OUR SPONSORS

Bill Kosar Assistant Vice President Loan Officer – Residential Mortgage 6160 14th St W Bradenton , FL 34207 Office: (941) 465-4623 Fax: (941) 465-4625 Assistant: (941) 465-4622 Email: william.v.kosar@bankofamerica.com Website: http://ae.bankofamerica.com/williamvkosar

Check Out the Bank of America Option

• Purchasing or Refinancing begins here.
• Simplify the home selection process.
• Know how much you can afford.
• Increase your bargaining power.

Know your mortgage options

• Hassle-free process with 80% less paperwork.
• Traditional fixed-rate programs
• Adjustable Rate programs (ARMs)
• Combination mortgages

Options for experienced borrowers

• No Down Payment Doctor Loan
• Jumbo mortgages up to $3,000,000
• Many Options ARM
• One-Time-Close Construction loan
• Stated Income / Stated Asset
• Condo-Hotels
• Home Equity Line of Credit

Affordable Mortgage Programs

• ACORN Housing Corporation program
• Neighborhood Champions
• Neighborhood Advantage Zero Down
• Neighborhood Advantage Credit Flex
• Community Commitment & Accommodation Programs
• Federal Housing Administration (FHA)
• Veterans Affairs (VA)
• State & Local Down Payment Assistance & Bond Programs

Delivering more commitment & ongoing service

• Your loan stays with Bank of America
• Mortgage Rewards – save up to $2000 at closing
• Mortgage clients receive a free premium checking account package
• Automatic Payment Plans
• Borrowers Protection Plans