Equity Mortgage Lending was founded in 1986 as a lender to serve all mortgage needs. Our philosophy is to offer a full range of mortgage programs and home improvement loans to meet the diversified lending needs of individuals, commercial concerns, groups and organizations. We are licensed in the states of MD, DE, PA, DC, FL, NC, NJ, and VA. As we closely approach our third decade of lending we welcome you, as we have so many others, to give us a try. At Equity Mortgage, we're real people with honest answers and financial solutions. FULL PRODUCT LIST Conventional - Fixed - Adjustable - Purchase - Refinance (Rate + Term & Debt Consolidation) FHA/VA - Fixed - Adjustable - Purchase - Refinance (Rate + Term & Debt Consolidation) Reverse Mortgage (Home Equity Conversion Mortgage or HECM) Home Equity Line of Credit - You only borrow what you need - Pay interest only on what you borrow - Flexible access to funds - Interest may be tax deductible Home Equity Fixed Loan - Fixed payments - Interest may be tax deductible Besides our standard loan programs, we also have a large number of unique programs to serve your needs: - Purchase a house with $0 down - Piggyback loans 80-10-10 or 80-15-5 - Debt consolidation programs - Home Improvement loans NMLS# is 128519 www.nmlsconsumeraccess.org