Government

FHA: Service First Mortgage has continued to be one of the top FHA lenders in Texas for over 10 years. The Secretary of Housing and Urban Development has personally recognized Service First Mortgage as a top lender for First Time Home Buyers six times. All of our loan officers have received the highest approval authority from HUD, allowing you fast and worry free approvals.

VA: Service First Mortgage has always made our Veterans a priority. We know our Veterans deserve the best, so we give them the best. We provide the best rates and best service available on these sometimes more complicated loans. Don't forget to tell your loan officer if you are a "TEX VET" or a disabled veteran. Also, don't forget to ask about the Veterans Land Board program.

HUD Foreclosure: FHA, VA, USDA or Conventional financing is available on HUD foreclosures. Only properties that are Insurance or Insurable with escrow are eligible for FHA financing. No appraisal, title commitment or survey is required on properties going with FHA financing. VA, USDA and Conventional financing all require an owner's title policy, new appraisal and survey.

USDA

For starters, a USDA loan is the only loan program offered to the general public that allows financing 100% of your home's value. That means no down payment of any kind.

In addition, this is the only loan program if you are not a veteran that offers no monthly mortgage insurance payments, which means cheaper monthly payments and more money can go to paying off the mortgage each month. USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month. USDA loans also offer affordable 30 year terms. USDA loans are perfect for first time home buyer and for the third or forth time home buyers. If you are looking for a great mortgage program with a zero down payment, no monthly mortgage insurance, and a great competitive fixed inertest rate you have found your loan program.

Conventional

Conventional: Loans up to $417,000. To save our customers time and money, we sell directly to Fannie Mae. This means that the middle-man is eliminated. As a direct lender, we can provide our customer with a great rate!

Jumbo: Yes, financing for large loans is still available, and its hard to beat the rates at Service First Mortgage.

Combo Loans: Conventional loans with a first and second lien. This loans are popular due to the fact that they do not require Private Mortgage Insurance. 80-15-5 is an 80% first lien, 15% second lien with a 5% down payment. 8-10-10 is an 80% first lien, 10% second lien with a 10% down payment.

Lisa Keese is a Professional Mortgage Lender in Burleson, TX. I can help you determine which program best fits your current and future financial needs. So if you're ready to purchase, build or refinance your current mortgage, please allow me the opportunity to see what I can do for you. Email me at lkeese@servicefirstmtg.com or call me at 817-233-9226.

Sec. 157.007. Disclosure Statement. A mortgage banker shall include the following notice to a residential mortgage loan applicant with an application for a residential mortgage loan: complaints regarding mortgage bankers should be sent to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705. A Toll-Free Consumer Hotline is available at 1-877-276-5550.

Consumer Complaint Information: ServiceFirst Mortgage, 2105 Waterview Parkway, Ste. 101, Richardson, TX 75080 (#166487) is licensed under the laws of the State of Texas and by the State Law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against ServiceFirst Mortgage (#166487) should complete, sign, and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be downloaded and printed from the Department's website located at www.sml.state.tx.us <http://www.sml.state.tx.us> or obtained from the Department upon request by mail at the address above, by telephone at its toll-free consumer hotline at 1-877-276-5550, by fax at (512) 475-1360, or by email at smlinfo@sml.state.tx.us <mailto:smlinfo@sml.state.tx.us>. 7 TAC 81.7 / TFC 157.007 / April 1, 2010

The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov <http://www.sml.texas.gov>.