The Broadview Community Access Homebuyer Mortgage Program is an Affordable Lending program created with the specific purpose of helping valued community members buy a primary residence.

1. Broadview Community Access Affordable Mortgage Thank you for attending We will begin in a moment Class Scheduled to begin at 6:00pm Homeownership Educator Scott Schang Branch Manager Broadview Mortgage Corporation 1-866-667-6724

3. Who Qualifies for the Community Access Mortgage

4. Community Access Affordable Mortgage Benefits

5. Community Access Affordable Mortgage Guidelines

6. Community Access Affordable Mortgage Restrictions

7. When a Community Access Mortgage is the Best Option Follow up and Take Aways

9. Homeownership experts are standing by to answer your questions during the presentation

10. This is an interactive learning environment. You will get the most value by having your specific questions answered

11. The only dumb question is the one you don’t askWrite this number down in case of technical difficulty 1-866-667-6724

13. Community Based Lending Programs we Currently Offer

14. CalSTRS 80/17 for Education Professionals

15. CalPERS for Member of CalPERS

16. CalHFA for First Time Homebuyers

17. Took key benefits from each program to create Community Access

18. Designed Community Access to offer Greater Benefit to More Buyers

20. The Community Access Mortgage is available to all eligible Buyers regardless of employment or contribution to retirement

21. Restrictions and the Elimination of benefits of CalSTRS and CalPERS programs hurt otherwise eligible buyers

22. CalPERS eliminated interest rate float downs

23. CalPERS requires that you be a member of CalPERS to be eligible

24. CalSTRS reduced qualifying debt to income ratio

26. California Public School Employees

27. California Community College Employees

28. California University Employees

29. California Private & Charter School Employees

30. School District Employees

31. All W2 Employees working in any capacityEligibility: Pay Check Stub and Verification of Employment

33. California State Employees

34. Federal Employees working in California

35. Police Department Employees

36. Fire Department Employees

37. Correction-Penal System Employees

38. Coast Guard and National Guard EmployeesEligibility: Pay Check Stub and Verification of Employment

40. Medical Doctors

41. Nurses – Certified Nursing Assistants

42. Hospital Employees

43. Urgent Care / Clinic Employees

44. Public Health Care Professionals

45. Dentists, Chiropractors, Physical TherapistsEligibility: Pay Check Stub and Verification of Employment

47. Low Down Payment

48. Fixed Costs and Fees

49. WYSIWYG Interest Rates

50. Interest Rate Float Down

51. Low Min Credit Score – No Penalties for Low Credit Score

52. No First Time Homebuyer RequirementFast Approval and Closing Turn Times

54. Eligible for FHA Mortgage Insurance

55. No Maximum Down Payment Restrictions

56. No Down Payment Restrictions like CalSTRS 80/17

57. Fixed Costs and Fees

58. Maximum Origination Fee is 1% of Loan Amount

60. What You See Is What You Get – Published Daily

61. Look for community access button on top right of CalPETR siteSee Today’s Interest Rate

63. If the Interest Rates Drop during Escrow you get Lower Rate

64. No Cost to Reduce Interest Rate

65. No Paperwork Required to Reduce Interest Rate

66. Only One Float Down Allowed per Property

67. If escrow falls out or address changes – New Lock Required

69. Minimum 620 Credit Score Required

70. No Penalties or Additional Closing Costs for Low Credit Score

71. CalSTRS 80/17 has increased closing costs below 740 FICO

72. CalSTRS 80/17 - 620 Credit Score adds 3% to closing costs

73. No First Time Homebuyer Requirement

74. May only be used to purchase a Primary Residence

76. Loan Pre-Approval in 24 Hours – After all paperwork received

77. Underwriting Turn Times - Currently 48 hours

78. Conditions signed off in 48 hours or less

79. Loan Documents available in 24 hours after final approval

80. 10 to 17 day Loan Contingencies OK

81. 30 Days or Less Escrow OK

82. Mortgage Emergency – Loan Rescue turn times Expedited Recent Company Record – Start to Finish 16 Days

84. Single Family Residence

85. Income Limits – Maximum Loan Amount $417,000

86. Maximum Income Limits

87. $125,000 for Taxpayer filing Single

88. $250,000 for Taxpayer filing Joint

89. Cannot buy down Interest Rate*Exceptions are considered on a case by case basis

91. If you are CalSTRS Eligible and wish to put more than 3% Down Payment

92. If you are CalPERS Eligible, and ineligible for CalPERS Down Payment Assistance or want to have the Float Down option

94. Broadview Mortgage is the ONLY lender that offers the Community Access Affordable Mortgage

95. We are more than happy to be your “second opinion” if you are already working with someone

97. You will receive a “Thank you” email with links to the information we’ve talked about here today including

98. Copy of power point presentation

99. Link to Guidelines and Interest Rate Sheet

100. Secure on-line loan application Recording of Class to Follow

101. Thank You for Attending – Please Tell a Friend  Please tell us how we’re doing Follow up email includes a link to “Praise” page Your feedback is greatly appreciated For more information 1-877-823-9250 www.CalPETR.com Homeownership Educator Scott Schang Branch Manager Broadview Mortgage Corporation