Michael Lewers

Fall into Savings!

Savings:

Fall is one of my favorite times of year. I have decided to offer a special discount off closing costs to anyone who is referred to me who closes a loan in the next 30 days. The discount will be $300 off closings costs credited at closing.

Programs:

I am able to originate loans in all 50 states. Programs available are:

• Conforming purchase and refinance.
• VA purchase and refinance.
• Rural Developement 100% purchase.
• Commercial loans.
• Construction loans.
• FHA purchase and refinance.
• Stated income loans.
• Jumbo loans.
• Non-conforming loans.

This is a list of some of the programs I offer. Refer a friend or family memeber in any state and they to will receeive the discount.

What sets us apart:

• Top knotch customer service.
• Years in the business.
• Hundreds of competitive programs.
• Excellant reputation.

Feel free to contact me with any questions. I will be in the office all week and available to help get loans closed quickly.

Make it a great week.

Michael Lewers

1-800-466-9042 Ext. 123

Apply online at www.emeryfederal.com/michaellewers

email michael.lewers@emeryfed.com

Turn your good credit into a good fixed rate mortgage.

There are still so many programs available for home purchase loans and refinance loans. If you have been able to keep your credit in good standing, take advantage of the opportunities you have created for yourself. Everything these days is determined by your 3 credit scores. Here are just a few of the loan programs available:

Purchase Loans: Just to name a few

100% purchase loans available in rural areas through the USDA. This loan has no required PMI and generally requires only a 620 credit score. Available on fixed rates.

3% down purchase loans still available through Fannie Mae and Freddie Mac. A 680 score is generally required for these products due to the PMI (Private Mortgage Insurance) guidelines. Available on fixed rates.

5% down purchase loans available through Fannie Mae and Freddie Mac. Generally you will need a 620 to meet the PMI guidelines. Available on fixed rates

FHA mortgage loans available to 97%. Available on fixed rates

VA mortagge loans available to 100%. Available on fixed rates.

Refinance Loans: Just to name a few

There are so many different programs still available on fixed rates. The better your credit score, the better the rate is that you qualify for.

If you ever have a question, feel free to contact me

Phone 1-800-466-9042 x 123

Email michael.lewers@emeryfed.com

Website www.emeryfederal.com/michaellewers

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

Closing of the week. I have a VA loan scheduled to close for Tuesday September 2, 2008. I little about the loan:

1. 590 mid credit score.

2. 100% financing with VA funding fee then rolled on top.

3. Aggressive interest rate with competitive closing costs.

4. No PMI, obviously VA loans don't have PMI.

If you need help closing a VA loan or any other type of mortgage, I am able to originate loans in all 50 states. Feel free to contact me.

Let's make it a great week.

Michael