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SunTrust Mortgage in 2006 was presented the J.D.Powers & Associates award for "Highest in Customer Satisfaction with Primary Mortgage Sales". Superior customer care and satisfaction is what we're all about. Sandy Glass at SunTrust Mortgage in Cookeville, TN. Sandy can be reached at 931-646-7405 or 931-212-8744 to help you with all your mortgage financial need. SunTrust offers over 250 mortgage products to meet your individual needs. Fast upfront approvals with competitive interest rates to keep your monthly mortgage payments as low as possible. You may also go to my website at www.suntrustmortgage.com/sglass or e-mail me at sandy.glass@suntrust.com. SunTrust retains and services their mortgages to eliminate your mortgage being sold. Listed below are some specific programs we offer along with all the First Time Homebuyer 100% programs. We also offer Portfolio programs for those loans that do not fit the box for conforming. Scroll down to see the list. Scroll down to see a list of loan types available!

Conventional Loans Primary residences, second homes and investment properties Fixed rate and ARMs No prepayment penalty Terms to 40 years Buy down available Up to 100% financing 1-4 units Loan amounts to $417,000 Streamline purchase and refi loan programs Interest only option

Jumbo Fixed Rate 95% fixed rate financing 1-4 units Second home financing to 95% LTV Loan amounts to $2,000,000 Buy downs available Qualifying rations to 50% Streamline refi option

FHA 203B In house approval of qualified applicants low down payment Assumability without rate adjustment no prepayment penalty No maximum income limit ARM & Fixed rate available Loan amount determined by property location

VA No down payment with standard VA loan No prepayment penalty Assumable without rate adjustment No mortgage insurance ARM & Fixed rates available Loan amounts to $417,000

ARM Alternative Lender funded temporary buydown Initial payments are lower than standard fixed rate product Interest rate protection of a fixed rate mortgage Available on a variety of conforming and non-conforming loan products

Adjustable Rate Mortgages Initial terms for 1 month, 6 months, 1,3,5,7, or 10 years Competitive rates Conversion to fixed rate option on some products Primary residences and second homes Investment properties available Terms up to 30 years 103% financing available on some products for primary residences Interest only feature LIBOR Index Loans

Five Year or Seven Year Balloon Fixed payments for 5 to 7 years Competitive initial interest rates Option to extend loan term after 5th or 7th year (subject to conditions)

SunTrust Combo Combination of first and second mortgage Up to 100% financing without mortgage insurance 15 and 30 year fixed rate, 1/1, 3/1 and 5/1 ARMs on the second mortgage No prepayment penalty Variety of first mortgage products available

Specialty or “Niche” Products No Income Verification Program No Income/No Asset No MI Option No Ration Program No Doc Program 100% Non-conforming Investment loans 103% Financing Non-warrantable condo loans Foreign National and International borrower loans Loans with relaxed credit standards Interest-Only loan (during first 10 years) 100% Doctor Loan Program*

Construction-Permanent Financing One closing for both phase3s of loan Guaranteed price protected permanent financing May convert to borrower’s choice of permanent conventional financing Borrower’s payment during construction is interest only

The Bi-Weekly Mortgage Plan The Bi-weekly Mortgage Plan is a payment option 1/2 of regular monthly payment made every 2 weeks Automatic drafting of monthly payment Acceleration of mortgage term Fixed rate for life of loan Convertibility to 30-year monthly payment at borrower’s option without cost

Affordable Housing Zero Down/100% Help 100 Financing Down Payment Assistance Teacher, HealthCare Worker and Safety 1st My Community 97 and 100 Low to moderate income program

Lot Loans As little as 10% down interest only payments 12,36, or 60 month terms

Equity Lines TLTV to 100% Line amounts up to $1,250,000 Interest-only payment option available Simultaneous and stand alone transactions

Guidelines on all products subject to change *Not available in NC, NY, OH, PA, NJ, CT The information contained herein is intended as information material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee, is a Lender in Massachusetts having Mortgage Lender License #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491 and Ml2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-888-994-7864; is a licensed lender in Rhode Island; is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix AZ 85020; and is doing business in New York at 145 Pinelawn Road, Suite 330, Melville, NY 11747. @2006, Suntrust is a federally registered service mark of SunTrust Banks, Inc.