1.)      What is the interest rate?

LTV	1 yr ARM	3 yr ARM	5 yr ARM	30 yr FIX
100%
97%
90%
80%

                           i.       

                         ii.      FIRST TIME HOME BUYERS…

a.        Do you accept the Neighborhood Gold program (similar to AmeriDream where the seller pays 3% of the down payment)?

b.        Do you have any OHFA programs available?

2.)      What are the total closing costs EXCLUDING pre-paids?

a.        Does this include the title work?

b.        Does this include the appraisal?

3.)      For the pre-paids (taxes and insurance) in escrow, how many months are required?

4.)      Do you offer the option for you to pay the closing costs if I take a higher interest rate?

                     i.      What will the rate increase to?

LTV	1 yr ARM	3 yr ARM	5 yr ARM	30 yr FIX
100%
97%
90%
80%

                    ii.       

                  iii.      How much of the closing costs will you cover?