Wichita Mortgage by First Equity Mortgage Services -- Curtis McBride Sr Loan Executive 10011 W 21st St. N. Suite #101 Wichita, KS 67205 Phone: (316) 721-7744 :: Fax: (316) 721-7887 Email: cmcbride@fem.kscoxmail.com

If you are looking for Wichita Home Loan or a Wichita Mortgage regarding a Wichita area Mortgage, you are in the right place. My name is Curtis McBride with First Equity Mortgage in Wichita Kansas. Please feel free to call me at 721-7744 to start the easy pre-approval process for your home mortgage. We offer: *Conventional Loans *FHA Loans *VA Loans *Subprime Loans *Commercial Loans *Free Fast Pre-approvals *100% Owner Occupied programs *100% Investment Property programs and many, many more.

We also have: *First time Home buyer assistance *Debt Consolidation *Lower rates and lower payments *100% Purchase Financing *Stated Income Programs *Zero cash out of pocket loans *Cash out Refinance *Rate & Term Refinance

Ransom Housing First-Time Homebuyer Program. HOW DOES THE PROGRAM WORK? Qualified first-time home buyers can receive a low 30 year fixed rate loan. First-time homebuyers will be eligible to receive upfront cash of 4% of the loan amount which can be used for down payment, closing costs and other prepaid items. The 4% is a grant and does not require repayment. The mortgage loan and 4% cash assistance are funded from Sedgwick and Shawnee County issued bonds. Periodically new bonds are issued and a new mortgage interest rate is set. ARE YOU ELIGIBLE? You are a first-time homebuyer if you have not had an ownership interest in a primary residence for the past three years. You must occupy the home within 60 days of loan closing and at the time of closing, you are not permitted to have an ownership interest in other residential property. The total gross annual household income for all residents intending to live in the residence, age 18 or older must be within the income limits. ELIGIBLE MORTGAGE LOANS The types of mortgage loans you may obtain are: FHA, VA, USDA Rural Housing, or Conventional. CURRENT BOND RATES ARE: 5.99% WITH ASSISTANCE (6.951 % APR) 5.49% WITHOUT ASSISTANCE (6.462% APR)

Community Housing Neighborhood Builder Program. The Neighborhood Builder Program is for homes purchased in Sedgwick County. Qualified homebuyers can receive $3,100 in financial assistance. ($2,700 for down payment/closing costs and $500 for a required Homebuyers Education class) Homes sold as a Contract for Deed are not eligible for this program. Are you Qualified? · First time homebuyer or must not have owned a home in the last three years. · Have a credit history free of delinquent obligations and demonstrate the ability to meet financial commitments. · Be able to contribute at least $500 or the Lenders required contribution. · Complete a Homebuyers Education course through Community Housing Services. · Income is at or below 80% of the Area Median.

We have over 500 diffreent loan programs to choose from. Again, we have free pre-approval for your home mortgage. 100% Purchase Financing Available

"Call Curtis at 721-7744 Today..."