I would like to personally welcome you to Community First Bank Loan Services. If you are reading this message, you have responded to one of our marketing pieces or have been referred by one of our many satisfied customers. We believe there are three key building blocks to successful mortgage lending. The first is quality products. We offer all types of government insured mortgage programs including FHA, FNMA and Freddie Mac. The second is the mortgage rate. We can get you qualified for a very low bank rate. The best part is that you do not have to have perfect credit to get these low bank rates. The third is service. We pride ourselves on our customer service. More than 50% our current business is from repeat customers or referrals from customers. Our knowledgeable lending staff is here to answer any questions you may have. Our phone number says it all 1-800-WE GO TO U. The loan process may seem overwhelming, but we are here to help you through every step of the way. • Structure the loan to you personal needs • Order your title • Order you appraisal • Streamline the underwriting process • Schedule your closing • Close your loan in the privacy or your home Thank you from the entire staff for selecting Community First Bank Loan Services for your Lending needs.

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