1. Construction-to-Perm FHAOneTimeClose BuilderIntroduction N O R T H H O U S T O N 281-860-2533ext.101 16000StuebnerAirline#340 Spring,Texas77379 NMLS:129122

2. Program Highlights Combinesthefollowingfeatures: StandardFHAGuidelinesApply: Aconstructionloan,whichisashort-terminterimloanforfinancingthecostofconstruction,and Thetraditionallong-termpermanentmortgage Involvesonlyoneclosing Loanismadedirectlytobuyer,notthebuilder Nointerestpaymentsdueduringconstructionbyeitherthebuilderorthebuyer Noadditionalappraisalafterclosing Noadditionalcreditpull/qualifyingafterclosingNoadditionalcreditpull/qualifyingafterclosing 3.5%downpaymentorLandinLieuofdownpayment 6%sellercontributions Countyloanlimitsuptoamaximumof$417,000 1-4singlefamily Consideredapurchasetransaction,formortgageinsuranceandLTVpurposes Worksforlotpurchaseorexistingland $417,000 ConstructionFinancing forTodaysMarket FHAOneTimeClose N O R T H H O U S T O N 281-860-2533ext.101 16000StuebnerAirline#340 Spring,Texas77379 NMLS:129122 3. BuilderApproval&Costs Background&Licensing BuilderCosts Principal(s)Resume Bankreference Supplier&Subcontractorreferences CorporateResolution BuilderSales&ClosingReport ArticlesofIncorporation StateBuilderLicense(ifapplicable)StateBuilderLicense(ifapplicable) OccupationalorBusinessLicense AcceptanceLetter-HUDAcceptable10-YearWarrantyCompany 3YearsBusinessTaxReturns GeneralLiabilityInsurance(Minimum$1M) PersonalTaxReturnsifSoleProprietor (ifextensionwasfiled,provideprioryearAuditedFinancialstatement) CurrentYTDProfitandLossStatement CurrentBalanceSheet CompletedW9formCompletedW9form FinancialInformation FHAOneTimeClose N O R T H H O U S T O N 281-860-2533ext.101 16000StuebnerAirline#340 Spring,Texas77379 NMLS:129122