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Nick Kammer
Loan Officer
Phone: (937) 297-3611
Fax: (937) 293-1912
Email: Nick.Kammer@ncmc.com

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Our Realtor Resource website has valuable, free information for Real Estate Professionals

Get 50,000 Points With a Mortgage from National City

Government Insured Loans...

National City Mortgage is a "Top 10" Approved Lender for FHA and VA

FHA Loans

VA Loans

FHA Loans are Federally insured to help you purchase or refinance a principal residence. The mortgage loan is funded by a lending institution, such as a mortgage company, bank, savings and loan association and the mortgage is insured by HUD

You are eligible for approximately 97% financing.
You can finance the upfront mortgage insurance premium into the mortgage.
Eligible properties are one-to-four unit structures.
FHA insured mortgages offer many benefits and protections that only come with FHA.
Easier to Qualify for an FHA Loan.
You don't have to have a perfect credit score to get an FHA mortgage.
Low Down Payment: FHA loans have a low 3% downpayment.
Downpayment money can come from a family member, employer or charitable organization as a gift.
Competitive interest rates.

Loans available to Veterans & Reservists, with a Certificate of Eligibility, financing up to 100% of the property value.

No downpayment is required in most cases.
Loan maximum may be up to 100 percent of the VA-established reasonable value of the property.
No monthly mortgage insurance premium to pay.
Limitation on buyer's closing costs.
Thirty-year loans with a choice of repayment plans.
All new houses, regardless of when appraised, are covered by either a 1-year builder's warranty or a 10-year insured protection plan.
An assumable mortgage, subject to VA approval of the assumer's credit.
Prepay loan without penalty.
Buy a home, condominium, or co-op.
Build a home.
Purchase and improve a home.
Install energy-related features.
Refinance an existing home loan up to 90 percent.
Buy a manufactured home and/or lot.

Mortgage Documents

- W-2 Forms (2 most recent)

- Two current pay-check stubs

- Tax Return for the past year

- Bank Statements (previous two months)

- Stocks owned, or certificates

- Purchase & Sale Agreement (when available)

- Divorce decree

- Relocation contract, if applicable

- Bankruptcy papers, including discharge, if applicable and less than 10 years.

- Additional income you would like us to consider in approving your financing

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Take Advantage of This Valuable Free Information for Homebuyers

How much can I borrow?	How much will my payments be?	Fixed or adjustable rate?	Should I pay points to lower the rate?	Which is better - 15 or 30 years?
How much for my downpayment?	Should I refinance?	What are refinancing costs?	How can I reduce mortgage payment?	Which loan is better?
How do extra payments help?	What home can I afford?	Obtaining a pre-qualification	Selling your home	Negotiating a lower price
Downpayment Assistance	Refinancing Options	Documents you will need	Compare Mortgages	Bi-Weekly Mortgages

*All purchase money mortgages and refinanced first mortgages offered by National City Mortgage, a division of National City Bank, are eligible, but only one 50,000 point reward is available for each points from National City account. Certain conditions apply. Mortgage loans are subject to credit approval and property appraisal. Mortgage programs are subject to change without notice.

Contact Information:
Dayton Metro
3100 Governor's Place Blvd.
Suite 200
Kettering, OH 45409

Phone:	(937) 297-3611
Fax:	(937) 293-1912

Email: Nick.Kammer@ncmc.com