25227 Grogan's Mill - Suite 100 The Woodlands, Texas 77380 OFFICE: (281) 367-6614 FAX: (281) 364-9471 PAGER: (713) 841-7717 A Houston 100® Company

DANNY HOLLEY .............. VOICE (281) 367-6614

Conventional, Jumbo, FHA, VA, and Portfolio Financing

Special Jumbo Products:

95% Loan-To-Value up to $300,000

No income verification loans @ 80% Loan-To-Value up to $500,000

No income verification loans @ 65% Loan-To-Value up to $1,000,000

No income/No asset @ 60% Loan-To-Value up to$1,000,000

Fixed rate products (Lowest possible rates)

Wide array of "customized" and government Loan Products:

1, 3, 5, 7, 10 Year Adjustable Rate Mortgages

5/25 & 7/23 Balloon Mortgages

Cost of Funds, CD's, and LIBOR Adjustable Rate Mortgages

Low Documentation & No Documentation Products

Refinance, No Cost Refinance, FHA, Streamline Refinance (No Cost)

VA 0% Down Zero Move-In, please call for information

Special Conforming Products:

97% Community Homebuyer Programs

95% Loan-To-Value with 40% qualifying ratios

Non-Permanent Resident Aliens @ 95% Loan-To-Value

90% Loan-TO-Value for Second and Investor Homes

No Income Verification loans @ 80% Loan-To-Value

Construction, Permanent, and One Time Close Available, Best in Town...Reduced points and fees!!!!

Portfolio Lending, Special Case Buyers, Foreclosures, Bankruptcy, Slow Pay

Relocation Borrower, Reduced rates and documentation

PREMIUM PRICING, LENDER PAID PRE-PAIDS AND CLOSING COSTS
SERVICE AND PRODUCTS CONFORMING TO YOUR NEEDS

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Last modified: March 29, 1998