Your Personal Public Employee Mortgage Solutions Loan Advisor

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					                    Loan Agent Name
                    Loan Agent Title
                    Loan Agent tag line to          Why Choose Land/Home
                    go here
                                             At Land/Home Financial Services, Inc. we’ve
                                             built our reputation on knowledge, commitment
                                             and trust since 1988. Land/Home has always

                                             conducted business in a highly ethical manner
                                             while      focusing    on
                                                                         Land/Home always
                                             doing what is best for
                                                                          focuses on doing
             Loan Agent Brief Bio.           the customer. It is this
                                                                           what is best for

                                             philosophy and our
                                                                            the customer.
                                             executive teams’ smart
                                             business sense that have enabled Land/Home to
          Call Me For a                      grow while other companies closed their doors.
     Land/Home Loan Today!                   Land/Home advantages:
            Phone 1: 000-000-0000               • Mortgage banker, in business since 1988.
            Phone 2: 000-000-0000
            Phone 3: 000-000-0000               • Specializing in VA loans for more
               than 22 years, and a VA Automatic
              Web site address
                street address
                 Suite number
             City, State Zip Code
                                             M    lender.
                                                • Approved FHA Direct lender.
                                                • Staffed with several on site direct
                                                  endorsement underwriters.
                                                • Fannie/Freddie seller servicer.
                                                • In house underwriting, doc drawing,
                                                  and funding to ensure a smooth loan
                                                • Licensed in 41 states                                                Your Personal Public
                                                • Always Competitive with interest rates                               Employee Mortgage
                                                  and loan fees.                                                       Solutions Loan Advisor
                                                • Excellent personalized customer service.
                                                                                                                            First time homebuyers
                                                                                                                            New home purchases
You take care                                                                                                               Refinances
                                                  Rates and programs subject to change. Not a commitment to lend.
of the important things,                          Restrictions may apply. Equal Housing Opportunity Lender. CA Dept.
                                                  of Corporations. Land Home Financial Services, Inc. 4415 Freeport
so let us take care of you.                       Blvd., Sacramento, CA 95822. NMLS #248060. Date: 02-23-11
                                                                                                  Land Home Financial Services, Inc. – Built
                                                                                            On Knowledge, Commitment, and Trust Since 1988

                                                                                                                    PEMS Loan Options
                                                                                                                    • Conventional Loans
                                                                                                                     - Conforming Fixed Rate Mortgage:
                                                     market that needed specialized mortgage alternatives.           10 – 30 year
                                                     Public employees give back to their communities on

                                                                                                                     - Conforming Adjustable Rate Mortgage:
                                                     a daily basis and Land Home wanted to give back by
   Is a Public Employee                              continuing to offer affordable lending programs to
                                                                                                                     3, 5, or 7 years

    Mortgage Solutions                               public employees in and outside of California.                 • Government (FHA) Loans 30 year fixed rate
                                                                                                                    • Fannie Mae DU Refi Plus
    Loan Right for You?                              CalPERS and PEMS Comparison

                                                                                          Offered by   Offered by   Contact Land Home and fulfill your
What is PEMS?                                                                              CalPERS     Land/Home
                                                                                                                            dreams with a PEMS loan.
Land Home understands what public employees              Competitive Interest Rates          3            3
need when it comes to
affordable mortgage loan
options. Being one of
the top lending providers
approved for the CalPERS
program has shaped our
                                   Purchase or
                                refinance a home
                                 with competitive
                                 mortgage rates,
                                                        Reduced Administration Fee

                                                      Lock Periods: 30, 45, 60, 90 days

                                                             PERSONAL Loan

                                                          Reduced Title Fees with
                                                            Approved Affiliates
expertise in servicing those preferred loan terms,       Primary, Secondary Home,
that are in the market to and discounted fees.                and Investment                 –            3
purchase or refinance their
home loan. Due to the suspension of the program on
                                                      FHA No Origination Fee Available       –            3
December 15th, 2010, Land Home is determined to
                                                       FHLMC Relief Refinance 105%           –            3
offer unique lending options for public employees.    Float Down Feature for Purchases       –            3
Land Home realized the elimination of the Members     Agency High-Balance Conforming         –            3
Home Loan Program would leave a void in a

                                                                                                                                                         Last updated: 08-25-11

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