Craig S PrickettNmls 268694954-558-4430www.firstfloridafin.comCraig.Prickett@caliberhomeloans.comGreat News!Caliber Home Loans, Inc. is offering refinance opportunities for customers who may qualify for a mortgage loan under the federal government's Home Affordable Refinance Program (HARP 2.0). By refinancing into a new, lower rate mortgage, you may be able to reduce your monthly payment or save thousands in interest payments over the life of your loan. Even if you owe more than your home is worth, you still may qualify for HARP 2.0.Reduce Your Monthly Payment or Save Over the Life of Your LoanApply today and find out if you qualify to reduce your monthly payment with a 30-year mortgage or pay less over the life of your loan with a shorter term. Potential benefits include:o Lower your interest rateo Reduce your monthly paymento Save thousands in interest over the life of your loano Shorten the term of your loan allowing you to own your home sooner*No Out-of-Pocket Closing Costs**Refinancing with Caliber is easy! With the ability to roll your closing costs into your loan, you may not need to write a check atclosing.Choose Your Own Term!With Caliber, you may be able to choose a term to fit your financial needs, reduce your monthly payment, or pay off your loan faster!..Monday - Friday 9 AM to 6 PM Eastern Time*Refinancing to a shorter term mortgage with a payment increase of over 20% requires a minimum FICO score of 620. **Option to finance closing costs is available to qualified customers. You must qualify based on loan program guidelines.See reverse side for more important disclosures. Lender is not affiliated with the federal government. Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by Fannie Mae or Freddie Mac by checking the following websites: www.knowyouroptions.com/loanlookup or www.freddiemac.com/mymortgage.Caliber Home Loans, Inc., 3701 Regent Boulevard, Irving, TX 75063 (NMLS #15622). 1-800-401-6587. Copyright(C)2013. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. Caliber Home Loans, Inc. is required to disclose the following license information: Alaska Mortgage Lender License No. AK15622; Arizona Mortgage Banker License No. 0923637; Licensed by The Department of Corporations under the California Residential Mortgage Lending Act, Finance Lender Licensee; CO: Regulated by the Division of Real Estate; Georgia Residential Mortgage Lender License No. 7330; Illinois Residential Mortgage Licensee No. MB.0004043, by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000; Kansas-licensed mortgage company, License Number SL.0000796; Minnesota: MN-MO-40149066, This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4); Licensed by the Mississippi Department of Banking and Consumer Finance; Montana Mortgage Lender License No. 15622; Licensed by the New Hampshire Banking Department; Licensed mortgage banker n.s.--N.J. Department of Banking; Licensed Mortgage Banker-NYS Department of Financial Services; Ohio MBMB.850184.000; Oregon Mortgage Lender License ML-324; Rhode Island Licensed Lender; VA: NMLS ID # 15622 (www.nmlsconsumeraccess.org); Washington Consumer Loan Company License No. CL-15622.