STEP #1 SHOWCASE HOME FINANCING There are many financing programs, options and requirements that need to be in place when finding a lender for new construction. These are the steps we fulfilled to secure our chosen lender, FCB Banks, and the criteria we looked at for our financing needs. The HBR has over 20 members in the Mortgage Lending field that were asked to share proposals on their programs for consideration. • Debt to Income Ratio Application / Pre-Qualification Process: • Credit Score/History STEP # 2 Home Plans, Builder, construction costs & location are required to secure this loan. The Builder is instrumental in this part of the loan as they will breakdown the costs and provide the plans once you have decided on the place to build. New Construction Loan includes • Excellent Interest Rate • Interest Only Loan for time frame it will take to build the home • Internal Disbursements with a flat rate ensuring lien waivers are in place from the Trade Partners involved 7 • Down Payment Source

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