Telling It Like It Is….. Questions & Answers Q. Do we pay Entrust Financial for arranging our mortgage? A. In most cases the institution pays us. Sometimes the deal may not be conventional financing and may require fees from the lender or Entrust Financial. In these cases we will disclose this to you right away. Q. Our own bank that we’ve been dealing with for over 7 years has turned us down. Can we still get an approval through a prime lender? A. Yes, we have seen this many times with our customers. There are many prime lenders that will look at the deal merits and not only the negatives associated with it. Q. Will Entrust Financial be able to arrange a mortgage for us if we are self-employed and can’t show our true income? A. Yes, Entrust Financial specializes in self-employed individuals. Q. We have had some credit problems in the past, including a recent bankruptcy, are there any lenders who will give us a mortgage. A. Yes, there are many “B” lenders and we have lots of “private lenders” who will still do these types of mortgages. Entrust Financial helps individuals get re-established and move forward with better credit. Q. How long has Entrust Financial been in business? A. Entrust Financial has been helping people with their mortgages since 1986. Q. Does Entrust Financial only do 1 st Mortgages? A. We do many types of mortgages from purchases to refinances, conventional to high ratio. Each individual has needs for that mortgage and we will exceed your expectations. Q. Is an appraisal required for my mortgage? A. In most cases an appraisal is required. We will look at the deal and let you know what type the lender requires. Q. Do we have to make monthly mortgage payments? A. No, in fact there are many accelerated payments that will save you hundreds and even thousands of dollars off your mortgage. Let us show you how. Q. We want to buy a storefront business with apartments above, can Entrust Financial help us? A. Yes we can. There are many different types of mortgage lenders who do commercial/residential deals just like this. And we’ll get you the approval fast. Q. We have just sold our home and moved into a smaller home. With our retirement coming up we were looking for some investment in real estate lending. Can we do that with Entrust Financial? A. Yes you can. Entrust Financial can help you with funding mortgages with a very good interest rate. We’ve been working with private lenders since we opened our doors in 1986. Q. We want to build on an existing piece of property that we own. Can you arrange construction financing for us? A. Yes we can. At Entrust Financial we have been arranging construction financing for individual homes to small sub divisions. We can even arrange the take out financing for you once the project is complete. Q. Why deal with Entrust Financial, why not just go to our own bank? A. The representatives at Entrust Financial Corporation are licensed @ accredited. We can deal with many more lenders then the average individual, including many banks, trust & life insurance companies. We’re confident we can beat any rate your bank offers you. Q. Are appraisals always necessary when either purchasing or re financing our home? A. Yes, appraisals determine the accurate market value of your home and are required by all institutions and most private lenders.