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“Mortgages with youin mind.”A AND N: SPECIALPRODUCT FINANCINGHomebuyer’s Reference GuideA and N has access to over thirty banks, credit unions, mortgage insurance companies, programs, and niche products to fit an array of homeowner needs. A and N’s pricing model is for the highly competitive Chicago market. Referral partners and clients get access to benefits regarding:Self-Employed clients: Oen when someone is self-employed, they write off too much income to quali for regular financing. Our special in-house program allows them to use only their last 24 months of bank statement deposits as income. To quali, they must have a 700+ credit score, 10% down, $600k max loan amount, live in the Chicagoland area, and income calculated over a 24 month bank statement program.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. Details of this product are no PMI, 90% LTV, and a max loan amount of $750k.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: Residents, recent med school graduates, and doctors in the early stages of their careers may be burdened by expenses such as student loan debt. The A and N Physician Loan is specifically designed to offer favorable terms for homebuyers with great earning potential; $0-down payment, up to $750k, no mortgage insurance, and more.VA Loa ns: Veteran Loans offer an attractive $0-down payment and favorable terms that aren’t available to the general public. VA loans are offered through private lenders, much like a traditional mortgage, but are guaranteed by the U.S. Department of Veterans Affairs. This means these loans typically offer more flexibility such as looser credit requirements and no firm loan limits.First Responder Credit: The A and N Home Loan Credit can provide potential savings for Chicagoland first responders. This $2,000 credit can relieve some of the financial burden of purchasing a new home by covering some of the upont charges.Jumbo Loans: A and N provides underwriting, closing, and funding up to $3 million for jumbo loans in-house, allowing our partners peace of mind. First-Time Buyers: A and N’s loan ocers know how daunting it is to go through the homebuying process for the first time. They have access to many products fit for unique circumstances and are prepared to answer first-time homebuyer questions as they guide clients through the process.ANmtg.com773 . 305 . LOAN 1945 N. Elston Ave. Chicago, IL 60642THIS 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 For licensing information and for Texas consumers to le a complaint, go to: ANmtg Licensing (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org). Some restrictions may apply. Programs subject to change without notice. Offer of credit subject to credit approval. The information provided in this yer is for dissemination to real estate and nancial business entities only, and is not intended for use as an advertisement for the extension of credit to consumers.