PAR PLUS ONE MORTGAGE LLc.

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Par Plus One offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Residential <?xml:namespace prefix = o /> Conforming (Fannie Mae) 1-4 family Purchase 100% Loan-to-Value No down Payment Programs Cash out Refinances Home Improvement Loans Debt Consolidation Roll-Together (combining current mortgages together into one loan) Construction Loans Non-Conforming Bridge Finance Hard Money Foreclosure Bailouts Sub-prime Commercial Raw Land Acquisition Land Take Down Mezzanine Finance Bridge Finance Large Development Projects Hard Money Construction loans Vertical Financing Overseas Financing Purchases Multi-Family Tenements Mixed-use Property Business Purchases



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.