| First Time Buyers Program  Buying your first home is an exciting, 
                                      scary, and hectic experience. But many first 
                                      time home buyers make a lot of mistakes 
                                      that can cost hundreds of thousands of dollars. 
                                     If you’re a first time home buyer, 
                                      Mortgage Grader® 
                                      can be just the partner you need. Mortgage 
                                       Grader’s® 
                                      innovative First Time Buyer Program can 
                                      help you avoid the mistakes many first time 
                                      home buyers make. This program is designed to help new homebuyers 
                                      determine how much house they can afford, 
                                      and advise you on variables such as the 
                                      amount of your down payment, your income, 
                                      taxes, and interest rates so you can begin 
                                      the search for your new home with a predefined 
                                      set of criteria. If you still aren’t 
                                      ready to apply for a mortgage today, you 
                                      can use our services three times in a 12-month 
                                      period to help you better prepare for homeownership 
                                      and apply when you’re ready. Our goal 
                                      is to make buying your first home a positive 
                                      and memorable experience.    |