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} ACACIA FEDERAL SAVINGS BANK 7724 Donegan Drive Manassas, VA 20109 SYLVIA SETASH SEPTEMBER 1, 2009 sylvia.setash@afsb.com OFFICE: (703) 595-4150 CELL: (703) 498-5042 FAX: (703) 848-2266 GOVERNMENT LOANS (FHA/VA) 30 YEAR FIXED 5.000% 0.000 + 1.000 FHA TO $362,790/ VA TO $417,000 4.750% 1.000 + 1.000 ADD .25 FOR VA WE HAVE JUMBO VA TO 650K & JUMBO FHA TO 729K CALL FOR QUOTES ON JUMBO VA/FHA PRODUCTS CONVENTIONAL FIXED 30 YR FX-CONFORMING 4.750% 1.000 + 1.000 CONF LIMIT $417,000 80/15/5 AVAILABLE – CALL FOR RATES/TERMS 30 YR FX-C-JUMBO 5.250% 0.000 + 0.000 PORTFOLIO ARMS & SO MUCH MORE!! ***1 YEAR***3/1 YEAR***5/1 YEAR*** THE LOWEST CAPS ANYWHERE!!! 2/2/6 95% TO 600K 90% TO 625K 80% TO 700K ***FULL RENTAL CREDIT TOO OFFSET EXITING PITI ON MOVE UP PURCHASES*** Seller may pay 5% (+ ½ MD xfer tax) on 95% LTV & up to 9% on 90% LTV Non Permanent Resident Aliens allowed w/ verifiable assets, credit and income – Diplomats must waive immunity – over 80% LTV subject to obtaining mortgage insurance approval. NO RATIO AVAILABLE 70% TO 600K, 60% TO 700K, 50% TO 800K And even more….. All those little things that make the difference, not only is processing on the premises, it’s 10 feet away from my desk. Onsite underwriting affords you the confidence you need for your negotiations. Special considerations? Let’s get it reviewed. Need a rush? Not a problem, we just closed one in 8 days! We may not be the biggest, but our reputation is the best. Not only are we a VA delegated lender, but also FHA Direct Endorsement, as well as, have VHDA expertise. While we have high tech abilities, we are reaching back in the past by design……call it old fashioned, we’ll just call it a superior customer service experience. OTHER NOTABLES Appraisal problems? On conventional loans, we selected 6 of our favorite appraisers and rotate orders among them. You won’t hear “we never heard of this guy!” Unacceptable!!! And, on FHA loans, we still select who will be doing the appraisal!! WE NOW ARE OFFERING USDA LOANS!!!! COME SEE WHAT A DIFFERENCE LOCAL EVERYTHING MAKES!!!! . SYLVIA SETASH (O)703 595-4150 (C) 703 498-5042 (F) 703 848-2266 THIS FLYER IS FOR THE GENERAL INFORMATION AND EXCLUSIVE USE OF REAL ESTATE BROKER(S), OR AGENT(S), FOR WHOM IT IS PREPARED AND TO WHOM IT IS DELIVERED. IT IS NOT FOR USED BY OR DISPLAYED OR DELIVERED TO THE GENERAL PUBLIC. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
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