DAS Marketing Custom Design

DAS Marketing Custom Design

MARKETING DAS

DES GN

DESIGN

WHAT IS DAS MARKETING CUSTOM DESIGN? DAS Marketing supports USA Mortgage, USA Lending, Providence Home Lending and Clarity Home Loans and their referral partners with custom graphic design. The custom graphic design allows for greater flexibility for marketing pieces that are not available in Total Expert. The DAS Marketing design team is award-winning with decades of experience in graphic design within the financial and real estate industries, as well as nearly a decade of social media experience.

WHAT CAN DAS MARKETING DO FOR YOU? DAS Marketing can take your ideas and create beautiful and compelling marketing pieces that reflect your personality and assist in developing your business. DAS Marketing can produce virtually any type of print marketing piece you’d like, from direct mail to flyers to booklets to brochures. We can also create co-branded social media posts!

HOW DOES DAS MARKETING CUSTOM DESIGN WORK? If the marketing piece you need is not available on Total Expert, or, if there is a marketing piece

on total expert that you would like to alter, submit your request using Total Expert. There is a section labled “Custom Marketing Request” that allows you to transmit your request. For a nominal fee of $15.00, the DAS Marketing design team takes the notes you provided your DAS Marketing coordinator and develops your marketing piece to your satisfaction. You will be allowed and encouraged to request edits, changes and revisions until you are happy with your marketing piece. If the DAS Marketing custom design team is unable to meet your expectations, your $15.00 will be refunded.

MARKETING DAS

DIRECT MAIL ...only limited by your imagination

DESIGN

O

Temperatures might be getting cooler...

...But the housing market is still HOT!

SUMMER IS HERE AND THE MARKET IS HOT!

[Realtor Main]

MARKETING DAS

DIRECT MAIL ...limited only by your imagination

DESIGN

ARE YOUR PARENTS CLINGING ON TOO TIGHT?

IT MAY BE TIME TO FIND YOUR OWN PLACE.

BUT NOW THEY ARE ON THE RISE. If you’ve been thinking of buying, now is the time.

MORTGAGE RATES HAVE BEEN

ABNORMALLY

LOW FOR ALMOST A DECADE.

DON’T FALL INTO THE TRAP OF UNDERPRICING YOUR HOME DURING A HOUSING SHORTAGE!

MARKETING DAS

DOORHANGERS ...limited only by your imagination

DESIGN

I HAVE BUYERS LOOKING TO LIVE IN YOUR SUBDIVISION!

I HAVE BUYERS LOOKING TO LIVE IN YOUR SUBDIVISION!

Tired of cleaning up after dirty roommates?

Tired of cleaning up after dirty roommates?

It might be time to consider moving out.

It might be time to consider moving out.

I CAN HELP YOU FIND YOUR NEW HOME!

I CAN HELP YOU FIND YOUR NEW HOME!

YOU LIVE IN A VERY DESIREABLE SUBDIVISION. If you are considering selling, call me for a market evaluation today.

YOU LIVE IN A VERY DESIREABLE SUBDIVISION. If you are considering selling, call me for a market evaluation today.

[Realtor Main]

[Realtor Main]

[RealtorSecondary]

[RealtorSecondary]

[Realtor Main]

[Realtor Main]

[RealtorSecondary]

[RealtorSecondary]

Realtor Name REALTOR 

Realtor Name REALTOR 

Realtor Name REALTOR 

Realtor Name REALTOR 

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

I WOULD LOVE TO TALK WITH YOU ABOUT YOUR HOME

I WOULD LOVE TO TALK WITH YOU ABOUT YOUR HOME!

Fin-king of selling your home?

Fin-king of selling your home?

Call today! I can come by, give you some staging ideas and my expert

Call today! I can come by, give you some staging ideas and my expert

opinion for saleability.

opinion for saleability.

This market is JAWSOME!

This market is JAWSOME!

[Realtor Main]

[Realtor Main]

[RealtorSecondary]

[RealtorSecondary]

[Realtor Main]

[Realtor Main]

Realtor Name REALTOR 

Realtor Name REALTOR 

[RealtorSecondary]

[RealtorSecondary]

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

Realtor Name REALTOR 

Realtor Name REALTOR 

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

[M] 314.555.5555 [O] 314.555.5555 [email protected] webaddress.com 123Address St.Louis,MO63141

MARKETING DAS

BROCHURES ...limited only by your imagination

DESIGN

MARKETING DAS

FLYERS ...limited only by your imagination

DESIGN

Home Possible ® vs. HomeReady ®

OPEN HOUSE

SUNDAY2-4PM

Affordable /HQGLQJ

Options

9735 TWIN BRIDGE WAY, ST. LOUIS, MO 63105

HomePossible andHomeReadymortgage loans aredesigned to o™er a™ordableoptions for low tomoderate incomehomebuyers. Whichoption isbest for you?Seehow theprograms compare!

$250,000

Home Possible ®

HomeReady ®

Perfect for your growing family. Find Curb Appeal & Character in this home. This enormous home boasts 4 bedrooms and 3 bathrooms. A home with excellent bones, in a great neighborhood, and with plenty of downstairs living space. Formal living/dining, family room, & floor-to-ceiling brick fireplace!A great covered backyardpatio just in time for thosebackyardBBQs.Did Imentionwalking distance to schools? Call to schedule yourprivate showing today!

•AUS=LPAOnly •MayNOTownotherproperty •HomebuyerEd requiredonlywhenALLborrowers areFirstTime HomeBuyers •LandlordEd requiredon 2-4unitpurchases •High-balanceNOTpermitted •High-cost area incomemultiplierspermitted •ManufacturedhomeNOTpermitted •Non-borrowinghousehold income isNOT considered

•AUS=DUOnly •MAYownotherproperty •HomebuyerEd requiredonALLpurchases

•LandlordEd isNOT required •High-balance ISpermitted

•NOhigh-cost area incomemultipliers •ManufacturedhomeNOTpermitted •Non-borrowinghousehold income is compensating factor

[Realtor Main]

[Realtor Main]

[RealtorSecondary]

>7HDP/RJR@

[RealtorSecondary]

>7HDP/RJR@

5HDOWRU1DPH REALTOR

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

5HDOWRU1DPH REALTOR ®

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

[M]314.555.5555 [O]314.555.5555 [email protected] webaddress.com

[M]314.555.5555 [O]314.555.5555 [email protected] webaddress.com

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

123Address St.Louis,MO63141

123Address St.Louis,MO63141

NMLS:924022, MO: 7455-MLO

CompanyNMLS: 227262.Not a commitment to lend. Additional terms and conditions apply. DASAcquisitionCompany,LLC isnot a‡liatedwith or endorsedby anygovernment entityor agency, includingUSDA,HUDorVA.Headquarters: 12140WoodcrestExecutiveDrive,Suite 150,St.Louis, Missouri63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org.

NMLS:924022, MO: 7455-MLO

Company NMLS: 227262. Not a commitment to lend. Additional terms and conditions apply. DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, includingUSDA,HUD orVA.Headquarters: 12140Woodcrest ExecutiveDrive, Suite 150, St. Louis,Missouri 63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org.

Cheat Sheet

PREPARINg FOR YOUR HOME

PURCHASE

UNDERWRITER’S REVIEW Unlikeother lenders,we can submityour loan toUnderwriting beforeyoueven starthousehunting. Thismeansyou can shopwith confidenceknowingyouhavea full loanapproval!

CONGRATS!

SEARCH FORYOUR HOME

YOUARENOW AHOMEOWNER!

Fannie

Freddie

FHA

VA

USDA

What?

Foreclosure

7Yrs

7 yrs

3Yrs

2Yrs

3Yrs

WITH YOUR HOSTS:

SUBMITYOUR LOANAPP &PROVIDE

4Yrs,Max LTV90% 7Yrs,Max LTV95%

Follow Foreclosure TimeFrame

[RealtorMain]

>7HDP/RJR@

4Yrs,Max95%LTV

3Yrs**

3Yrs**

DOCUMENTS

ShortSale

5HDOWRU1DPH REALTOR –

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

MOVE IN!

4Yrs from Discharge

4Yrs from Discharge

2Yrs from Discharge

2Yrs from Discharge

3Yrs from Discharge

[M]314.555.5555 [O]314.555.5555 [email protected] webaddress.com

CH7BK

% LOCK IN A RATE

CHOOSEYOUR LOAN TYPE

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

1Yearof thepayoutmust elapse&paymentperformance mustbe satisfactory;buyer must receivepermission from the court toenter into amortgage

1Yearof thepayoutmust elapse&paymentperformance mustbe satisfactory;buyer must receivepermission from the court toenter into amortgage

1Yearof thepayoutmust elapse&paymentperformance mustbe satisfactory;buyer must receivepermission from the court toenter into amortgage

2Yrs from DischargeDate 4Yrs from Dismissal

2Yrs from DischargeDate 4Yrs from Dismissal

123Address St.Louis,MO63141

CH 13BK

START

Documented extenuating circumstancesmay allow for shorterwaitperiods

**3Yrs, exception canbemade ifno latepayments

TIONS

INSPECTIONS

Realtor Name REALTOR —

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

APPRAISAL

[Realtor Main]

[M]314.555.5555 [O]314.555.5555 [email protected] webaddress.com

CLOSING

FINAL UNDERWRITER REVIEW

APPROVAL, DENIAL,OR COUNTEROFFER

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

[TeamLogo]

[RealtorSecondary]

123Address St.Louis,MO63141

NMLS:924022, MO: 7455-MLO

CompanyNMLS: 227262.Not a commitment to lend. Additional terms and conditions apply. DASAcquisitionCompany,LLC isnot aliatedwithor endorsedby anygovernment entityor agency, including USDA,HUDorVA.Headquarters: 12140WoodcrestExecutiveDrive,Suite 150,St.Louis,Missouri63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org.

CompanyNMLS: 227262.Not a commitment to lend. Additional terms and conditions apply. DASAcquisitionCompany,LLC isnot a
liatedwithor endorsedby anygovernment entityor agency, includingUSDA,HUDorVA.Headquarters: 12140WoodcrestExecutiveDrive,Suite 150,St.Louis,Missouri63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org.

Did you know... BUYING POWER LOWERS AS RATES INCREASE

Tired of Renting? How much can you a•ord with your rent payment?

Conv 30YrFx $15,000 $135,000 Cheat Sheet Conv 30YrFx $30,000 $120,000 $150,000 House worth

$200,000 House worth

$250,000 House worth

PURCHASE PRICE

MONTHLY PAYMENT $1,200

INTEREST RATE

FHA 30YrFx $5,250 $147,283 4.125% 5.280% 0 $714 $263.25

FHA 30YrFx $7,000 $196,378 4.125% 5.247% 0 $952 $338.50 $135.64 $1,426

FHA 30YrFx $8,750 $245,472 4.125% 5.227% 0 $1,190 $409.58

Conv 30YrFx $20,000 $180,000 4.375% 4.706% 0 $899 $338.50 $61.50 $1,299

Conv 30YrFx $40,000 $160,000 4.375% 4.501% 0 $799 $338.50 $0 $1,137

Conv 30YrFx $25,000 $225,000 4.375% 4.686% 0 $1,123 $409.58

Conv 30YrFx $50,000 $200,000

PaymentDetails

PaymentDetails

PaymentDetails

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt**

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt**

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt**

4.375% 4.740% 0 $674 $263.25 $46.12 $983

4.375% 4.539% 0 $599 $263.25 $0 $862

4.375% 4.479% 0 $999 $409.58 $0 $1,408

$281,300 $264,550 $249,300 $235,300 $222,500 $210,700

3.5% 4.0% 4.5% 5.0% 5.5% 6.0%

$101.73 $1,079

$76.87 $1,610

$169.55 $1,769

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$720 at4.375% and 275paymentsof$674 at4.375% (4.740%APR) 30YearFixed:360paymentsof$599 at 4.375% (4.539%APR) FHA30YearFixed (withMI):360paymentsbetween$816 to$717 at 4.125% (5.280%APR)

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$960 at4.375% and 275paymentsof$899 at4.375% (4.706%APR) 30YearFixed:360paymentsof$799 at 4.375% (4.501%APR) FHA30YearFixed (withMI):360paymentsbetween$1,087 to$956 at 4.125% (5.247%APR)

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$1,200 at4.375% and 275paymentsof$1,123 at4.375% (4.686%APR) 30YearFixed:360paymentsof$999 at 4.375% (4.479%APR) FHA30YearFixed (withMI):360paymentsbetween$1,359 to$1,195 at4.125% (5.227%APR)

Fannie

Freddie

FHA

VA

USDA

What?

$300,000 House worth Foreclosure 7Yrs

$350,000 House worth 3Yrs

$400,000 House worth 2Yrs 3Yrs

7 yrs

FHA 30YrFx $10,500 $294,566 4.125% 5.214% 0 $1,428 $480.67 $203.46 $2,112

Conv 15YrFx $70,000 $280,000 4.000% 4.134% 0

Conv 15YrFx $80,000 $320,000 4.000% 4.121% 0

Conv 30YrFx $30,000 $270,000 4.375% 4.672% 0 $1,348 $480.67

Conv 30YrFx $60,000 $240,000

Conv 30YrFx $35,000 $315,000

Conv 30YrFx $70,000 $280,000

Conv 30YrFx $40,000 $360,000

Conv 30YrFx $80,000 $320,000 3Yrs**

4Yrs,Max LTV90% 7Yrs,Max LTV95%

PaymentDetails

PaymentDetails

PaymentDetails

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt** Follow Foreclosur TimeFrame 2Yr from Discharge 1Yearof thepayoutmust elapse&paymentperformance mustbe satisfactory;bu er must receivepermission from the court toenter into amortgage

4Yrs,Max95%LTV

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt** ShortSale CH7BK

DownPayment LoanAmount InterestRate APR Points Principal& Interest* Taxes/Insurance Mtg. Insurance(MI) TotalEstMonthlyPmt**

3Yrs**

4.375% 4.464% 0 $1,198 $480.67 $0 $1,679 4Yrs from Discharge 2Yrs from DischargeDate 4Yrs from Dismissal

4.375% 4.662% 0 $1,573 $547.58 $107.62 $2,228

4.375% 4.454% 0 $1,398 $547.58 $0 $1,946

4.375% 4.655% 0 $1,797 $618.67 $46.12 $2,539

4.375% 4.446% 0 $1,598 $618.67 $0 $2,216

4Yrs from Discharge

2Yrs from Discharge

3Yrs from Discharge

$2,071 $547.58 $0 $2,619

$2,367 $618.67 $101.73 $2,986

1Yearof thepayoutmust elapse&paymentperformance

1Yearof thepayoutmust elapse&paymentperformance

2Yrs from DischargeDate 4Yrs from Dismissal

$92.25 $1,921

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$1,680 at4.375% and 275paymentsof$1,573 at4.375% (4.662%APR) 30YearFixed:360paymentsof$1,398 at 4.375% (4.454%APR) 15YearFixed: 180paymentsof$2,071 at4.000% (4.134%APR) mustbe satisfactory;buyer must receivepermission from the court toent rinto amortgage

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$720 at4.375% and 275paymentsof$674 at4.375% (4.740%APR) 30YearFixed:360paymentsof$599 at 4.375% (4.539%APR) FHA30YearFixed (withMI):360paymentsbetween$816 to$717 at 4.125% (5.280%APR) mustbe satisfactory;buyer must receivepermission from the court to nter into amortgage

CH 13BK

*TermsofMonthlyRepayment:30YearFixed (withMI):85paymentsof$1,440 at4.375% and 275paymentsof$1,348 at4.375% (4.672%APR) 30YearFixed:360paymentsof$1,198 at 4.375% (4.464%APR) FHA30YearFixed (withMI):360paymentsbetween$1,631 to$1,434 at4.125% (5.214%APR)

For Your Real Estate and Home Financing Needs

Documented extenuating circumstancesmay allow for shorterwaitperiods

**3Yrs, exception canbemade ifno latepayments

Andy Horstmann REALTOR® 314.409.4053 Realtor Name REALTOR — [M]314.555.5555 [O]31 .555.5555 [email protected] webaddress.com 13208ManchesterRd SaintLouisMO63131 [email protected] 123Address St.Louis,MO63141

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

Scenarios arebasedon5%down and areP&Ionly.Mortgage insurance, taxes, and insurancenot included.

Kaitlyn Williams SeniorLoanOŒcer 314-541-1859

[Realtor Main]

[RealtorMain]

[RealtorSecondary]

>7HDP/RJR@

[email protected] kwilliams.usa-mortgage.com NMLS:372782,MO: 2592-MLO

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

5HDOWRU1DPH REALTOR ž

/RDQ2I´FHU AccountExecutive [M]314.555.5555 [O]314.555.5555

[TeamLogo]

[RealtorSecondary]

[M]314.555.5555 [O]314.555.5555 [email protected] webaddress.com

6CityPlaceDrive,Suite 150,St.LouisMO63141,CompanyNMLS 227262

12140WoodcrestExecutiveDrive,Suite 150 St.Louis,MO63141 ORDQRI´FHU#XVDPRUWJDJHFRP ORDQRI´FHUXVDPRUWJDJHFRP

Generatedon:01/03/2018.Payments areestimates.ActualPaymentsmaybegreater.APR=AnnualPercentageRate.Theseproducts and interest rates are subject to change at any timedue to changingmarket conditions.Actual rates available to youmay varybasedupon anumberof factors including EXWQRWOLPLWHGWR\RXUFUHGLWUDWLQJVL]HRIGRZQSD\PHQW7KHLQIRUPDWLRQLQFOXGHGRQWKLVVKHHWLVIRULQIRUPDWLRQDOSXUSRVHVRQO\DQGQRWDFRPPLWPHQWIRUDORDQ,QIRUPDWLRQLVSURYLGHGWRDVVLVW5HDO(VWDWH3URIHVVLRQDOVRQO\DQGLVQRWDQDGYHUWLVHPHQWWRH[WHQGFRQVXPHUFUHGLWDVGH´QHGE\6HFWLRQ 5HJXODWLRQ=86$0RUWJDJH$'LYLVLRQRI'$6$FTXLVLWLRQ&RPSDQ\//&LVD)+$$SSURYHG/HQGLQJ,QVWLWXWLRQ86$0RUWJDJHLVQRWDFWLQJRQEHKDOIRIRUDWWKHGLUHFWLRQRI+8')+$RUWKH)HGHUDOJRYHUQPHQW CompanyNMLS: 227262.Not a commitment to lend. Additional terms and conditions apply. DASAcquisitionCompany,LLC isnot aliatedwithor endorsedby anygovernment entityor agency, including USDA,HUDorVA.Headquarters: 12140WoodcrestExecutiveDrive,Suite 150,St.Louis,Missouri63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org. NMLS:924022, MO: 7455-MLO

123Address St.Louis,MO63141

NMLS:404146 MOLicense:8038-MLO

CompanyNMLS: 227262.Not a commitment to lend. Additional terms and conditions apply. DASAcquisitionCompany,LLC isnot a
liatedwith or endorsedby anygovernment entityor agency, includingUSDA,HUDorVA.Headquarters: 12140WoodcrestExecutiveDrive,Suite 150,St.Louis, Missouri63141,TollFree: (888) 250-6522. For complete licensing information visithttp://www.nmlsconsumeraccess.org.

MARKETING DAS

DES GN

MARKETING DAS

CONTACT INFORMATION

(314) 628-2000 12140 Woodcrest Executive Drive Suite 150 St. Louis, MO 63141

CHELSEA VONDER HAAR Marketing and Public Relations Manager

ERIN SMITH Marketing Communications Coordinator (314) 628-2019 [email protected]

(314) 628-2128 [email protected]