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FORWARD with A and N Mortgage Services An overview of the benefits provided through a working relationship with A and N Mortgage

WITH OUR LOANS YOUR E NOT ALONE When it comes to working with an outside service provider you want a company that will treat you like their own We re that company A and N Mortgage Services has spent the last twenty years refining our industry relations and expanding our access to a vast amount of loan products credit unions mortgage insurance companies programs and niche products built to fit an array of homeowners needs Our value lies in providing a working relationship with your company that helps you build stability and wealth with homeownership A and N Mortgage is a team of industry professionals who will work hand in hand with you from the beginning of your new home search to the closing and beyond Moving Forward with A and N Page 2

R E L O C AT I O N Moving to a new location has never been easier with A and N by your side Our company prides itself on not just intimately knowing the real estate market but also on our ability to cater to the specific needs of our clients We can connect you with rental specialists real estate attorneys home insurance agents home inspectors movers interior designers and contractors See below for an overview of some additional services A and N can assist with during your move Day Care Assistance with finding reliable childcare Pet Care Assistance with finding reliable pet care School Districts Information on local schools in the area Moving Forward with A and N Page 3

Movers Connections with local movers in the area Utilities Connections with utility companies in the area More Interior designers contractors etc Moving Forward with A and N Page 4

PRODUCT VERSATILIT Y With A and N s access to over thirty banks credit unions mortgage insurance companies programs and niche products we re equipped to cater to many unique situations A and N s pricing model is for the highly competitive Chicago market You may have access to benefits regarding local and national programs Chicago Specific Programs and Benefits As a Chicago based company A and N Mortgage has access to products and benefits exclusive to Chicagoland residents See below for a breakdown of these products Self Employed Clients Our special in house program allows Chicagoland selfemployed borrowers to use only their last 24 months of bank statement deposits as income First Responder Credit The A and N Home Loan Credit can provide 2 000 in potential savings for Chicagoland first responders CPS Teacher Program This program has been designed to assist Chicago Public School employees by providing them with up to a 3 000 homebuying grant See back cover for more details

Nationwide Programs and Benefits Non Warrantable Condos A and N s special in house programs finance for condos that don t fit into regular financing guidelines Co Ops Our special in house programs for financing of cooperative mortgages allows the borrower to purchase shares of a co op housing project Credit Unions Access to flexible qualification requirements lower fees lower interest rates and APRs and a community feel Each client is a member and holds shares in the institution Restricted Stock Units RSUs A and N can potentially work with clients utilizing their RSUs as a part of their buying power Low Down Payment Options on 2 4 Units The A and N 5 Down Conventional Loan Program provides an opportunity for borrowers who don t have the standard 15 down payment for a 2 4 unit property Physician Loans The A and N Physician Loan is specifically designed to offer favorable terms for homebuyers in the healthcare industry VA Loans Veteran Loans offer an attractive 0 down payment and favorable terms that aren t available to the general public Jumbo Loans A and N provides underwriting closing and funding up to 5 million for Jumbo loans in house Moving Forward with A and N Page 6

TIMELINE A and N professionals are prepared to work with your needs at any stage of life Whether you are renting seasoned homeowners looking to invest in new properties or edging close to retirement an A and N consultant is equipped with the knowledge necessary to put your mind at ease Take a look at the chart to the right for a slightly more in depth look at the situations our industry professionals are ready to work with

First Time Buyers Buying your first home is a daunting process We re here to keep you informed every step of the way with unique first time programs Rent vs Own If you re renting and debating the jump into buying we ll give it to you straight with pros and cons to help guide your decision Investing Investment properties come with their own set of guidelines and qualifications If you re considering investing we can assist you Jumbo Loans Interested in upgrading A and N can provide underwriting closing and funding up to 5 million for Jumbo loans in house Renovations Interested in a fixerupper We have access to programs made for funding the purchase and renovations of your dream home Retirement Getting close to retiring Our team is prepared to assist you through the process of dowgrading your assets and finding a new fit for you Moving Forward with A and N Page 8

E D U C AT I O N A L OFFERINGS Our industry professionals are regularly hosting virtual and in person educational events and seminars that you are able to access These seminars and trainings cover a wide array of topics from job specific benefits and unique loan products to tackling the many stages of the homebuying process Provide yourself with peace of mind as you navigate unfamiliar territory with the knowledge of seasoned professionals Moving Forward with A and N Page 9

TH E R E A LTO R A D VA N TA G E Our mortgage consultants are driven to cultivate quality relationships with other industry related professionals including Realtors In order to foster these relationships we have a curated selection of benefits exclusive to our partners These benefits include customized marketing access to our networking space and educational offerings and access to a vast amount of products and pricing With these working connections you can enjoy a smoother transaction from start to finish Timely Approval Having the lender and Realtor working together eliminates any possible confusion or disconnect that may occur during the process Educational Working relationships can provide our clients with access to industry knowledge regarding the processes they may be about to go through Charity Our companies and our partners participate in various philanthropic events building strength and wealth within the communities around us Moving Forward with A and N Page 10

A and N Employee Testimonials THE A AND N CULTURE ENCOUR AGES A COLL ABOR ATIVE MINDSET CREATIVE PROBLEM SOLVING AND PROFESSIONAL GROWTH You genuinely feel like you are more than just an employee and are a part of something Your work matters and you matter A and N Mortgage has been my safe haven This is my family They support me and they want me to succeed This is a place where ideas are shared and those with immense experience strive to help others This company fosters a dynamic and creative work environment with opportunity to learn new things No matter how near or far we may be this crazy passion for mortgages binds us together Moving Forward with A and N Page 12

WE RE HERE FOR YOU At A and N our entire team shares a common goal We may be in the financial industry but we aren t all about the money Our team s real passion lies in putting people in homes they can be proud of we just do it as efficiently and effectively as possible A and N is proudly 100 woman owned Under the leadership of our CEO and owner Neena Vlamis we focus on lending with integrity collaborating with each other and pushing our limits with creative innovation If you re looking for a lender who can provide you with an array of services you may need during your homebuying journey we re it Moving Forward with A and N Page 14

Contact A and N Mortgage today and take full advantage of our Corporate Lending Program A and N Mortgage Services 773 305 LOAN THIS IS AN ADVERTISEMENT This is not a commitment to lend A and N Mortgage Services Inc 1945 N Elston Ave Chicago IL 60642 p 773 305 LOAN 5626 ANmtg com NMLS No 19291 Serving AL AZ CA CO FL IA IL IN MI MN MT OH SC TN TX WA WI California Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act Colorado Regulated by the Division of Real Estate Illinois Residential Mortgage Licensee IL MB 0006638 Texas Recovery Fund Notice TX SML Approved For licensing information and for Texas consumers to file a complaint go to www anmtg com licensing and www nmlsconsumeraccess org Some restrictions may apply Programs subject to change without notice Offer of credit subject to credit approval CPS Teacher Program Eligible mortgage related expenses include title insurance credit reports recording fees appraisals points transfer stamps third party property inspection fees prepaid interest water certification fees first year payment of mortgage insurance other customary bank related closing charges and or down payment Waiver of this requirement may be requested by CPS teachers with less that one year experience Physician Program Only the medically licensed borrower is eligible for exclusion Deferment must be 12 months beyond closing date Programs available only to qualified borrowers Underwriting terms and conditions apply