Platinum Home Mortgage is a mortgage banker that has focused solely on originating mortgage loans for the last 16 years. As a direct lender, we originate, process, underwrite and fund our loans ourselves, using common-sense, ethical lending standards. What makes Platinum Home Mortgage one of the most successful mortgage bankers in the United States? Stability, creativity, execution, and their people. We specialize in FHA, VA, Fannie Mae, Freddie Mac, HomePath® financing, USDA Rural Housing, and select state and local loan programs. Our number one goal is customer satisfaction. To meet this goal, we put our customers first. We are committed to integrity, excellence and professionalism in everything we do and to enriching the quality of life in the communities we serve. FOR MORE INFORMATION CALL: Mortgage Consultant email@example.com First Last XXX-XXX-XXXX CalPERS Member Home Loan Program www.platinumhomemortgage.com Common Questions and Answers Stability. Service. History. Information subject to change without notice. All loans subject to credit approval and certain restrictions may apply. Licensed Mortgage Lender: AZ Mortgage Banker’s License BK-0907539 and BKBR-0109861; Licensed by the Dept. of Corp. under the CA Residential Mortgage Lending Act; DC Mortgage Dual Authority License; FL Mortgage Lender; IL Residential Mortgage Licensee MB.0004152; IN First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License; IA Mortgage Lenders License MBK-2008-0111; KY Mortgage Company License; MD Mortgage Lender; MI Mortgage Lender and Secondary Mortgage Broker and Lender; MN Residential Mortgage Originator; NV Mortgage Bankers License 3177 & NV Mortgage Broker 3063; NC Mortgage Lender NMLS ID 13589; OR Mortgage Lender ML-4718; TX Registered Mortgage Banker; Licensed by Virginia State Corporation Commission under License #MC-5125; WA Consumer Loan Company License; WI Mortgage Banker and Broker. Platinum Home Mortgage Corporation 2200 Hicks Rd., Suite 101, Rolling Meadows, IL 60008 847-797-9500. See our website for additional licensing information. CalPERS Trifold01 - 1/19/10 Offering eligible members security, protection and choice when purchasing or refinancing a home. Helping You With Your Home Financing For over 25 years, the CalPERS Member Home Loan Program has offered eligible members security, protection and choice when purchasing or refinancing a home. Purchasing a home may be one of the most important decisions you will make. With the CalPERS Member Home Loan Program, you can rest easy knowing you will be doing business with a CalPERS Approved Lender who is committed to giving you the service you deserve at a competitive interest rate. Plus, the CalPERS Member Home Loan Program offers Members special cost protections to make the loan process easy and affordable. 100% Available Financing Options Conventional Mortgage Loans Ten-year to 30-year conventional fixed-rate mortgage loans up to a maximum of 97% loan-to-value (LTV) are available for purchase transactions.* Conventional CalPERS mortgage loans can be combined with Fannie Mae Community Home Buyer programs for first-time homebuyers and low-to-moderate income homebuyers. These programs offer financing over $1.6 million. In addition, the program offers the LIBOR adjustable-rate mortgage with competitive interest rates. The 100% Financing* Options are numerous and include MyCommunityMortgage and Flexible Mortgage Products, along with a Personal Loan option that allows a borrower to secure funds for a down payment by using their retirement account as collateral. The second mortgage products offer competitive interest rates while helping CalPERS Members secure down payment funds. Advantages and Benefits ▶ Competitive Interest Rates ▶ 60- and 90-Day Rate Protection ▶ Program Flexibility ▶ LIBOR Adjustable Rate Mortgages ▶ Low-to-No Down Payment Programs ▶ Interest-Only Feature ▶ Personal Loan (100%) Option ▶ Program Is Available Nationwide ▶ No Prepayment Penalties All subject to certain restrictions. Government (FHA) Loans Are You Eligible? The CalPERS Member Home Loan Program is available to all active, inactive or retired members of the following: ▶ California Public Employees’ Retirement System (CalPERS) ▶ Legislators’ Retirement System (LRS) ▶ Judges’ Retirement System (JRS) There are no minimum service or vesting eligibility requirements. CalPERS also offers 30-year FHA fixed-rate mortgage loans. FHA CalPERS loans include many features to help a borrower qualify for a home loan. These include more liberal qualifying guidelines and higher LTVs compared to conventional financing. Purchases and Refinances Rates are the same for both purchase and refinances. In addition, cash-out refinances are available*. *Certain restrictions apply. Please call for details.