My Background• Experience

– Licensed California Residential Mortgage Broker– HomeQuest Mortgage Corp Serving California since 1996– FHA, VA, CalHFA, Approved Lender– Conventional and Jumbo Loans up to $3,000,000– Offering Over 100 loan programs from Major National,

Regional and Community lenders– Prior 25+ Year Sales and Marketing Career as an Executive

Leading Fortune 500 Technology Sales Organizations

• Professional Credentials & Affiliations – Passed National and State SAFE ACT Exams– Member of the National Association of Mortgage Brokers– Member of California Association of Mortgage Brokers – B.S. in Marketing from Arizona State University– Native Arizona Phoenician– Married to Debbie and have 2 Boys; Thomas (14) and

Connor (12) – Active Member of Mission Basilica Catholic School and

Parish

Thomas DraslerDRE#1775516 NMLS#297791

714-478-3153 Direct

949-460-7799 OfficeHomeQuest Mortgage

Corporation www.DraslerHomeLoans.com

Conventional – FHA - VA

Hosted byThomas Drasler

HomeQuest Mortgage Corp.Conventional – Non Conforming – FHA

25283 Cabot Road, Suite 108Laguna Hills, CA 92653

714-478-3153www.DraslerHomeLoans.com

Loan Qualification Loan Qualification 101101

Your Credit ScoreYour Credit Score

Credit ScoresCredit Scores

• Determine the loan programs available to you

• Determine the reliability of the borrower to repay the loan

• Estimate the level of risk to the Lender or Investor

Loan Qualification is Based Loan Qualification is Based on Five Factorson Five Factors

• Credit History• Income• Debt-to-Income Ratio• Employment History• Property Value

Generating a Credit ScoreGenerating a Credit Score• Equifax• Trans-Union• Experian

• Note: Lenders generally use the median score from the three agencies and must be pulled by Lender/Broker.

FICO ScaleFICO Scale

• 740 and higher: minimum default risk• 700-719: low default risk• 680-699: higher default risk• 679 and lower: very high default risk

• Note: Higher risk determines a higher interest rate.

Documentation RequiredIncome Information:•Last two years personal federal tax returns & W2’s, 1099’s, corporate returns, K1’s•Most recent paystubs for past 30 day period•Written explanation if employed less than two years or gap of employment in last two years•Proof of retirement income, pensions and/or social security •Proof of child support – 12 months cancelled checks Copy of drivers license(s)

Credit and Asset Information:•Last three months of asset statements•Most recent quarterly 401k or IRA statement•Landlord name, phone, and address (if applicable)•Copy of divorce decree (if applicable)•Copy of complete bankruptcy papers including discharge papers and explanation of circumstances leading up to the bankruptcy •Credit explanation letter for any late payments, collections, judgments•Documentation (bank image or deposit check) for any large deposits outside of payroll or gift fund deposits

Documentation Needed (cont’d)Other Information:•Copy of drivers license(s)•Copy of homeowners insurance – policy declaration page

Self Employed, Rental Property Owners, Commission/Bonus Income Applicants: •Partnership tax returns – last two years•Corporate tax returns – last two years•K1’s (if applicable)•Copy of rental property lease agreements – if NOT on schedule E of tax return

ANY QUESTIONS??????

Call me with any questions or refer me to anyone you know who is looking to refinance or purchase

residential real estate:Tom Drasler – Call 714-478-3153

or visit www.DraslerHomeLoans.com

THANK YOU!

Recommendations• “I have referred many clients to Tom who does an outstanding job. He is very detail oriented and stays in touch on a

continual basis so the client is always informed thru the entire process. I appreciate his integrity as well as his professionalism. "August 22, 2012

• 1stCheryl Eagleson, Broker/Agent, First Team Real Estatewas with another company when working with Tom at HomeQuest Mortgage Corporation

• “I was first given Tom's name by a friend of mine at work. Based on his recommendation I contacted Tom about re-financing our home. Tom is very personable, with a vast knowledge of the mortgage industry. We were able to get our home re-financed in a very timely fashion with no stress. Tom and his team did a fantastic job for us and they can do the same for you as well.”August 6, 2012

• Top qualities: Personable, Expert, High Integrity• 1stBill Mazelin

hired Tom as a Home Mortgage Re-Finance in 2012• “We had an excellent experience refinancing our mortgage with Tom. We asked a lot of questions and found him to be

knowledgeable and forthcoming with the answers. He made the process easy. We are very satisfied with the result.”August 1, 2012

• Top qualities:Personable, Expert, On Time• 1stLeila Hans

hired Tom as a Mortgage broker in 2012• “If you are looking for top notch home loan company, I would recommend Tom Drasler and HomeQuest Mortgage for your

home loan needs. Tom and his team provided great service every step of the way and made sure that we had a stress free experience. Great job, Tom. Thank you.”May 25, 2012

• Top qualities:Great Results, Personable, High Integrity• 1stGreg Davidson

hired Tom as a Financial Advisor in 2012

References (cont’d)• “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his excellent leadership,

competence and credibility with customers. Over time I learned to rely on his sound business judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real difference. Tom is an excellent communicator and was always available for questions, while managing the funding process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of the best in the business!

James Barrette”February 13, 2012• Top qualities:Great Results, Expert, High Integrity• 1stJames Barrette

hired Tom as a Financial Advisor in 2012• “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue to leverage his

knowledge and experience on any home or real estate investment.Tom is the consumate professional that I trust. He looks out for my best interest and I would recommend him to anyone I know.”December 4, 2011

• Top qualities:Great Results, Expert, High Integrity• 1stStephen Stebbins

hired Tom as a Financial Advisor in 2009• “" I called Tom and found out that since he was an independent mortgage broker, he had many lenders and programs to choose from, many

more than my local retail bank. Not only did he get me a low interest rate, he was able to close my loan in less than 30 days. Tom is the consummate professional who took the time to analyze my requirements and present options that mapped to my personal financial goals. His mortgage experience, knowledge and competent staff made the process painless. I confidently recommend Tom." Elise Sperber - mortgage customer”November 18, 2011

• Top qualities:Personable, On Time, High Integrity• 1stElise Sperber

hired Tom as a Real Estate Agent in 2009• “I have known Tom for over 30 years. He is a man of integrity and high standards. In 2011 I decided to purchase a new home and asked Tom

to help me with the financing . The speed at which he presented a very attractive loan package to me was unparalled in this difficult lending

• 1stBrent Wanstreet MBA, SFR, Realtor / SFR, First Team Real Estatewas with another company when working with Tom at HomeQuest Mortgage Corporation

• “Tom Drasler and Sherri Owen went way above and beyond the call of duty when assisting me with the purchase of my first home last year. I highly recommend working with them if you would like someone knowledgeable, professional, honest, and with heart. They both spent many hours helping me to understand the industry, which included some of their own personal time. Their responses to all my inquiries were quick and direct and they made sure I was able to lock in the best interest rate. My own personal experience of purchasing a short sale home was a year-long nightmare, which I couldn’t have gotten through without them.”March 9, 2012

• Top qualities:Great Results, Expert, High Integrity• 1stAnn Grassick

hired Tom as a Home Mortgage Consultant in 2011• “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his excellent leadership, competence and credibility with customers. Over

time I learned to rely on his sound business judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real difference. Tom is an excellent communicator and was always available for questions, while managing the funding process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of the best in the business!

James Barrette”February 13, 2012• Top qualities:Great Results, Expert, High Integrity• 1stJames Barrette

hired Tom as a Financial Advisor in 2012• “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue to leverage his knowledge and experience on any home or real estate

investment.Tom is the consumate professional that I trust. He looks out for my best interest and I would recommend him to anyone I know.”December 4, 2011• Top qualities:Great Results, Expert, High Integrity• 1stStephen Stebbins

hired Tom as a Financial Advisor in 2009• “" I called Tom and found out that since he was an independent mortgage broker, he had many lenders and programs to choose from, many more than my local retail bank. Not only did he

get me a low interest rate, he was able to close my loan in less than 30 days. Tom is the consummate professional who took the time to analyze my requirements and present options that mapped to my personal financial goals. His mortgage experience, knowledge and competent staff made the process painless. I confidently recommend Tom." Elise Sperber - mortgage customer”November 18, 2011

• Top qualities:Personable, On Time, High Integrity• 1stElise Sperber

hired Tom as a Real Estate Agent in 2009• “I have known Tom for over 30 years. He is a man of integrity and high standards. In 2011 I decided to purchase a new home and asked Tom to help me with the financing . The speed at

which he presented a very attractive loan package to me was unparalled in this difficult lending environment. The entire process was easy, efficient, and made the process of purchasing a new home from start to finish stress free. I would highly recommend Tom to anyone in need of any type of mortgage financing!!!!

“Your Mortgage Consultant for Life”Serving Southern California since 1996

Knowledgeable – Experienced – Ethical Personalized Service – Choice

Tom Drasler Tom Drasler Licensed Mortgage AdvisorLicensed Mortgage Advisor

DRE#1775516 NMLS#297791DRE#1775516 NMLS#297791

www.DraslerHomeLoans.comwww.DraslerHomeLoans.com714-478-3153714-478-3153

25283 Cabot Road, Suite 10625283 Cabot Road, Suite 106Laguna Hills, CA 92653Laguna Hills, CA 92653