Equity Mortgage Corporation of Georgia

Call: REID CARTER
770-458-8302

GEORGIA RESIDENTIAL MORTGAGE LICENSEE SINCE 1997 # 12840

***NEW*** 95% "HOME POSSIBLE" MORTGAGES AT CONFORMING RATES WITH REDUCED INCOME, CREDIT & ASSET REQUIREMENTS. ONE LOAN, ONE PAYMENT, NO 2ND MORTGAGE OR HELOC REQUIRED

SAME DAY APPROVALS, NO APPLICATION OR OTHER UPFRONT FEES ... LOCALLY OWNED, 35 YEARS OF EXPERIENCE TO BE SURE YOU GET WHAT YOU NEED AND EXPECT

ASK ABOUT OUR NEW 30 YR. FIXED RATE WITH 10 YR. INT. ONLY OPTION

Customer First Policy

Conveniently located near Perimeter Mall in Atlanta.

Same Day Approvals on Most Loans
Free Same Day Locks
Experienced Local Loan Officer Handles Entire Process
Custom Program for All Your Needs
Less Than Perfect Credit Accepted
HELOCs to 100% LTV

RATES EFFECTIVE AS OF 02/05/2010
The following current rates are just a sampling of our most popular conforming & Jumbo programs. For more detailed rates and products, call us at 770-458-8302 for a custom quote. Please call for pricing on loans below $125,000 and above $650,000.

Loan Type
Rate %
Points Discount Points APR %

30 Year Fixed 4.875 -0- -0- 4.890

15 Year Fixed 4.250 -0- -0- 4.582

3 Yr. ARM NA -0- -0- NA

5 Yr ARM 3.875 -0- -0- 4.210

3 Yr Jumbo ARM N/A -0- -0- N/A

5 YR Jumbo Arm NA -0- -0- NA

5 YR IO ARM NA -0- -0- NA

30 Yr Fixed 10 YR IO call

HOME EQUITY LINES(HELOC)
We are not currently offering Home Equity Lines or fixed rate 2nd mortgages

Line Amount CLTV % FICO SCORE 720 + FICO SCORE 700-719 FICO SCORE 680-699 FICO SCORE 650-679

NA TO 80

80.01 - 90 Prime + 0

Prime + .35% Prime + .20%

N/A Prime + .25%

N/A Prime + .35%

N/A

NA to 80

80.01 - 90

90.01 - 100 Prime + .00%

Prime +.25%

Prime +.60% Prime + .20%

Prime + .35%

N/A Prime + .25%

Prime + .50%

N/A Prime + .35%

N/A

N/A

NA to 80

80.01 - 90

90.01 -100 Prime + .45%

Prime + .70%

Prime + 1.25 Prime +.50%

Prime +1.00%

Prime + 1.50 Prime + .70%

Prime + 1.00

Prime + 1.50 Prime + .90%

Prime + 1.25

N/A

NA to 80

80.01 - 90

90.01 - 100 Prime + 1.20

Prime + 1.20

Prime + 2.25 Prime + 1.30

Prime + 1.40

Prime + 2.50 Prime + 1.30

Prime + 1.60

NA NA

NA

NA

WHY SHOULD YOU CONSIDER EQUITY MORTGAGE FOR ONE OF YOUR MOST IMPORTANT FINANCIAL DECISIONS?

Simply put: Our policy is to offer you the best product, rate and closing cost available in Atlanta and through out Georgia, based on your qualifications, up front, without negotiation. We will give you an accurate Good Faith Estimate at absolutely no cost or obligation. Then we will process your loan, handle all the details, and attend the closing with you to be sure you get what you are promised.

REID CARTER, PRESIDENT.

Just give us a call at 770-458-8302 and we will immediately give you the information you need to make an intelligent decision based on your own personal needs.

"Refinance Your ARM or High Rate Mortgage Now / Free Custom Good Faith Estimate"