The Preferred Mortgage Rate Home Program is a unique marketing program brought to you by Harry Norman, Realtors^® and HomeServices Lending. Sellers of our Preferred Mortgage Rate Homes have arranged for preferred financing exclusively for qualified buyers who finance their purchase through HomeServices Lending at a price and terms acceptable to the seller. Here's how it works:

For the buyer: The buyer who contracts to purchase a Preferred Mortgage Rate Home listing at a price and terms acceptable to the seller, and obtains their financing through HomeServices Lending, will receive a preferred financing package. A contractually agreed upon contribution will be used toward a preferred financing package as determined by HomeServices Lending. The utilization of the Preferred Mortgage Rate Home Program must be agreed upon in the final purchase contract. Benefits to the buyer include:

• Preferred financing significantly reduces the monthly mortgage payment as a result of obtaining a below-market interest rate
• It is easier to qualify for the purchase of this home as a result of preferred financing
• The program creates an opportunity for buyers who may not be able to purchase when cash reserves are an obstacle

For the seller: The seller agrees to provide a seller-funded preferred financing package provided by HomeServices Lending. The seller-funded package will be used to offer a below-market interest rate for the purchaser of the home. The utilization of the Preferred Mortgage Rate Home Program must be agreed upon in the final purchase contract. Benefits to the seller include:

• Their home will stand apart from the competition
• Home showings will increase due to a higher level of buyer interest
• The number of potential buyers increases as a result of qualifying at a below market interest rate
• Participating sellers are entitled to a .50% temporary 1^st year interest rate buy down on the purchase of their new home

The best move you'll ever make is with our Preferred Mortgage Rate Home Program. For more information, please contact your Harry Norman, Realtors^® sales associate or a loan representative from HomeServices Lending.

All first mortgage products are offered and provided by HomeServices Lending, LLC Series A dba Academy Financial Services. Homeservices Lending, LLC Series A dba Academy Financial Services is licensed by the Department of Corporations under the California Residential Mortgage Lending Act and is a Kansas Licensed Mortgage Company at 2000 Shawnee Mission Parkway, Suite 225, Mission Woods, KS 66205 (License #: 2002-4390). Academy Financial Services may not be available in your area. ©2007 Academy Financial Services. All Rights Reserved. An Equal Housing Lender.