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PHH Home Loans, LLC d/b/a Coldwell Banker Home Loans. 1 Mortgage

Way, 3rd Floor, Mt. Laurel, NJ 08054. NMLS ID #4256. (www.

nmlsconsumeraccess.org

) Alaska Licensed Mortgage Lender #AK4256-2,

866-462-8266; Arizona Residential Mortgage Licensee #BK 0907285;

Licensed by the Department of Business Oversight under the California

Residential Mortgage Lending Act; Licensed by the Delaware State Bank

Commissioner #20023978094; Georgia Residential Mortgage Licensee

#20292; Illinois Residential Mortgage Licensee #MB.6759857; 100 W.

Randolph, 9th floor, Chicago, IL 60601, 800-532-8785; Massachusetts

Licensed Lender and Mortgage Broker #MC4256; Minnesota – This is not

an offer to enter an interest rate lock-in agreement; Montana Licensed

Mortgage Lender #4256; Licensed by the New Hampshire Banking

Department; Licensed by the New Jersey Department of Banking and

Insurance; Licensed Mortgage Banker – NYS Banking Department; Ohio

Certificate of Registration MB. 804019; Rhode Island Licensed Lender.

Equal Housing Lender.

Tips for Finding the Right

Mortgage:

Choose a lender you can trust.

Coldwell Banker Home Loans is

part of one of the largest mortgage

organizations in the country.

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We’ve built a reputation for strength,

integrity and service that homebuyers

have trusted for decades.

Get a mortgage pre-approval

The first step in getting a mortgage

is knowing how much house you

can afford to buy. We’ll guide you

through every step of the pre-

approval process – all the way

through to closing.

Have your information ready.

To ensure a fast pre-approval

decision, have your income and

employment information on hand,

along with your social security

number, bank account and

credit card balances and contact

information for your landlord or

mortgage company.

Homeownership Starts Here

®

Buying a home is one of the most important financial decisions you’ll ever make.

That’s why it’s important to find a lender who will take the time to answer your

questions and explain what you need to know to find the right mortgage. At

Coldwell Banker Home Loans mortgages are all we do – so we’ve mastered

every phase of the process, building a reputation for reliability and superior

customer service. We have one goal – getting you the mortgage you need as

quickly and conveniently as possible.

We’ll Get You a Reliable Pre-Approval Decision. Fast.

At Coldwell Banker Home Loans, our pre-approval process is designed to

quickly assess your financial situation and tell you precisely how much home

you can afford. Our loan pre-approvals are reliable because we take the time to

evaluate data from all three credit agencies so you know how much house you

can truly afford.

We’ll Guide You Through the Loan Process.

Your local Loan Officer will help you through every step of the pre-approval

process. You can start your pre-approval application online, or if you prefer, we

can take your application over the phone. Of course, the Loan Officer can also

meet with you in person at a location that’s convenient for you.

We’ll Find the Mortgage That’s Right For You.

Coldwell Banker Home Loans has a wide variety of loan products and programs,

and your local Loan Officer can help you find one that meets your financial

needs. We’ll work side-by-side with you and your Coldwell Banker real estate

agent throughout the mortgage process – and tell you exactly what you need to

do to get to closing.

Put the knowledge and strength of Coldwell Banker Home Loans to work

for you. Call your local Loan Officer today for a free loan decision!

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Based on 12M2015 statistics from Inside Mortgage Finance, February 26, 2016.

COLDWELL BANKER HOME LOANS

ESSENTIAL GUIDE

for

Home Buyers

and

Sellers

The