1	Attain Financial Independence Small Changes = Big Results
2	Does any of this sound familiar? We want to get ahead but no matter how hard we try to save… I know I need to save for retirement but with the monthly bills… Our children will soon be graduating from high school but we never had enough… We want to buy a home but have no idea how much we can afford or even how to start…
3	Attacking Credit Card Debt Head On The average American household has nearly $9,200 in credit card debt, according to CardWeb.com The average interest rate runs in the mid to high teens Many families are struggling just to make the minimum payments with no way out
4	Minimum Payment Maximum Trap Take that national average, say $9,000 in credit card debt Assume the interest rate is 18% Making minimum payments will add up to $13,000 of nondeductible interest alone and takes 31 years to pay off the balance!
5	American Dream? The Smiths are a typical American family Own a home worth $260,000 Took out a 15 year mortgage out last year for $180,000 to try to pay the mortgage off faster – monthly payment $1,450 and current balance of $170,000 Owe $30,000 in consumer debt with combined monthly payments of $1,350
6	Attain Debt Freedom New 30 Year Mortgage of $206,000 New payment of $1,302 Monthly savings of $1,498 used to pay additional principal each month Attain Debt Freedom in 94 months!
7	Attain Debt Freedom The Attain Debt Freedom Program is based on proven financial strategies Unlock the equity in your home Consolidate high interest debts into a single lower monthly payment Apply the savings to pay down your mortgage
8	Can You Afford To Stop Working After Retirement? Findings from a 2005 Survey¹ 12% of people say they will never be able to retire at all, up from 7% in 2000 Nearly 70% of American workers plan to work full- or part-time jobs after they retire Workers feel less confident Retirement confidence is weakened by debates over the future of Social Security Business Week Reports² – “Corporate America finds itself $450 billion short of what it promised workers…”
9	Facing the Challenge Meet the Joneses, a family just like you Own a home worth $260,000 Took out a 15 year mortgage out last year for $180,000 to try to pay the mortgage off faster – monthly payment $1,450 and current balance of $170,000 Owe $30,000 in consumer debt with combined monthly payments of $1,350
10	Attain Retirement Security New 30 Year Mortgage of $206,000¹ New payment of $1,302 Monthly savings of $1,498 is contributed to a prudent savings plan Over $400,000 in savings after 15 years²
11	Attain Retirement Security The Attain Debt Freedom Program is based on proven financial strategies Unlock the equity in your home Consolidate high interest debts into a single lower monthly payment Apply the monthly cash flow savings to a regular savings plan
12	Rising College Tuition In the last decade college costs rose at nearly 4 times the rate of family income Consider the current average annual cost of college: Ivy League $36,360 Private College $27,677 Public College $12,841 Financing takes thoughtful planning and an understanding of your challenges and options
13	Investing in Education College education directly affects earnings Lifetime earnings of college graduates are 80% higher than those with high school diplomas Survey reveals 63% of households with income higher than $150,000 have a bachelors degree or better A college education pays lifetime dividends for your children and grandchildren
14	Attain Knowledge We understand the challenges families face in providing for their children’s education We offer two options to assist in funding this important need Use equity in your home to fund the tuition costs if you are facing a near-term need Use a strategic refinancing to free up monthly cash flow to use for college savings plans With our tax knowledge we can help you make the right funding choice by taking any tax consequences into account
15	Providing Access to the American Dream Owning a home is the foundation of financial security Faced with the struggles of just keeping up with monthly rent and expenses many feel it will be years before they can afford to buy Attain’s innovative loan products provide home ownership with low or no down payment
16	$500 Down Could be All You Need! You may qualify to borrow up to 100% of the purchase price with as little as $500 of your own funds for closing costs The remaining costs can be in the form of a loan, a gift or even seller contributions Special options are available for certain professions including teachers, police officers, health care workers and firefighters
17	The Challenge Meet the Wrights, a typical young couple who dream of owning a home. Combined annual income of $40,000 Rent an apartment for $1,050 per month Limited savings for downpayment
18	The Solution Their Attain Advisor recommends a $150,000 MyCommunity mortgage $500 down payment Lender paid mortgage insurance option A monthly payment of $997! Lower monthly payment plus tax savings
19	Attain Home Ownership Your Attain Advisor can help you Understand the loan options available Assist in developing a budget and structuring a loan that is within your reach Help identify and deal with credit issues Attain Home Ownership through one of our Homebuyer Education Seminars
20	Ready to Get Started? Complete a pre-application kit and give it to your Attain Advisor Your Attain Advisor will prepare you a custom mortgage analysis Review the results and get ready to Attain Financial Independence!
21	Attain Advisor Network The Attain Advisor Network is a financial product distribution company serving middle class Americans through a network of tax and accounting professionals
22	The Attain Advantage Innovative products for all credit situations Fixed Rate, Adjustable Rate and Hybrid ARM products Interest Only available An independent, objective review of your financial situation
23	About Attain Mortgage Attain is a licensed mortgage lender/broker in Alabama, Colorado, Florida, Georgia (20323), Louisiana, Minnesota, Mississippi (Mississippi Licensed Mortgage Company), and South Carolina. License applications are pending in additional states Our Locations Corporate headquarters is in Rome, Georgia. Mortgage operations center is in Duluth, Georgia Branches are located in all of our licensed states Our management team has many years of experience working with homeowners and homebuyers
24	Contact Attain For any questions you may have about the loan process or concerns you have during processing you may contact our compliance department. Your total satisfaction is our goal. Phone 800-637-0566 x 1 Local Phone 404-348-4222 Fax 866-814-4581 Email info@attainmortgage.com Mail 11330 Lakefield Drive Building II, Suite 200 Duluth, GA 30097