LESS THAN PERFECT CREDIT LOAN The Less Than Perfect Credit program is for those Borrowers with imperfect credit who experienced a short to intermediate term credit issue that is now in the past. The Less Than Perfect Credit Program: Every loan is looked at on it's own merit. Future prospects (future income, credit & savings ability) are major approval criteria Past circumstances are given the benefit of the doubt and making it through a rough patch deserves some credit A recent bankruptcy is not an automatic decline Neither are late mortgage payments of 3 times within 24 months, including 2 times in the last 12 months Rates start at 8.95% fixed for 2 years Loans from $75,000 to $2,000,000 Less Than Perfect Credit loans are approved with the assumption that the Borrower will be able to refinance within 1-2 years. NO EMPLOYMENT LOAN The No Employment program is designed for Borrowers who are in-between jobs, but are expected to secure employment in the near future. The No Employment Program: Rates start at 8.95% fixed for 2 years Loan amounts up to 80% of the appraised value / purchase price Loans from $75,000 to $2,000,000 1 to 4 family, owner occupied properties are eligible No Employment loans are approved with the assumption that the Borrower will soon be employed and will be able to refinance within 2 years.           The Normandy Advantage: Fast pre-qualification, typically within 1 to 3 business days Deal directly with the Loan Officer/Underwriter If qualified Normandy will refinance the loan for a maximum additional closing cost of $495*, at market interest rates (up to a maximum loan size of $417,000) Normandy is currently lending in the following states: AK, CA, CO, CT, DE, FL, GA, IA, IN, KY, MA, MD, MI, NJ, NY, RI, TN, VA Call today @ (800) 390-7536 or click the "Contact Me" or "Pre-Qualify Now" button above. The "Pre-Qualify Now" link is for NON-BROKERS ONLY. Brokers should refer to Broker Center. Broker Agreements will not be honored by Normandy if Broker submits a Pre-Qualification using the consumer link above. NORMANDY CORPORATION Principal Business Address: 46 Prince Street, Rochester, New York 14607 585-256-2600 * 800-390-7536 * Fax: 585-256-2836 Email: info@normandy.com Hours: Monday - Friday   9 am to 5 pm