Home Equity Loan

1. Highlander Mortgage Full-service mortgage company located in Austin, Texas.

2. Refinance Advisor This Free Refinance Advisor has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the more questions you answer – the more accurate your results. Your Austin Mortgage Experts Highlander Mortgage is a full- service mortgage located in Austin, Texas. We have been in business since 2008 company

3. First-Time Home Buyers FHA is the way to go if you have a steady job but not a lot of savings. You only need a 620 credit score and payment. What’s even better: that 3.5% down payment can come from a family member! Austin Home Loan Information Highlander Mortgage wants you to be armed information as possible to make an informed decision about your Mortgage. with as much 3.5% down

4.  Mortgage Rates change on a daily basis and can vary depending on your unique situation.  This Free Refinance Advisor has been designed to help narrow down options based on your individual needs.  This Free Purchase Assistant has been designed to help narrow down options based on your individual needs.

5. Purchase-Money Second Liens The problem with using purchase money second liens as a way to avoid PMI is that, in most cases, their presence now makes the rate on the first lien higher than it otherwise would be. This used to not be the case, but now it is. Also, PMI rates have come down tremendously over the last couple of years. For these reasons, it normally does not make sense get a second lien just to avoid PMI. PMI.

6. The Highlander Mortgage Difference: • Quick 30 Second form No SSN required No credit check conducted Your information is kept private Zero Cost Zero Obligation Zero Hassle • • • • • •

7. About Highlander Mortgage The Highlander Mortgage team is committed to providing clients with the highest quality financialservicescombinedwiththelowestratesavailable anywhere. The Highlander Mortgage name is trusted throughout the community. To speak directly with an experienced mortgage professionalsimply give a call anytime or feelfreetoutilize anyof theinteractivetools offeredthroughoutthesite. • •

8. Debt Consolidator Loans This Free Debt Consolidator has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the more questions you answer – the more accurate your results. You’ll receive the Debt Consolidation information you needinstantlywithoutall thecallsandemails!

9. Home Search Highlander Mortgage has established relationships with Realtors across the country. Use this FREE self-help tool to instantly access the largest database of properties for sale in the nation. • Currently renting but looking to buy? Relocating from out of town? If you are looking for property and need some assistance, Mortgage can help. Use this FREE tool and let professionals here help you find the homeofyour dreams! • Highlander the experienced

10. Mortgage Loan Options Buying back mortgage loans allow these agencies to provide a continuous flow of affordablefundingto banks thatreinvesttheir moneybackinto moremortgageloans.

11. Standard ARMs and Hybrid ARMs An Adjustable Rate Mortgage (ARM) is a mortgage with an interest rate that may vary over the term of the loan — usually in response to changes in a universally- recognized published rate (LIBOR, T-Bill, prime, etc). The purpose of the interest rate adjustment is primarily to bring the interest rate on the mortgage in line with market rates. •

12. Conventional Loans Conventional loans are mortgage loans offered by non-government-sponsored lenders.These loan typesinclude: • Fixed RateLoans • AdjustableRateLoans (ARMs) • Balloon MortgagesandPledgeAssetLoans • JumboLoans • ConstructionLoans • ReverseMortgage

13. ConformingLoans Fixed RateMortgage HomeEquityLoans Purchase-MoneySecondLiens StandardARMsandHybridARMs ConventionalLoans FHA Loans VALoans JumboLoans Types Of Loan Programs Fixed vs Adjustable • • • • • • • • • •

14. We are long-term thinkers who advise our clients against “quick fixes” and in favor of long- term stability and personal wealth-building. The more money we can save our clients over the longterm,thebetter.