At Quintessential Mortgage Group, we educate, advise and empower you with mortgage planning tools to make informed decisions.-personally licensed in NY, NJ, CT, PA, FL & TXNo application fee, no processing fees and no points!-FHA financing down to 580 mid credit score with 3.5% down payment and 500 mid credit score with 10% down payment; VA and USDA financing down to 580 mid credit score-non-QM, jumbo, commercial and private/hard money loans914 316-4467matthew@qmgllc.com

Home America Lending (MCS rebranded) is a direct in-house residential mortgage lender focused on delivering personalized mortgage loan products with competitive mortgage rates.-personally licensed in NY, NJ, PA, MD, OH, KY, IN, FL, TX & CAFHA financing down to 580 FICO with 3.5% down payment and 530 FICO with 10% down payment; VA financing down to 580 FICO for AUS approval; USDA financing down to 580 FICO for manual approval• One-Time Close Construction Loans – all-in-one financing construction to permanent solution - FHA, VA & USDA - 620 minADVANTAGE PROGRAMS – Portfolio Loans (includes 5/1, 7/1 and 10/1 ARMS)-Self-Employed Bank Statement – 12 months of deposits used to calculate income - 20% down - 680 min FICO -Foreign National – loan for second home or investment property - 30% down - stated income - International Credit Report or letter of good standing with current financial institution-Stated Income Investment Property – designed for experienced real estate investor purchasing or refinancing investment properties which he or she plans to hold for business purposes - DTI not calculated - income based on cash flow of subject property - 680 min FICO, 20% down - borrower has to have prior landlord experience*The borrower is qualified based upon the cash flows of the subject property only.*-Fresh Start – no waiting period or “seasoning” required after bankruptcy, foreclosure, deed in lieu of foreclosure or short sale - 15-30% down with DTI up to 50% - 580 min FICO-Homeowner’s Access – for borrowers who demonstrate ability to repay, but don’t otherwise meet traditional agency guidelines - 90% max LTV - 620 min FICO - DTI up to 50%We also offer Jumbo Loans: 680 min FICO, 90% LTV, max DTI 38%, mortgage insurance on anything above 80% LTV.AVAILABILITY!!! I will be available the entire step of the way. My communication is second to none. I’m available 7 days a week and during the evenings.914 316-4467mgreenleaf@mcsmortgage.com

InterContinental Capital Group is a direct lending mortgage bank specializing in home financing for one to four family residential properties.In addition to 620+ conventional loans, see below for an array of products & programs we offer our borrowers:GOVERNMENT PRODUCTS OVERVIEW:o 580+ FHA with NO OVERLAYS - 3.5% down, AUS approve/eligible status: 620+, DTI up to industry max of 56.99%; 619-580, DTI around 48%, depending on other factors o 550+ FHA - with 10% down and 1 Compensating Factor - VOR requiredo 580+ FHA Manual Underwrites - 2 Compensating Factors - VOR requiredo 580+ FHA Modular and Manufactured Housing - NO OVERLAYS, on Scorecard Findingso 580+ FHA 203k Limited Loans - up to 35K added to loan balance for home improvements for use on non-luxury itemso 530+ VA Manual Approvals - must exceed VA guidelines of Residual Income and other compensating factors requiredo USDA Approvals - NO OVERLAYS, on GUS Findings914 316-4467mgreenleaf@ownithomeloans.com

MCS Mortgage Bankers is a privately held, full-service residential mortgage lender. We are a direct lender, a government approved FHA lender and an approved HUD mortgagee. MCS is an equal housing lender.GOVERNMENT PRODUCTS OVERVIEW:• 580+ FHA with NO OVERLAYS - 3.5% down-AUS approve/eligible status - 620+, DTI up to industry max of 56.99%; 619-580, DTI around 48% depending on other factors• 530+ FHA - with 10% down and 1 Compensating Factor• FHA Manual Underwrite - 620 min with 2 Compensating Factors • FHA Modular and Manufactured Housing - down to 580 - NO OVERLAYS• FHA and VA NO FICO SCORE LOANS! - for FHA, 3.5% down payment - DTI 31/43• 580+ FHA 203k Limited Loans - up to 35K added to loan balance for home improvements for use on non-luxury items• FHA HUD REO $100 Down - down to 580• 580+ VA Manual Approvals - with no collections or late payments in last 12 months and DTI below 45%... loan is approved!• 580+ USDA Manual Approvals - DTI 31/43 with no collections or late payments in last 24 months914 316-4467mgreenleaf@mcsmortgage.com

Hometown Lenders is a fully integrated, multi-channel direct mortgage lender. We leverage technology and the power of the Internet with a traditional brick and mortar business in order to bring you efficient mortgage financing and unsurpassed customer service.We offer a complete range of conforming, non-conforming and government loan programs, as well as a variety of options to help your family successfully budget your mortgage.*Roostify ApplicationsWe have a very innovative online application system that not only produces an application but keeps the buyer and the realtor up to date on everything throughout the process. This is a great way for realtors to easily manage their clients. This technology is transforming the mortgage industry!*True Approval ProcessWe have the option of sending a file to obtain underwriting approval before we issue a pre-approval letter. The buyer will be getting a "true approval". We fund loans for FHA down to 600 and for VA down to 580!  NO INVESTOR OVERLAYS! CLOSE ON TIME! We work diligently on loan files to have them close within 21 days from receipt of disclosures. Our system is set up so that the file is with the loan officer/processor/underwriter a maximum of 7 days each to ensure 21 day closings. FUTURE BUSINESS - The name of the game is more business. In a cut-throat industry, we know what it takes to keep the relationship with the realtor/builder/borrower as smooth and seamless as possible.

Nations Lending Corporation is a national full-service mortgage lender specializing in FHA and VA loan programs. The secured mortgage programs and services we offer include, but are not limited to, conventional fixed-rate, adjustable-rate, interest-only, refinance, VA, USDA and FHA mortgages for first-time home buyers and existing home owners.-personally licensed in AL, CA, CO, IN, KS, LA, MA, MD, NJ, OH, OK, PA & TX*We offer both FHA & VA financing down to a 580 CREDIT SCORE!*FHA 3.5% down / industry max 56.99% DTI (on 620+ FICO) and up to 43% DTI (on 619-580 FICO)*VA 100% financing with manual underwrites up to 50% DTI*Conventional financing (620+ FICO)*USDA 100% financing (640+ FICO)*MINIMAL INVESTOR OVERLAYS*PRE- APPROVAL ISSUED SAME DAY! - We want our realtors to have the confidence in knowing their client is approved before putting in an offer.*Ability to PRE-ORDER CLOSING INSTRUCTIONS from the closing department after a file is initially underwritten. NO MORE WAITING until a file is clear to close to have the documents drawn.

-mutual life insurance

-mutual life insurance

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David Yurman is a designer, manufacturer and wholesale/retail distributor of fine jewelry (14K & 18K gold, sterling silver, diamonds and gem stones) with annual revenues of $580M.*Responsibilities included managing and analyzing component needs on a SKU level(40,000-50,000 SKUs).*Specific duties included planning and managing MRP for components to ensure the timely assembly of finished goods, establishing and analyzing core product, monitoring ABC categories, setting safety stock and reorder points, working closely with overseas and domestic vendors for order/shipment status, attending weekly meetings to review customers' open order status, authorizing vendor invoices for payment.*Interacted with Finished Goods, Operations, Inventory, Quality Control, Logistics, Product Engineering, Product Development and Finance Departments on a daily basis.*Supervised and reviewed the work of purchasing and sales order assistants.*Utilized Microsoft Outlook, Excel & Word, QAD, Business Objects and Internet Explorer for all functions.*Main customers included Neiman Marcus, Saks Fifth Avenue, Nordstrom and retail outlets.

Lifetime Brands is a designer, marketer and wholesale distributor of houseware products with annual revenues of $650M. I worked for the Kamenstein kitchenware division, which has annual revenues of $60M.*Responsibilities included managing and controlling inventory on a SKU level (launch and replenishment forecasts).*Specific duties included reviewing ERP/MRP inventory reports and ordering product based on monthly forecasts, working closely with overseas vendors to ensure timely shipments, updating the Demand Planner on the status of open vendor orders so to coordinate the fulfillment of customer orders, working with freight forwarders to clear shipmentsthrough U.S. Customs, authorizing vendor invoices for payment.*Interacted with Sales, Category, Purchasing, Operations & Warehouse Managers and the Demand Planner on a daily basis to review open customer forecasts/orders.*Supervised and reviewed the work of an inventory clerk assistant.*Utilized Microsoft Outlook, Excel & Word, SAP, Demand Solutions, Adobe and Internet Explorer for all functions.*Main customers included Walmart, Target, Bed Bath & Beyond, Macy’s and Kohl’s.-reduced inventory levels while maintaining and ensuring the fulfillment of customer orders

AJI was a designer and wholesale distributor of sterling silver, costume and antique jewelry with annual revenues of $30M.*Responsibilities included planning, purchasing and controlling inventory on a SKU level.*Specific duties included reviewing product sales/inventory reports and analyzing product sell-thru, reviewing/evaluating sales projections, reviewing SKU profit margins, submitting stock availability reports to the sales force, entering/receiving purchase orders, working closely with vendors regarding shipments.*Interacted with Sales, Marketing, Operations and Accounting Departments on a daily basis.*Supervised and reviewed the work of three assistants.*Utilized Microsoft Outlook, Excel & Word, Datamar and Internet Explorer for all functions.-significantly reduced excess inventory and maintained acceptable fulfillment levels