Welcome to Parkside Lending!

THE FUTURE OF MORTGAGE LENDING….. TODAY……….

The value of a Parkside Partnership

 Common sense underwriting that partners with you to help make the loan work.

 Exceptional communication and access to underwriting and closing team members.

 Easy to use pricing engine ensures you have the right net price every time.

 Scenario assistance from your AE to help you answer the tough questions.

 Easy to navigate website providing real time information about your loans in process.

 Pricing updates and notifications during market changes allowing you to protect your pipeline.

 NON-QM products to help those borrowers who don’t fit into the box.

 Renegotiate your locks in a changing environment to protect your borrowers.

The value of a Parkside Partnership

 Purchases are ALWAYS prioritized for underwriting.

 95% financing on conforming & 90% on High balance with either LPMI or traditional MI.

 Order your appraisals Immediately!! There is No waiting period at Parkside.

 We are Great with flip properties, Up to 95% LTV!!

 95% ALL gift- okay on Conforming Loans!! Gift funds for primary and second home permitted.

 We will accept TBD submissions- on ALL products, including Jumbo.

 Manual Underwriting is okay.

 Texas Cash out loans.

The value of a Parkside Partnership

 Landlord history is not required with DU.

 Close in a trust on all occupancy types.

 No upfront borrower forms to sign.

 HARP to 150% with appraisal waiver!!

 5-10 financed properties- okay!

 Non Perm Resident Alien with AUS accept- EAD cards Okay!!

 CSR support to help you during every step of the process.

 Proprietary and Loan Origination System (“LOS”) providing quick and accurate underwriting, seamless doc management ,easy to use pricing engine , offering an extremely easy and informative interface to work with Parkside.

Qualify More Borrowers

 One year tax returns with an LP accept.

 Pay down of installment debt to 10 payments or less.

 No trade line requirements- we will go off AUS approval  AUS findings dictate borrower reserve requirements.  Pay off debt to qualify using LP without closing the accounts!!

 Blended ratios on LP to 90% (occupant borrower needs to have $1 in income)  Calculate HELOC payments directly from credit report.

 LP Super Conforming- 80% LTV on second homes & Investment, 75% LTV cash out.

Jumbo Products

 Both Fixed & ARMS  Delegated Underwriting- no extra time for investor review!!

 Asset Depletion program.

 Property type- SFR, Condos, & 2 units.

 Gift funds up to 1 million  Foreign Income is okay with 2 years tax returns.

 Combining 1 st and non purchase money 2 nd considered R/T.

 We will consider Exceptions!!

 Business funds okay for down payment.

 Up to 80% LTV

Parkside Collateral ARM Non QM

 Unlimited # of Financed Properties.

 Qualify Using Property Cash Flow (not DTI)  We Lend to Individuals, Trusts or LLCs  No Seasoning Requirements   No limits on cash out.

Use current appraised value  Non Owner Properties Only  (1-4 unit residential properties).

 Mixed used properties allowed  Gift Funds Allowed. (even for reserves)/ 6% Seller Credit Allowed  We Entertain Exceptions!!!