Full Complete Building Solution -FINAL v3

BUILDING SOLUTION

NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

BUILDING SOLUTION
1.
GET PRE-QUALIFIED
6.
HAPPY CLIENT
2.
DESIGN HOME
5.
MOVE IN
3.
DELIVER MATERIAL
4.
BUILD HOME

NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

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• Customer is not required to make any
payments until construction is complete
• Credit Score as low as 620
• 3.5% down payment for FHA
• Zero down payment for VA with no mortgage
insurance
• Purchase of land can be rolled into the loan
• Gifts or land equity allowed for down payment
•
•
•
•
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•
NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

Scott MacKenzie
Linwood Custom Homes
Business Development Manager
Cell: 403-561-2344
Direct: 604-946-5430
www.linwoodhomes.com
smackenzie@linwoodhomes.com
Dawn Wilson
New American Funding
Loan Consultant
NMLS #1629251
Cell: 714-606-3446
Direct: 949-445-8838
Toll Fee: 800-450-2010 X 4486
D.Wilson@nafinc.com
Tom Martinson
New American Funding
Builder Sales Manager
NLMS #1283214
Cell: 760-419-7337
Direct: 949-748-4164
Toll Fee: 800-450-2010 X 3866
Tom.Martinson@nafinc.com

STEP -
STEP 2 -
• Go to www.to fill out aapplication.
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»» NOTE:
STEP -
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• to www.NewAmericanAgent.comto
fill out a loan application.
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•
STEP
• Minimum of 90-day closing of escrow.
• Minimum 60 days for appraisal contingency.
• Minimum of 45 days for inspection contingency.
• Title & Escrow Company is buyer’s choice.
»» NOTE: Land Seller must be flexible for extensions if needed
Send executed Land Contract and any Addendums to your Loan Consultant
once your offer is accepted.
STEP
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STEP 7 -
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»» NOTE:
STEP -
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Have questions?
Contact me
today for more
information!
YOUR
PHOTO
Cell:-
mail:
DawnWilson
LoanConsultantNMLS#:1629251
Cell:714-606-3446
Fax:949-209-4252
Email:D.Wilson@nafinc.com
www.newamericanagent.com/dawnwilson
NMLS ID #6606. Subject to borrower and property qualifications. Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate
Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 06/2018.

NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

EASY ONE-TIME CLOSE
CONSTRUCTION LOANS
Creating new
opportunities to
build your own home
Program Benefits
• Permanent Loan is closed one-time, upfront, before construction begins
• Saves money with only one appraisal and one closing
• Credit Score as low as 620
• Low down payment options for FHA loans
• No down payment for VA loans and no mortgage insurance required
• No payments required until construction is complete
• Purchase of land can be rolled into the loan if not already owned
• Gifts or land equity allowed for down payment
• Fixed rate mortgages available
Unique Financing for
Site-Built Homes
FHA and VA Loans Available!
3 Easy Ways to Apply:
Online at:
www.newamericanagent.com/
Call our toll-free application hotline:
800-450-2010x
Request a Quote (See back page)
Give us a call today!
YOUR
PHOTO
LoanConsultant
NMLS#1
Phone:949-
Fax:
E-mail:@nafinc.com
YOUR
PHOTO
Tom Martinson
Builder Sales Manager
NMLS# 1283214
Cell: 760-419-7337
Fax: 949-892-1379
E-mail: Tom.Martinson@nafinc.com
www.newamericanagent.com/
www.newamericanagent.com/TomMartinson
LicensedbytheDeptofBusinessOversightundertheCAResidentialMortgageLendingAct
NMLS ID #6606. Subject to borrower and property qualifications. Not all applicants will qualify. Terms and conditions are subject to change without notice.
Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 0/2018.

STEP-BY-STEP GUIDELINES FOR THE ONE-TIME CLOSE CONSTRUCTION LOANS
STEP 1 - PRELIMINARY RESEARCH
• If purchasing land, search around for available land costs.
• Visit to get some ideas on size, floor plans,
options and costs.
STEP 2 - GET PRE-QUALIFIED
• Go to www.NewAmericanAgent.comto fill out a
loan application.
• New American Funding will then pull your credit report.
• Your Loan Consultant will provide you a list of documents required
for the pre-qualification.
• Additional information may be required and additional credit
conditions will apply.
STEP 3 - PRE-QUALIFICATION AND PROJECT BUDGET
Once your Loan Consultant has the required information, and has
determined creditworthiness, you will receive a pre-qualification letter.
You will need this letter for your land purchase offer, if applicable. Your
Loan Consultant will also review your total project budget.
The following fees/costs are included in your construction loan:
• Closing Costs.
• Prepaid property taxes and homeowners insurance.
• Construction Soft Costs (Draw inspection fees/costs).
• Construction Interest (Interest during construction).
- Used for interest payments during construction process. Therefore,
no payments required by borrower until completion of project
Your Loan Consultant will deduct these fees/costs from your total loan
amount and send your builder a budget for their
maximum contract amount, plus the price of land, if applicable.
STEP 4 - IF YOU OWN THE LAND, OR IF LAND IS BEING
GIFTED
We will need:
• Copy of Deed.
• Copy of Closing Statement if purchased within one year.
• If land is currently financed, we will need contact information for
Note Holder.
• If land is Gifted to you, we will also need a Gift Letter and copy of
survey.
STEP 5 - IF YOU ARE BUYING THE LAND
The land does not have a separate closing. The land contract is closed
and funded along with the construction contract. However, your Loan
Consultant will need to talk with your real estate agent
before an offer is made.
Land Contract Contingencies:
• Minimum of 90-day closing of escrow.
• Minimum 60 days for appraisal contingency.
• Minimum of 45 days for inspection contingency.
• Title & Escrow Company is buyer’s choice.
»» NOTE: Land Seller must be flexible for extensions if needed
Send executed Land Contract and any Addendums to your Loan Consultant
once your offer is accepted.
STEP 6 - WORKING WITH
Work with to finalize the complete design
and cost of your home construction, plus all land improvements
including, building permits, grading, foundation, utilities, etc.
»» NOTE: This process could take several weeks or months depending
on the complexity of your project.
typically require a deposit for the home and advance
payment for preparing the site construction estimate. In some situations,
part or all of the permit fees will need to be paid prior to closing.
»» NOTE: Any money you pay out-of-pocket towards the project can
possibly be credited towards your down payment.
Once the numbers are 100% final, will send New
American Funding the cost of the home and the cost of all site
construction. Your Loan Consultant will calculate all of your loan fees/
loan costs as mentioned in Step 3. All of the loan fees will be added to
the Builders Contract.
STEP 7 - FINAL BUILDERCONTRACT
• Sign the BuilderContract, Floor & Elevation Plans and Specifications (all
pages), and any other construction documents required.
• New American Funding will order the appraisal and you will need to
pay for the appraisal out-of-pocket.
• The loan will close approximately 45 days after the appraisal is ordered.
• The land will be paid at closing and your builder will begin construction.
STEP 8 - PROJECT COMPLETION AND LOAN PAYMENT
• Once all construction is complete, your loan interest rate may be
modified to a lower rate depending on market rates at that time;
however, it cannot increase from when it was locked at closing.
• An Occupancy Permit will then be issued so you can now move in.
You will begin making monthly mortgage payments 30 days after.
Have questions?
Contact me
today for more
information!
YOUR
PHOTO
Dawn Wilson
Loan Consultant NMLS#: 1629251
Cell: 714-606-3446
Fax: 949-209-4252
Email: D.Wilson@nafinc.com
www.newamericanagent.com/dawnwilson
NMLS ID #6606. Subject to borrower and property qualifications. Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate
Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 06/2018.

NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

EASY ONE-TIME CLOSE
CONSTRUCTION
LOANS
Creating new opportunities for more
qualified customers
Benefits for Home Builders
• Permanent Loan is closed one-time, upfront, before
construction begins
• Eliminates risk for the builder
0 Customers only need to qualify one-time
0 Customer can’t back out once construction begins
0 Only one appraisal is done - upfront and with no
expiration
• Builder is not carrying the cost of construction
• Land is paid off at closing
• Staged or line-item completion available for draws
• Funding up to 90% during construction
• Fast loan qualification for your customers
• You only work with construction loan experts
Unique Financing for Site-Built Homes
FHA and VA Loans Available!
Program Benefits
• Customer is not required to make any
payments until construction is complete
• Credit Score as low as 620
• 3.5% down payment for FHA
• Zero down payment for VA with no mortgage
insurance
• Purchase of land can be rolled into the loan
• Gifts or land equity allowed for down payment
CALL OR EMAIL TODAY AND ASK FOR OUR BUILDER START-UP PACKAGE!
YOUR
PHOTO
Tom Martinson
Builder Sales Manager
NMLS#: 1283214
Cell: 760-419-7337
Fax: 949-892-1379
Email: Tom.Martinson@nafinc.com
www.newamericanagent.com/TomMartinson
YOUR
PHOTO
Scott MacKenzie
Business Development Manager
Linwood Custom Homes
Cell: 403-561-2344
Office: 604-946-5430
Email: smackenzie@linwoodhomes.com
www.linwoodhomes.com
NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.

STEP-BY-STEP GUIDELINES FOR THE ONE-TIME CLOSE CONSTRUCTION LOANS
STEP 1 -
STEP 2 -
• Go to www.NewAmericanAgent.comto fill out a
loan application.
•
•
STEP
STEP
STEP
»» NOTE:
STEP 7 -
•
•
•
•
»»
»» NOTE:
STEP
Have questions?
Contact me
today for more
information!
YOUR
PHOTO
Dawn Wilson
Loan Consultant NMLS#: 1629251
Cell: 714-606-3446
Fax: 949-209-4252
Email: D.Wilson@nafinc.com
www.newamericanagent.com/dawnwilson
Cell:7-
Fax:949-
Email:@nafinc.com
NMLS ID #6606. Subject to borrower and property qualifications. Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate
Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 06/2018.

NMLS#6606
NMLS ID #6606. This information is to inform the real estate industry only and is not to be provided to consumers. Subject to borrower and property qualifications.
Not all applicants will qualify. Terms and conditions are subject to change without notice. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780.
Phone (800) 450-2010. 0/2018.