Credit Agencies used in conjunction with your mortgage application (Equifax, Experian, Innovis and Transunion) often sell your information for marketing purposes. This can include credit card companies and other mortgage lenders. You have a right to opt-out of this marketing; to complete the opt-out please follow these steps:

1. Go to optoutprescreen.com
2. Click the Click here to opt-in or opt-out button
3. Select Electronic Opt-Out for 5 years or Permanent Opt-Out by Mail and click Continue
4. Enter the required information and click Confirm

Scenarios for Different Uses:

1. ONE
   Under contract to purchase a new property but the existing home has not yet sold. Equity from departing residence is the cash needed to close on the new house.
2. TWO
   Under contract to purchase a new property and cannot qualify for standard purchase financing carrying the debt of the current residence. FSMC provides temporary purchase-money financing with no qualifying ratios.
3. THREE
   Downsizing to a smaller property or assisted living home, and does not want or qualify for permanent financing.
4. FOUR
   Under contract to purchase property in need of renovation.