www.StellarOne.com 888.785.5271

EQUAL HOUSINGLENDER

Must be owner occupied primary residence purchases only. Program guidelines are subject to change at any time without notice. The description above are highlights of the program. Other restrictions apply. As of 1/9/2013.

MEMBER FDIC

Maximum Loan Amount $300,000

Maximum Loan To Value (LTV) and required credit score:

100% LTV with credit 700 and above97% LTV with credit 660 and above95% LTV with credit 620 and above90% LTV with credit 600 and above (minimum credit allowed 600)

Maximum Income Limits Hud Median Income for County / City

Private Mortgage Insurance (PMI)

NO PMI

Cash Reserves 2 months worth of payments including insurance and taxes, gift funds are acceptable

Home Ownership Counseling Counseling required and borrowers must provide certificate of completion within 12 months by a StellarOne recognized counseling program prior to loan closing.

Credit Requirements No bankruptciesNo collections/judgments in prior 24 monthsNo unpaid collections/judgmentsNo 30 day delinquencies in prior 12 months

Non-traditional credit may be considered with minimum of 3 verified sources

STAR is a new and exciting program at StellarOne Mortgage that offers your clients assistance in purchasing a home of their very own.

StellarOne also offers a variety of mortgage products and will find the loan that best suits your customer’s needs.

Mortgage Consultant

105 Arbor DriveChristiansburg, VA 24073

t 540.382.6091c 540.577.5056

schafin@StellarOne.comNMLS ID 475651