Lending One Generic PowerPoint Presentation

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www.LendingOne.com 877.367.4730 Welcome to We Make Hard Money Loans Easy

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Hard Money Lending Made Easy Proprietary andamp; Confidential

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Who is LendingOne?? Proprietary andamp; Confidential • Licensed Mortgage Lender In Florida • Most Creative 'Hard Money' Lender • Currently Serving: Florida, Alabama, Indiana, Louisiana, Maryland, Missouri, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia • Privately Owned And Operated

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What Loans Do We Offer? Proprietary andamp; Confidential • Hard Money First Mortgage Loans • Convertible End Loans For Our Borrowers

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What Are Advantages To Our Loans? Proprietary andamp; Confidential • We Don’t Run Out of Money • Highest LTV’s • $1M Available To Make Cash Offers • Programs Designed For Your Needs • No Prepayment Penalties • Fast Payment on Draws • 'Value Added' Services • Websites, Rebates, Newsletters • Quick - Easy - Consistent

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How Quick andamp; Easy Is LendingOne? Proprietary andamp; Confidential • One Page Application On-Line / In Person • Same Day Approval For Up To $1M • Closings In One To Two Days After Appraisal • Same Day Payment On Draws For Rehab

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What Are Some Of LendingOne’s 'Value Added' Services? Proprietary andamp; Confidential • Local Knowledge Of Neighborhoods, Vendors, Opportunities • Required Appraisals Help Support Your Business Decision Coming Soon: End Loan Financing Title Insurance Builders Risk Insurance

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What Are Some Of LendingOne’s 'Value Added' Services? Proprietary andamp; Confidential • Skilled Inspectors Can Reduce Repair Costs And Problems • Professional Home Office Staff Provides Experience For Unique Circumstances

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What Are Some Of LendingOne’s 'Value Added' Services? Proprietary andamp; Confidential • Newsletters • Website - On-Line Draws andamp; Payments • Seminars • Email Blasts

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What Are Some Of LendingOne’s 'Value Added' Services? Proprietary andamp; Confidential • We Don’t Loan To Own • We Want You To Succeed • We Are Looking To Build Relationships

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Who Are Our Borrowers? Proprietary andamp; Confidential • Creditworthy Investors (Minimum Middle Credit Score of 620) • Purchasing 1 To 4 Units (Or More) • Rehab Experience Optional

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How Much Will We Loan? Proprietary andamp; Confidential • $1M Per Customer! • $40K to $400K Per Property (Or More) • Up to 75.4% of 'As Repaired' Value

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How Much Cash Will You Need? Proprietary andamp; Confidential • Zero Down At Closing • Monthly Interest Payments (Interest Reserve Reduces Payments)

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Which Properties Will We Finance? Proprietary andamp; Confidential • Residential • One To Four Units (Or More) • 'Buy To Hold' Or 'Buy To Sell' • 'Cosmetic' Rehab Work Needed • Low To Middle Income Neighborhoods

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What Does LendingOne Charge For Its Hard Money Loans? Proprietary andamp; Confidential • Interest Rates Up To 18% (Interest Reserve Reduces Payments) • Points (Origination Fees) At 5% (No Prepayment Penalties)

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Are Our Loan Costs Competitive? Proprietary andamp; Confidential • Two-Thousand Plus Loans Prove We’re Competitive

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How Do We Say 'YES' To Your Loan Request? Proprietary andamp; Confidential • Local Loan Officers Give Pre-Approval For Up To $1M Based Upon Credit Score • Local Loan Officer Structures Deal To Match Our Loan Programs • Property Inspected To Determine Repair Costs • Appraised Value And Title Reviewed • Closing In One To Two Days After Appraisal

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Which Loan Program Is Best For You? Proprietary andamp; Confidential The LendingOne Loan Calculator Input Data

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Which Loan Program Is Best For You? Proprietary andamp; Confidential The 'Basic One' • Hard Money Loans • Provides Maximum Funds For Purchase And Rehab • Up To 70.4% Of The 'As Repaired' Value

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Which Loan Program Is Best For You? Proprietary andamp; Confidential The 'Easy One' • Hard Money Loans • Designed For 'Buy To Hold' Investor • Up To 75.4% Of The 'As Repaired' Value • Interest Reserve Reduces Monthly Interest Payments By Up To 80%

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Which Loan Program Is Best For You? Proprietary andamp; Confidential The 'Fast One' • Hard Money Loans • Designed For The 'Buy To Sell' Experienced Investor • Property To Be Fixed Up And Resold Quickly • Up To 75.4% Of The 'As Repaired' Value • Interest Reserve Eliminates The Initial Monthly Interest Payments For Up To Six Months Reserve

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Examples Of LendingOne’s Neighborhood Improvement Lending Proprietary andamp; Confidential Before After

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Opportunities… Proprietary andamp; Confidential • Broker Participation Programs • Loan Officer Positions Available In New Markets

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We Make Hard Money Loans Easy Proprietary andamp; Confidential © 2007 LendingOne, Neighborhood Improvement Lending. All Rights Reserved. www.LendingOne.com 877.367.4730