Royce Ingram
Loan Officer
National City Mortgage, a division of National City Bank
4300 Bayou Blvd.
Pensacola, FL 32503
Direct line ~ 850.207.2775
fax ~ 850.471.0618
e-fax ~ 1.888.476.7944
e-mail ~ royce.ingram@ncmc.com
apply ON-LINE for your mortgage ~ www.ncmc.com/royceingram

National City Mortgage Corporation

Benefits:

~ Top 5 National Lender in United States = Stability in a Rapidly Changing Mortgage Industry ~ Fast, Local Credit Decisions ~ Direct Lender ~ Free Consultations & Pre-Approvals ~ Lowest Lender Fees ~ Number One Lender in Construction to Perm Loans ~ Originating Loans in 48 States ~ Convenient, Professional Facility ~ Pensacola’s Fastest Growing Mortgage Company ~ Domestic Loan Servicing ~ National City Mortgage is backed by National City Bank, one of the largest bank holding companies in the U.S. ~ Serves over 3.5 million consumer households and thousands of businesses ~

*New Loan Options:

~ No down payment! ~ No cash reserves required! ~ No Private Mortgage Insurance! (Save up to $4,000 annually!) ~ Seller can pay all closing/settlement costs (on V.A./F.H.A./First-time Home-buyer loan programs up to 6% of purchase price) ~ Interest-only loans ~ Stated Income/Verified Assets (dependant upon credit score) ~ 15, 30, & 40 year fixed rate loan terms ~ Credit challenged loan programs ~ No credit history? No problem! Ability to produce nontraditional credit score using payment history such as rent, utility & phone bills, car insurance, etc.

*New Loan Programs:

· 100% financing ~ Option for lender or seller paid Private Mortgage Insurance ~

· Build equity quickly ~ 80% first mortgage ~ 5%, 10%, or 15% second mortgage

· Our second mortgages have the best rates in the mortgage business

o Option to lock your second mortgage to a fixed rate loan

· V.A. ~ 100% financing ~ No Private Mortgage Insurance ~ Lowest rates

· Non-occupant co-borrower, Boarder, & Secondary income allowed ~ Low rates

~ Contact ~ Royce Ingram, Loan Officer ~ 850.207.2775 ~ royce.ingram@ncmc.com ~

· Rural Development ~ Qualifying properties in Escambia County include those North of 10 Mile Rd. ~ Santa Rosa County includes properties in Pace & Milton ~ up to 102% financing (dependant upon equity) ~ No Private Mortgage Insurance ~ Low rates ~

§ F.H.A. ~ No minimum credit score ~ Bankruptcies/Foreclosures OK if > 2 years ago & some exceptions for Ch. 7 between 1-2 years ago ~ Option for 100% financing ~ Non-occupant co-borrowers allowed ~ Large variety of acceptable income & assets ~ Low rates ~

· Special loan program for Teachers, Health-care workers, Police, & Firefighters

Apply “ON-LINE” for your mortgage: www.ncmc.com/royceingram

Royce Ingram, Loan Officer, is ready to assist you with your loan. Be sure to call Royce at 850.207.2775 so he can figure your principle, interest, taxes, & insurance for you. Royce has access to the largest selection of mortgage products, the lowest interest rates, & the lowest costs.