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HOW TO GET AMORTGAGEPLAYBOOKMakingMortgageMagicone family at a time128 Mortgage OptionsMortgage MilestonesCompete Against Cash10 CommandmentsUp Front CostsMakingMoMMrootrgttagggaaeggMaMMgaaiggciionefamilyatatime128MortgageOptionsMortgageMilestonesCompeteAgainstCash10CommandmentsUpFrontCostsNMLS379952

The Mortgage Match Makers:Megan DowningLightening-fast mortgage process in 10 days5 strategies to buy before you sellAlways reachable after hours & weekendsExpert problem solver & clear guidanceStrategizes to win against cashUnderwrites to over 128 loan options and 38 investorsStrategies to minimize cost and lower fee’sFind solutions for every unique situationsCreates options to fit goals, not what’s easiest to closeYour advocate with underwritingMEET YOUR TEAMThe Messmer TeamImpact LendersLoan Originator | nmls 379952Jolene.Messmer@Movement.com425.445.1945 Text or CallJolene MessmerLoan Originator | nmls 393933Megan.Downing@Movement.com425.231-4010 Text or Call

THE MORTGAGE PROCESS4 Mortgage MilestonesMutual acceptance and under contractWire earnest money to escrowLock and secure rate optionDocuSign loan disclosuresDocuSign appraisal depositSubmit to underwritingApply now www.jolenemessmer.comUpload all documentationStructure loan optionsPre-Approval results and letterStart home shoppingConditional underwriting approvalAppraisal report receivedFinal loan approval recievedClosing Disclosure e-signedClear to close with final approvalSign in person with escrowWire funds to escrowFund Loan at MovementRecording numbers from countyOfficially, a new homeownerKeys to be delivered

THE PAPERWORKPreparation is the SeparationMORE INCOME?MORE DOCUMENTATIONMortgage StatementsHOA Monthly StatementInsurance Declaration1 month of Paystubs2 years of Tax Returns2 years of W2TRADTIONAL INCOMESELF EMPLOYED INCOMEBusiness LicenseYear-to-date P&L Statement2 years of Business Tax ReturnsK1's, 1099, etcRSU, OVERTIME, BONUS INCOMEYear-end Paystub for 2 yearsRSU AgreementRSU Vesting ScheduleRETIREMENT INCOMESocial Security Award LetterPension Award LetterTrust DocumentationVETERANDD214REAL ESTATE OWNEDCASH TO CLOSE + RESERVES2 months of statements:checking + savings401k, IRA statementsStock, CD, mutual fundsIDENTIFICATIONDrivers licenseVisaGreen cardN4

UPFRONT COSTSMoney needed prior to closingEarnest Money 1%-3% Paid to EscrowHome Inspection $600 Paid to InspectorAppraisal Deposit $850 Paid to Karis ManagementHome Buyer Class $50 Paid to eHomeAmerica, WSHFC onlyCondo Resale Cert $550 Paid to HOALOAN TYPE MAX LOAN CREDIT DOWN PAYMENTConventional $802,650 620 0%High Balance $977,500 620 5%USDA $782,000 580 0%FHA $977,500 580 0%VA $2,500,000 580 0%Jumbo $5,000,000 620 5%UNDER CONTRACT?Here are your upfront and out-of-pocket costs:You deserve to be a Home Owner!2025 LOAN PRODUCTSLOANTConvenHighBUSDAFHAVAYoYYuoodeddseeessreevrrevvtettbebbaHoHHmooemmOwOOnwwennree!rT$2,500,0005800%$50000006205%TYPEMAXLOANCREDITDOWNPAYMENntional$802,6506200%Balance$977,5006205%$782,0005800%$977,5005800%$25000005800%Yt

Fixed-rate options: 10, 15, 20, 30ARM options: 5, 7, 10Primary, secondary and investmentHigh balance / Super ConformingManufactured homesSeller Paid TemporaryConventional Co-opsHomeReadyStudent loan cash-out refinanceRefiNowMovement Community AssistanceExpanded ADU OptionsHome PossibleHomeOneSpecial Purpose Cash OutCONVENTIONALLTV up to 95%Fixed-rate options: 10, 15, 20, 30ARM options: 5, 7, 10Interest Only optionsLoan amounts up to $5.0 millionCash-out transactionsJUMBOLTV’s up to 90%Fixed-rate options: 30 and 40 yearARM options: 5, 7, 10Interest Only optionsLoan amounts up to $3.5 millionPrimary, secondary and investmentDSCRAsset Depletion12 Month Bank Statement,1099 only1 year documentationEXPANDED ACCESSFannie Mae HomestyleHomeSyle HomeReadyMovement Purchase AdvantageSecure & Sell – BuilderMovement down payment assistanceLock & ShopHECM/Reverse mortgagesMovement HELOCLong term lock options to 360 daysSPECIALTY PROGRAMS89.99% CLTV Primary & Second Home75% CLTV Investment640 minimum FICO$500,000 maximum loan amountHome Equity LoansMORTGAGE MENU3,200Invetors38Forward-thinking loan productsLoansMORTGAGEMENU3,3320000InIIvnnevvteettrttttttsrr3833FFFrFFFFFFwrrawwraadrrddtdd-ddhttihhttttniiknnikkniignnlollaoonaaprpporrdoouddcuutccsttLoLLaoonaasnn0,3300

Covenant 20% or $150,000Movement Boost 3.5% or 5%Home Advantage 3% or 4%Veterans $10,000HomeChoice $15,000Opportunity $15,000Arch East King County $30,000Bellingham $40,000Fannie Mae Homestyle HomeStyle HomeReadyFHA 203k Limited and Full** VA 30-year fixed and 5/1 ARM USDA Rehabilitation and RepairRENOVATION 90% LTV Primary 80% LTV Second Home 700 minimum FICO30 Year Fixed RateConforming Loan Amount9 month construction termInterest rate float down at conversionONE-TIME CLOSECONSTRUCTION TO PERMFixed-rate options: 15, 30 ARM options: 5/1 Manufactured homes High balance Temporary Buydowns Streamline refinances FHAFixed-rate options: 15, 30 ARM options: 5/1 100% financing Manufactured homes Interest Rate Reduction Refinance Cash-out transactions High balance Temporary BuydownsVAFixed-rate: 30 years 100% financing Manufactured homes Temporary 2/1 and 1/0 Buydowns Streamline assist refinances (credit and non-credit qualifying) USDABridge loans Cross CollateralizationHELOCs and Closed end 2ndsBank StatementAsset DepletionDSCRITIN, DACA, and Foreign NationalLand and lot loansCommercial, 5+ unitsLow FICO governmentOne-Time Close Vesting in EntitiesNon-warrantable condos Fix & Flip propertiesBROKEREDDOWN PAYMENT ASSISTANCE

Not Change employment, pay structure, or quit your jobNot Pay off debt or spend the cash that you savedNot Make cash deposits or transfers without guidanceNot Max out credit cards, overspend or incur late paymentsNot Apply for any debt, co-sign, or finance a new carNot Change your marital statusNot Delay on our requested terms neededNot Forget to share travel dates 30 days before closingNot Keep us a secret and DO connect us with a new buyerNot Forget to disclose debts such as IRS payments, child or spousalmaintience, ownership in a property in all countries12345678910THOU SHALL NOT(Or, kindly be mindful)COMMANDMENTSbefore your mortgage closesDo we have your commitment

Above & BeyondCOMPETE AGAINST CASHWhen you choose to work with The Messmer Team, we will be youradvocate to help separate you from the competition and help you WIN.ABOVE & BEYONDThe Pre-ApprovalLetterTransparent & proactivecommunicationIndustry reputation &experience to help winYour advocate with NO“Underwriter” excusesHelp you win after hours onevenings & weekendsClose on time, every time withspeed and accuracyFlexible loan options withcompetitive ratesPre-underwriting approval upfront10 day quick closeWaive contingencies with confidenceCall the listing agent to help winLow appraisal preparation60 day seller rent backAvailable evenings and weekendsImpact of Movement MortgageOur 6 Promises to you:LL

Your Mortgage PilotTURBULENCE HAPPENSWhen you comewith me and my 23years of experienceto pivot, navigate,and problem solveuntil you get yourkeys.Jolene MessmerThink about your last flight. Did you or even thepilot know exactly how it would go? Probably not.Turbulence happens. Delays, reroutes, strongwinds, lost winds, lost baggage, noisy seatmates,even running our of snacks - there’s alwayssomething.The pilot is prepared. They adjust, navigate andfind the best path forward. That’s exactly how Iapproach homebuying.Ready to pivot. Bidding wars, inspection surprises,low appraisals, rising rates, credit hurdles - thingshappen. I have to assume, prepare, and expectturbulence and problem solve quickly to keep uson course.With me as your mortgage pilot. You’re in for asmooth, expertly guided mortgage journey - rightto your new front door. I guarantee a spectacularhome-buying experience and won’t let you down.Let’s take off.keys.JoleneMessmergateandyhowInsurprises,es-thingsexpectokeepuseinforaney-rightectacularyoudown.

Movement Mortgage has re-definedmortgage lending without changing ratesor fees, while providing lighting-fastclosings, spectacular service, andexceptional accuracy.Impact Lending reinvests 49% of profitsand pour them back into the communityin an actionable way, to support students,and marginalized communities.Harvard Business Review tells us that 77%of consumers want transparency wheretheir money goes, and this gives anopportunity to choose between atraditional lender or Movement Mortgagethe first Impact Lender.IMPACT LENDINGMortgages That Mean More22,925 Backpacks9,170 Textbooks1,858 Chairs495 Desks62 StudentsPeolpe before ProfitsMessmer Team 2025Mortgage profits served:HarvardBusinessReviewtellsusthat77%ofconsumerswanttransparencywheretheirmoneygoes,andthisgivesanopportunitytochoosebetweenatraditionallenderorMovementMortgagethefirstImpactLender.

Learn mortgage strategies0% Down PaymentLinkedin.com/in/jolenemessmer/Connect with JoleneLinktr.ee/jolenemessmerJolenemessmer.mortgagemapp.com/Facebook.com/TheMessmerTeamInstagram.com/jolenemessmer/Extended ResourcesWin in Mulitple OffersAssets to QualifyTemp Rate BuydownHome Equity Loans128 Mortgage OptionsFirst-Time Home BuyerCredit ResourcesBank Statement LoanBuy Before SellingBridge LoansRehab or RenovateJumbo + Non QMFHA, VA + USDAScan to Learn MoreWininMulitpleOffffersAssetstoQualifyff0%DownPaymentTempRateBuydownHomeEquityLoans128MortgageOptionsFirst-TimeHomeBuyerCreditResourcesBankStatementLoanBuyBeforeSellingBridgeLoansRehaborRenovateJumbo+NonQMFHA,VAVV+USDA

Direct: (425) 445-1945Jolene.Messmer@movement.comWWW.JOLENEMESSMER.COM11255 Kirkland Way Ste 110, Kirkland, WA 98033 | WA-MLO-379952; | Movement Mortgage LLC. All rights reserved. NMLSID #39179 (For licensing information, go to: http://www.nmlsconsumeraccess.org). Additional information available atmovement.com/legal. Interest rates and products are subject to change without notice and may or may not beavailable at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.