About Somerset County, ME

Effective Immediately,

I wanted to update you on a product I offer that is very aggressive.

• 100% financing purchase loan.
• Up to 6% of buyers closing costs can be paid by seller.
• No PMI required.
• Very competitive interest rates.
• 620+ credit score required.
• Thousands of eligible areas across the country.

I will be in my office this week and available to answer your questions or check eligibility on a property. You would be surprised at the areas that qualify.

This past weekend I checked availability of this product for a borrower. The product was available for the home he wanted to buy. His Realtor said there is no way you can get a 100% loan. The Realtor now has an offer written on this house at 100% financing. Don't miss out on this program.

Call Michael Lewers at 1-800-466-9042 Ext. 123

Email; Michael.lewers@emeryfed.com

Visit www.emeryfederal.com/michaellewers

The Embden Region is located north of the Belgrade Lakes and south of Moosehead, about 4 1/2 hours from Boston. This sparsely populated area is dotted with small lakes and ponds and offers lakefront properties in a variety of settings and price points.

The names of the prominent towns in this area - Bingham, Solon, Caratunk, Harmony, Athens, Guilford, and Monson - are not that well-known outside of Maine, reflecting the rural nature of this region. Similarly, the lakes and ponds are not household names either - Embden Pond, Great Moose Lake, Indian Pond, Piper Pond, Lake Hebron, Sebec Lake, Whetstone Pond, Pleasant Pond, Moxie Pond, Kingsbury Pond, and Manhanock Pond - but what they may lack in size and recognition they more than make up for in offering settings for properties that reflect the timelessness and serenity of rural Maine lakefront living.

The mighty Kennebec River courses through this area from north to south and the Appalachian Trail bisects the region from west to east, meandering its way to its terminus on top of Mount Katahdin, Maine's highest peak. There is ample opportunity for fishing, camping and canoeing or, if you're a little more adventurous, try one of the area white water rafting trips. Great downhill skiing is nearby, just to the west, at both Sugarloaf and Saddleback and there's unlimited opportunities for cross country skiing, snowshoeing, and snowmobiling.

Lakefront Locator will get you to available listings in the Embden Lakes Area. LakeSmart is a research tool that will give you important information about area lakes.

Remember, you can change the house but you can't change the location. So, do your homework! If you have a question or need a friend in the business let us know. We love Maine's lakes and ponds and want to share them with you.