““Custom Loans Guiding You Custom Loans Guiding You Home”Home”

““Promote creative loan Promote creative loan design to enhance design to enhance

financial freedom through financial freedom through real estate and real estate and

homeownership”homeownership”

Lifestyle Mortgage’s Lifestyle Mortgage’s Mission Statement:Mission Statement:

Lifestyle Mortgage’s Lifestyle Mortgage’s HistoryHistory

President; Ryan Epper President; Ryan Epper founded Lifestyle Mortgage, founded Lifestyle Mortgage, LLC in December 2003, to LLC in December 2003, to create a new avenue for his create a new avenue for his vision and talents. We at vision and talents. We at Lifestyle care about your Lifestyle care about your business; that’s why since its business; that’s why since its opening only 2 years ago opening only 2 years ago Lifestyle has grown. We have Lifestyle has grown. We have expanded our office with expanded our office with additional loan advisors from additional loan advisors from different avenues of the different avenues of the industry in order to keep up industry in order to keep up with the needs of our clients.with the needs of our clients.

Ryan EpperLicensed Mortgage Broker

President

“Promoting Creative Loan Design & Creating Strong Relationships”

•Graduate of The University of Alabama Graduate of The University of Alabama with a degree in Marketing and with a degree in Marketing and BusinessBusiness

•Winner of the Elton B. Stevens award Winner of the Elton B. Stevens award for entrepreneurship.for entrepreneurship.

•A former officer of the American A former officer of the American Marketing Association.Marketing Association.

•Entered the Mortgage Business in 2001 Entered the Mortgage Business in 2001 where he quickly became a well where he quickly became a well respected loan advisor.respected loan advisor.

•Founded Lifestyle Mortgage in 2003 and Founded Lifestyle Mortgage in 2003 and has custom built it from the ground up.has custom built it from the ground up.

Rita RussellPersonal Mortgage

Advisor“Committed To Customer Satisfaction”

• Over a Decade of Customer Service Over a Decade of Customer Service Experience.Experience.

• Extensive Sales and Marketing TrainingExtensive Sales and Marketing Training

• Degree in Business Management and Degree in Business Management and Human Resources Development.Human Resources Development.

• Familiarity With Both Sub Prime and Familiarity With Both Sub Prime and Prime Lending Programs.Prime Lending Programs.

• Dedication to Finding Solutions for All Dedication to Finding Solutions for All Parties Involved in any Real Estate Parties Involved in any Real Estate TransactionTransaction

Joel M. StrayerPersonal Mortgage Advisor“Creating Clients for Life.”

• 5 Years of Mortgage Branch Management & 5 Years of Mortgage Branch Management & Processing.Processing.

• Specializes In Creating “Out of the Box” Specializes In Creating “Out of the Box” Financing Solutions.Financing Solutions.

• Expert of Prime and Sub-Prime Guidelines.Expert of Prime and Sub-Prime Guidelines.• Former File Manager for Fortune 500 company.Former File Manager for Fortune 500 company.• Extensive Knowledge in Credit Reparation.Extensive Knowledge in Credit Reparation.• Dedicated to Dedicated to TeachingTeaching People How to Achieve People How to Achieve

Their Goals of Financial Independence.Their Goals of Financial Independence.

Top Ten Reasons to Use Top Ten Reasons to Use Lifestyle Mortgage Lifestyle Mortgage

We are your home town We are your home town lender.lender.

Achieve your dreams of Achieve your dreams of home ownership.home ownership.

With over 200 Lenders we With over 200 Lenders we have access to the best have access to the best rates and programs in the rates and programs in the business.business. Let us teach you how to Let us teach you how to use your home as your use your home as your most powerful financial most powerful financial tool.tool. Consolidate your credit Consolidate your credit cards and other high cards and other high interest loans under one interest loans under one low monthly payment.low monthly payment. Reach your dreams Reach your dreams of financial of financial independence.independence.

Receive a free Receive a free credit/mortgage analysis credit/mortgage analysis from one of our Advisors.from one of our Advisors. We will use our knowledge of We will use our knowledge of credit reparation to get your credit reparation to get your credit back on track.credit back on track.

Work together with our Work together with our network of Financial network of Financial Advisors, Real Estate Agents Advisors, Real Estate Agents & Investors for the smoothest & Investors for the smoothest mortgage transaction in the mortgage transaction in the area.area. We have a proven system We have a proven system that gets people through that gets people through the loan process quickly the loan process quickly and efficiently.and efficiently.

WOW goes beyond exceeding your client’s expectations. When you WOW a client, you actually surprise them with information, advice and total experience beyond what they ever expected.

In the Internet Age you need to go beyond a win-win relationship, beyond value added service and beyond one-to-one relationships. You need to WOW clients with information, advice, and education with the goal of bettering their Lifestyle.

This is our commitment to our clients.

The Power of “ WOW ” :

Here are Here are some some programs programs that you that you may need:may need:

Owner Occupied and Owner Occupied and Second Home Second Home

Purchase ProgramsPurchase Programs 100% New Purchase with 6% 100% New Purchase with 6%

seller contribution, no cash seller contribution, no cash reserves and no PMI with reserves and no PMI with 560 middle score.560 middle score.

Fannie Mae 80/20 1Fannie Mae 80/20 1stst and 2 and 2ndnd with 580 middle score.with 580 middle score.

100% Stated income 100% Stated income purchase loans.purchase loans.

No Doc Purchase loans up to No Doc Purchase loans up to 85%.85%.

100% Financing with only 100% Financing with only one year since bankruptcyone year since bankruptcy

Cash Out, Rate Term & Cash Out, Rate Term & Debt Consolidation Debt Consolidation

RefinanceRefinance Interest only arms with no Interest only arms with no

Pre-payment Penalty.Pre-payment Penalty.

Fannie Mae 80/10 Cash Out 1Fannie Mae 80/10 Cash Out 1stst and 2and 2ndnd with 660 middle score. with 660 middle score. – avoids PMI– avoids PMI

Fannie Mae 80/15 Rate Term Fannie Mae 80/15 Rate Term Refinance with 660 middle Refinance with 660 middle score. – avoids PMIscore. – avoids PMI

95-100% Cash Out refinance 95-100% Cash Out refinance on primary residence. on primary residence.

Investment & Multiple Investment & Multiple Unit Unit Purchase Purchase

ProgramsPrograms 100% Non Owner Occupied 100% Non Owner Occupied

Loans Loans

100% Stated Non Owner 100% Stated Non Owner Occupied LoansOccupied Loans

100% Investment loans for 3 100% Investment loans for 3 and 4 unit structures.and 4 unit structures.

7 day seasoning for a quick 7 day seasoning for a quick property flip.property flip.

““Custom Loans Guiding You Custom Loans Guiding You Home”Home”

We are Lifestyle Mortgage.We are Lifestyle Mortgage.

“Committed To Customer Satisfaction”“Creating Clients for Life.”

“Creative Loan Design and Strong Relationships”

www.Lifestyle-mortgage.com click hereclick here