Purchase	Refinance	Cash-out

Hard Equity Mortgage Loan

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Dear Client: We are pleased to announce that the Brown Lending Group will arrange loans on single family, multi-family, apartments, and commercial properties.  We will arrange loans in corporations, LLC's, and land trusts (we will need to see your trust document). Having everything in writing eliminates the element of an unpleasant surprise and we want to insure that courtesy to our customers.  We are giving you our costs, our application (we recommend making copies of it for future loan requests), and our insurance requirements.

Judd Brown "PRIDE-HONOR-INTEGRITY"

We look forward to helping you.  If we may be of further assistance, please do not hesitate to call.  Thank you for your time and consideration.

To your success!

Judd Brown

Following is our "HARD EQUITY MORTGAGE LOAN APPLICATION" form.  You may save this form to your computer desktop and complete it at your leisure using your computer keyboard.  Please do not forget to SAVE a completed copy.  When you have completed the forms, simply print and fax to: (561) 204-5829. 

Steps Regarding Your Loan Application

Please make copies of the loan application to have on hand for future transactions.

1. We will give you a loan amount.

2. We will fax you the paperwork to fill out regarding your credit and property information.

3. We will pull your credit and go to inspect your property.  Property inspection fee is $100 and will be added to your closing costs, along with our doc prep and processing fee, which is $350.

4. RUSH closings are available (72 hours or less from Title Search and Examination, then 72 hours or less) for a $300 up-front nonrefundable fee.

  Borrower Checklist for Closing

You will need to bring these items to closing:

1. Hazard and Wind insurance that covers vacant property and proof of payment, please fax this document to us 24 hours prior to closing for our review.

2. Your cashiers check for the closing cost due.

3. Your corporate seal and tax id number for your entity.

4. Your driver's license.

The Closing Process

1. Fax back the full application, executed contract, title company information and recent credit report (if you have one) otherwise we'll pull it for you. Please call (561) 723-4182 to confirm receipt of all information faxed.  Fax to (561) 204-5829.

2. After the property inspection and all your paperwork has been faxed to us we will give you a firm loan commitment which includes the loan amount, percent, and points.

3. The title company will start their lien search to obtain clear title (estimated time is 10-14 days).  You will need to provide how you are purchasing the property, i.e. corporation, trust, LLC, and who is the President of the entity.  You must also provide the buyers name, phone, fax and address, the sellers name, phone, fax and address, any real estate agents names, phone, fax and addresses and anyone who will be attending the closing to provide to them with the location and time of the closing.

4. Once the title company has obtained clear title they will fax us a title commitment and we will close shortly.

5. We will prepare the mortgage documents.

6. We will confirm with the title company the closing date and time.

7. Please understand if you need a "rush closing" an extra fee will be charged.

After printing this form:     1.  SIGN & DATE at the bottom of the page.     2.  COMPLETE OTHER INFORMATION at the bottom of the page.     3.  Please complete as thoroughly as possible.     4.  Contact us to schedule an appointment.           Call us direct! (561) 723-4182.

You may save this form to your computer desktop and complete it at your leisure using your computer keyboard.  Please do not forget to SAVE a completed copy.  When you have completed the forms, simply print and fax to: (561) 204-5829. 

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