximum allowable costs for the borrower (6%).

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Applicable Fees

 Document Preparation $350

 Second mortgage closing attorney, escrow and title fees may apply.

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Reserves

Not required on 2nd mortgage.

Loan-To-Own or L2O Program- 99% Financing Down Payment Assistance Second Mortgage Loan Size

Up to 2.5% of the sales price or appraised value, whichever is less.

Get Pre-approved today at http://www.PreApprovalNow.com

Search for homes at http://www.Houzoo.com.

Marlo Newman

Mortgage Banker

The Lending Company

6910 East Chauncey Lane Suite 220

Phoenix, AZ 85054

Office:  480-621-4257

Cell:  480-326-9858

Fax:  480-596-6512

NMLS# 207370

BK: 0909441

Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009

The way you make or accept an offer has changed!

Being the geek that I am, when I find something new that allows our industry to take a giant leap forward using technology well....lets just say I like yelling it from the mountain tops.

Introducing the first centralized web based offer management system for free. - OfferRunway.com

Click here to Sign Up for FREE or watch the video
           
Imagine, no more faxing, emailing or hand delivery of an offer and remaining completely in control from anywhere you are connected to the web. Whether you are one agent or a thousand agents in an office the cost equals ZERO, that's right nothing, zilch, zip,- nada!

Brokers I'm sure you know the pure joy of tracking down agents for e-mails, contract deliveries, faxes, keeping a chronological history of all offers maintained only to lose sleep and be worried about your E & O or your compliance...Yuck!

Why spend money and time on paper, printing, faxing, phone tag, gas, couriers, and more for a lousy way of doing business when there is a simple, easy and better way of doing business.

Let's look at the benefits:

··    Cloud Based Global Offer Management (offers are accessible from any web connection)

··    Easy to use

··    Immediate Confirmations, Allows you to notify your client about the progress

··    MLS and multiple Reo platforms integrated

··    Optional Auction capability

··    Saves paper and time. One click document delivery to transactional partners 

- Save a tree go green

LISTING AGENTS

·         Simple FREE sign up for listing agents
·         Easily manage all offers for a property from one site
·         Option to Show number of offers, email seller & auto-counter
·         Your offer alerts find you anytime anywhere
·         Just click accept, counter, cancel, verbal acceptance or decline
·         Automatically respond with offer instructions and or attachments
·         All decline notifications are sent automatically upon acceptance of an offer
·         Automatic dual-agency or Transaction Broker agreement for buyers with no agent
·         One click contract delivery to Loan Officers and Escrow Officers

BUYER'S AGENTS

·         No registration for Buyer's agent is required
·         View how many offers there are on a property
·         Submit a time stamped offer in three minutes or less from anywhere
·         Offers can be uploaded or faxed to a dedicated offer fax number
·         Receive instant confirmations

BROKERS

·         Maintain your paper trail online, seamless, secure and archived
·         Stay organized, save time, enjoy bulletproof compliance
·         Save hundreds of dollars and close more deals in less time
·         Most advanced offer management and DRE compliant software available
·         100% uptime guarantee
·         Free yourself from Your desk and take that vacation
·         Clear your storage facilities from Paper Files

Join thousands of exhilarated agents for F-R-E-E. Visit the online Video Demo at (watch the 3 minute video)

Or Sign Up Free at http://www.OfferRunway.com

As a lender that has received contracts this way, I can tell you it has sped up my closing time. The underwriters and doc department here at the bank love it because they get a better picture of what is going on faster. I was so impressed that I became a sponsor of the site and gladly pay the advertising fee that sponsors pay so it can remain free to all brokers and agents.

Hope you find it as useful as I do.

Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it

  Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.

Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441
Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009   E-mail Me   More About Me

This one is an Industry changer!

Introducing the first centralized web based offer management system for free. - OfferRunway.com

Click here to Sign Up for FREE or watch the video
           
Imagine, no more faxing, emailing or hand delivery of an offer and remaining completely in control from anywhere you are connected to the web. Whether you are one agent or a thousand agents in an office the cost equals ZERO, that's right nothing, zilch, zip,- nada!

Brokers I'm sure you know the pure joy of tracking down agents for e-mails, contract deliveries, faxes, keeping a chronological history of all offers maintained only to lose sleep and be worried about your E & O or your compliance...Yuck!

Why spend money and time on paper, printing, faxing, phone tag, gas, couriers, and more for a lousy way of doing business when there is a simple, easy and better way of doing business.

Let's look at the benefits:

•·    Cloud Based Global Offer Management (offers are accessible from any web connection)
•·    Easy to use
•·    Immediate Confirmations, Allows you to notify your client about the progress
•·    MLS and multiple Reo platforms integrated
•·    Optional Auction capability
•·    Saves paper and time. One click document delivery to transactional partners 
- Save a tree go green

LISTING AGENTS

·         Simple FREE sign up for listing agents
·         Easily manage all offers for a property from one site
·         Option to Show number of offers, email seller & auto-counter
·         Your offer alerts find you anytime anywhere
·         Just click accept, counter, cancel, verbal acceptance or decline
·         Automatically respond with offer instructions and or attachments
·         All decline notifications are sent automatically upon acceptance of an offer
·         Automatic dual-agency or Transaction Broker agreement for buyers with no agent
·         One click contract delivery to Loan Officers and Escrow Officers

BUYER'S AGENTS

·         No registration for Buyer's agent is required
·         View how many offers there are on a property
·         Submit a time stamped offer in three minutes or less from anywhere
·         Offers can be uploaded or faxed to a dedicated offer fax number
·         Receive instant confirmations

BROKERS

·         Maintain your paper trail online, seamless, secure and archived
·         Stay organized, save time, enjoy bulletproof compliance
·         Save hundreds of dollars and close more deals in less time
·         Most advanced offer management and DRE compliant software available
·         100% uptime guarantee
·         Free yourself from Your desk and take that vacation
·         Clear your storage facilities from Paper Files

Join thousands of exhilarated agents for F-R-E-E. Visit the online Video Demo at (watch the 3 minute video)

Or Sign Up Free at http://www.OfferRunway.com

Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it

  Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.

Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441
Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009   E-mail Me   More About Me

DOWN PAYMENT ASSISTANCE

You can now get FHA loans with just 1% down payment and that 1% down payment can be be a gift from a family member, employers, union or non profit agency.

FHA requires 3.5% of the total home price as a down payment but now it is possible to buy with just 1% down. This is due to the introduction of the America's Home Buyer Solution Down Payment Assistance program available in 13 states. This program provides a down payment assistance gift of 2.5%  toward your  down payment and has to be combined with the FHA loan so as to get your 1% down payment. That 1% down, can even be a gift from a relative.

1. America's Home Buyer solution Down Payment Assistance is only available through The Lending Company.

2. You do not need to be a first time home buyer.

3. The property that you are going to buy with a 1% down FHA Loan must be your primary residence,

4. An Online Home Buyer Education Class is requiresd

5. America's Home Buyer Solution Down Payment Assistance program is available in Arizona, California, Colorado, Connecticut, Florida, Hawaii, Nebraska, New Mexico, Oregon, Tennesee, Texas, Utah and Washington on any FHA approved home.

6. Minimum FICO of just 640

7. Maximum income limits based on family size and county, range between $74,050 to $171,750

To see if you are eligible click on the banner below.

Americas Home Buyer Solution

Americas Home Buyer Solution has helped many families purchase a home. Ever wonder what Down Payment Assistance options are available to home buyers to help purchase homes?

America's Home Buyer Solution^TM is a Down Payment Assistance program from a HUD approved 501 (3c) that provides gift funds (non taxable and do not need to be repaid) of up to 2.5% of a homes sales price to be used for Down Payment and/or closing costs.

By utilizing the Americas Home Buyer Solution One Percent Down gift program any home eligible for an FHA government mortgage statewide in the eligible states can now be purchased with as low as 1% down. The minimum down payment requirement for a FHA loan is 3.5%. The program allows qualified borrowers utilizing an FHA 30 year fixed rate loan to receive a qualified gift of up to 2.5% of a home sales price to be used for down payment and/or closing cost assistance. This gift never has to be paid back. The better news is the remaining 1% required can also be a Down Payment Assistance gift from a family member, employer, union, or any other HUD approved source. Americas Home Buyer Solution One Percent Down gift program is offered exclusively through The Lending Company, a Mortgage Bank.

For the first time in history with the equivalent of 1 months rent and 1 months security deposit (something every renter needs when their lease expires) and Americas Home Buyer Solution gift program, they can own a home instead.

Americas Home Buyer Solution gift program requirements:

• Receive up to 2.5% Down Payment Assistance Gift Money for the purchase of a home.
• The remaining 1% down payment required can be a gift from a family member.
• This 2.5% Down Payment Assistance gift NEVER has to be paid back.
• Applies to any FHA Approved Property in the State.
• Seller can contribute for closing costs and pre-paid expenses (taxes, insurance, etc.)
• Not just for first time buyers! Current homeowners may also qualify.
• Expanded income limits based on county.
• Flexible loan approval guidelines.
• Home must be owner-occupied. No rental properties.
• Competitive interest rates.
• No pre-payment penalties.
• Credit Scores: 640 or higher
• Income Limits: Must be at or below The USDA median income limits. I can provide a copy of your county upon request.
• First Time Homebuyers Education - This online course is only $60.00
• Not limited to First Time Homebuyers Only

The Americas Home Buyer Solution One Percent Down gift program is available for any FHA approved property including duplex, triplex or  4-plex in the states of: AZ, CA, CO, CT, FL, HI, NE, NM, OR, TN, TX, UT, WA

If you are a Realtor and have clients who may qualify for this program, or a home buyer looking for down payment assistance, please click on The Americas Home Buyer Solution Link

Call 800-324-3027 or e-mail me mnewman@thelendingco.com for more information.

Free Advertising for Realtors

The number one way to get the phone to ring and prospect for new clients is to give away something everyone wants.

In a market where 7 out of 10 home purchases are by First Time Home Buyers and 7 out of 10 Americans are living pay check to pay check, the number one item First Time Home Buyers want is Free Down Payment Assistance Money to buy a home.

Now in the past when someone has said Free Advertising for Realtors I am pretty sure you have said to yourself, well... You only get what you pay for.

But, today there really is Free Advertising for Realtors that works!

Introducing the Free Advertising for Realtors Friends Don't Let Friends Pay Rent Campaign.

I would like to invite all agents to watch this video to see how the program Free Advertising for Realtors works

Houzoo.com has created Free Advertising for Realtors to promote the Friends Don't Let Friends Pay Rent Campaign.

This Free Advertising for Realtors consists of printed Down Payment Gift Vouchers to be distributed at Events, Church, Hair and Nail Salons, Dry Cleaners, Coffee Shops and more. Each voucher has a unique leads track number. When a consumer redeems their voucher, the Realtor, Loan Officer and Sponsor (Title companies) receives an e-mail alert and a lead.

In addition to the Free Down Payment Assistance Gift Vouchers, Houzoo.com has created other Free Advertising for Realtors materials including Web Banners, text links for web sites and blogs and E-mail templates.

Hi [FRIEND'S NAME],

 A friend recently told me about a great new program at Houzoo.com called "Friends Don't Let Friends Pay Rent" and I thought you might benefit from it.

 Houzoo provides a voucher for a TRUE GIFT to any home buyer for up to 2.5% of the HOMES' PURCHASE PRICE. The gift limit is based on the county where the home is located. Since the minimum down payment required to buy a home is usually 3.5%, it means that you can buy a home for just 1% down when you use this gift program! I looked into it, and the program is completely legitimate. The gift funds come from an IRS-approved non-profit -- and you can even use the money for closing costs. I think it's amazing that with this gift program and about 1 months' rent and security deposit you can actually buy a home!

 Here's the link to the Houzoo Gift Voucher. Check it out and see how much you can get!

 Sincerely,

Marlo Newman

 P.S. Be sure to pass this email to anyone you know that might be paying rent, they'll love you for it!

To sign up for your Free Advertising for Realtors Down Payment Assistance Gift Vouchers, Web Banners, Hyperlinks and E-mail Templates, just sign up for free at Free Advertising for Realtors on Houzoo.com

If you have any questions in regard to Free Advertising for Realtors and the Friends Don't Let Friends Pay Rent Free Advertising for Realtors Campaign

Please feel free to watch the Free Advertising for Realtors video or call with any questions.

Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it

  Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.

Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441
Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009   E-mail Me   More About Me

Down Payment Assistance has helped many families purchase a home. Ever wonder what Down Payment Assistance options are available to home buyers to help purchase homes?

America's Home Buyer Solution^TM is a Down Payment Assistance program from a HUD approved 501 (3c) that provides gift funds (non taxable and do not need to be repaid) of up to 2.5% of a homes sales price to be used for Down Payment and/or closing costs.

By utilizing the Down Payment Assistance One Percent Down gift program any home eligible for an FHA government mortgage statewide in the eligible states can now be purchased with as low as 1% down. The minimum down payment requirement for a FHA loan is 3.5%. The program allows qualified borrowers utilizing an FHA 30 year fixed rate loan to receive a qualified gift of up to 2.5% of a home sales price to be used for down payment and/or closing cost assistance. This gift never has to be paid back. The better news is the remaining 1% required can also be a Down Payment Assistance gift from a family member, employer, union, or any other HUD approved source. The Down Payment Assistance One Percent Down gift program is offered exclusively through The Lending Company, a Mortgage Bank.

For the first time in history with the equivalent of 1 months rent and 1 months security deposit (something every renter needs when their lease expires) and this Down Payment Assistance gift program, they can own a home instead.

Down Payment Assistance gift program requirements:

• Receive up to 2.5% Down Payment Assistance Gift Money for the purchase of a home.
• The remaining 1% down payment required can be a gift from a family member.
• This 2.5% Down Payment Assistance gift NEVER has to be paid back.
• Applies to any FHA Approved Property in the State.
• Seller can contribute for closing costs and pre-paid expenses (taxes, insurance, etc.)
• Not just for first time buyers! Current homeowners may also qualify.
• Expanded income limits based on county.
• Flexible loan approval guidelines.
• Home must be owner-occupied. No rental properties.
• Competitive interest rates.
• No pre-payment penalties.
• Credit Scores: 640 or higher
• Income Limits: Must be at or below The USDA median income limits. I can provide a copy of your county upon request.
• First Time Homebuyers Education - This online course is only $60.00
• Not limited to First Time Homebuyers Only

The Down Payment Assistance One Percent Down gift program is available for any FHA approved property including duplex, triplex or  4-plex in the states of: AZ, CA, CO, CT, FL, HI, NE, NM, OR, TN, TX, UT, WA

If you are a Realtor and have clients who may qualify for this program, or a home buyer looking for down payment assistance, please click on The Down Payment Assistance Link

Call 800-324-3027 or e-mail me mnewman@thelendingco.com for more information.

 As many of you know, we have been working to promote our free downpayment gift voucher program. We have completed the electronic versions with e-mails, hyperlinks for content and web banners.

I would like to invite all agents to watch this video to see how the program works http://www.zentation.com/viewer/index.php?passcode=FYP78TUnsI

Hi [FRIEND'S NAME],

A friend recently told me about a great new program at Houzoo.com called "Friends Don't Let Friends Pay Rent" and I thought you might benefit from it.

Houzoo provides a voucher for a TRUE GIFT to any home buyer for up to 2.5% of the HOMES' PURCHASE PRICE. The gift limit is based on the county where the home is located. Since the mimimum down payment required to buy a home is usually 3.5%, it means that you can buy a home for just 1% down when you use this gift program! I looked into it, and the program is completely legitimate. The gift funds come from an IRS-approved non-profit -- and you can even use the money for closing costs. I think it's amazing that with this gift program and about 1 months' rent and security deposit you can actually buy a home!

Here's the link to the Houzoo Gift Voucher. Check it out and see how much you can get!

Sincerely,
Marlo Newman

P.S. Be sure to pass this email to anyone you know that might be paying rent, they'll love you for it!

"Friends Don't Let Friends Pay Rent"

Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it

  Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.

Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441
Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009   E-mail Me   More About Me

I am looking for industry professionals to help me give away free down payment gift money to help stimulate the housing industry.

http://www.zentation.com/viewer/index.php?passcode=FYP78TUnsI
 

--

"Friends Don't Let Friends Pay Rent"
Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it
 
Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.
 
Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441

Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009
 
E-mail Me
 
More About Me
 
 
 
CONFIDENTIALITY NOTICE: This email message is intended only for the person or entity to whom it is addressed and may contain confidential and/or privileged material. Any unauthorized review, use, disclosure or distribution is prohibited.If you are not the intended recipient, please contact the sender by reply email, then delete the original message and destroy all copies. If you are the intended recipient, but do not wish to receive communications through this medium, please so advise the sender immediately.

I have created a video that explains how consumers can receive a gift of up to $19,866 dollars to use for down payment and or closing costs.

Additionally, this video explains to Real Estate agents how they can give away these gift vouchers and get new clients as quickly as 20 minutes from right now.

All for Free!

Please check this video out, it's new technology from Zenation.com and I would love some feedback on the technology, the down payment gift program, and the voucher program.

http://www.zentation.com/viewer/index.php?passcode=FYP78TUnsI

Thank you,

Marlo

"Friends Don't Let Friends Pay Rent"

Click Here to receive your FREE DOWN PAYMENT GIFT VOUCHER for up to $19,843 and please forward this link to a friend, They will love you for it

  Get Pre-approved today at http://www.PreApprovalNow.com
Search for homes at http://www.Houzoo.com.

Marlo Newman
Mortgage Banker
The Lending Company
6910 East Chauncey Lane Suite 220
Phoenix, AZ 85054
Office:  480-621-4257
Cell:  480-326-9858
Fax:  480-596-6512
NMLS# 207370
BK: 0909441
Licensed in AZ BK0909441, CA 413 0970, CO MB100011970, CT 19893, FL CL0703917, GA 23053, HI HUD Exempt, ND MB101684, NE 1871, NM 03265, OR ML-4513, TN 0000040277, TX 69663, UT 7193987-MLCO, WA 510-MB-29009   E-mail Me   More About Me    

CONFIDENTIALITY NOTICE: This email message is intended only for the person or entity to whom it is addressed and may contain confidential and/or privileged material. Any unauthorized review, use, disclosure or distribution is prohibited.If you are not the intended recipient, please contact the sender by reply email, then delete the original message and destroy all copies. If you are the intended recipient, but do not wish to receive communications through this medium, please so advise the sender immediately.