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Tools to help your business grow • Home search app branded to YOU • Move up buyer strategies • Loan programs for every situation • Credit improvement tools for buyers • 100% in house processes

Home App branded Search App directly to YOU Real time data straight from the MLS

Know exactly what your clients are looking for with insights provided in your back office

Loan options for every buyer

First time home buyer? Check out the Academy Advantage 100 Program AA100 UtH NoMI UtH FHA Sales Price 409,500 401,700 400,000 409,500 389,649 392,755 1st Mtg Loan Amt 19,482 23,160 409,500 409,131 415,915 • 100% Conventional Financing 2nd Mtg Loan Amt Total Loan Amt • For First-Time Homebuyers Payment: • NO money down! NO mortgage 1st Mtg 2,261 2,305 2,261 2nd Mtg - 141 164 insurance! Property Tax 167 167 167 50 50 50 Insurance - - 273 - - - MI 2,478 2,663 2,915 HOA 2,043 2,073 1,985 Total Payment Cash to Close

Hobby farm

• 15% down! • No MI! • Rate 4.75%! Loan options



Move up buyer strategies

SeGlleetr yBouuyrdcolwiennts more home for their money! Sales Price List Price Price Reduction Rate Reduction Seller Concession $400,000 $372,000 $400,000 Net Sales Price $0 $0 -$9,000 Down Payment % $400,000 $372,000 $391,000 Loan Amount Rate 10% 10% 10% $360,000 $334,800 $360,000 Total Mo. Payment Income to Qualify 5.000% 5.000% 4.250% Monthly Savings $2,304 $2,146 $2,142 $64,285 $59,883 $59,776 $0 -$158 -$162 Price Reduction vs Seller Concession Ratio 3.1 to 1 $28,000 or $9,000?

Can’t get your buyer qualified? Lender can’t do the loan? We can help!



Help your buyers qualify with our Credit Improvement strategies



Sales Rep Close Underwriting Broker Audit Center Disclosure Funding Dept Condo Closing Dept Appraisal AMC

100% in house Condo process Dept Closing Funding Underwriting

Full in-house condo department to make the condo purchase process easy!

In house construction department -Builder of your choice -Custom construction -All underwriting decisions made in house -Easily converts to permanent financing



Grow your Online business with integration co-branded marketing material