1. Highlander Mortgage is a full-service mortgage company located in Austin, Texas. We have been in business since 2008 and we are still going strong today by providing you with the lowest mortgage rates you’ll find anywhere on the following home loans: 1

2. 03 Mortgage Lenders Mortgage Lenders 04 Mortgage Rates Mortgage Rates 05 Refinance Refinance 06 Fha Fha Loan Loan 14 Home Equity Loan Home Equity Loan 2

3. The Highlander Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available anywhere. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. 3

4. Today’s Mortgage Rates Mortgage Rates change on a daily basis and can vary depending on your unique situation. Simply use the quick form below to receive FREE and accurate rate quotes from a nationwide network of trusted lenders. 4

5. Refinance Advisor This Free Refinance Advisor has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the more questions you answer – the more accurate your results. You’ll receive the Refinance information you need instantly without all the calls and emails! 5

6. FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. FHA loans are an attractive option, especially for first-time homeowners:  Generally easier to qualify for than conventional loans.  Lower down payment requirements.  Lower closing costs than conventional loans. 6

7. Home Equity Loans are also known as “cash- out refinance” loans, and in Texas they are also referred to as “Texas cash-outs” or a “Texas A(6)”, referring to the article of the law that governs mortgages in Texas. 7

8. Fixed Rate Mortgage With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be. 8

9. About us The goal here at Highlander Mortgage is to create lasting relationships with each and every client and to continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. 9

10. Today’s Mortgage Rates Mortgage Rates change on a daily basis and can vary depending on your unique situation. Simply use the quick form below to receive FREE and accurate rate quotes from a nationwide network of trusted lenders. 10

11. The Highlander Mortgage Difference Quick 30 Second form No SSN required No credit check conducted Your information is kept private Zero Cost Zero Obligation Zero Hassle • • • • • • • 11

12. Refinance Conforming Loans Fixed Rate Mortgage Home Equity Loans Purchase-Money Second Liens StandardARMs and HybridARMs Conventional Loans FHALoans • • • • • • • 12

13. FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. FHA loans are an attractive option, especially for first-time homeowners  Generally easier to qualify for than conventional loans.  Lower down payment requirements.  Lower closing costs than conventional loans. 13

14. Purchase-Money Second Liens Home Equity Loans are also known as “cash-out refinance” loans, and in Texas they are also referred to as “Texas cash-outs” or a “Texas A(6)”, referring to the article of the law that governs mortgages in Texas. Texas, there are many onerous rules that govern a home equity loan on a primary resdence and make it unique to other states • In 14

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