<p class="MsoNormal"><span style="font-size:11.0pt;font-family:">Great news--the Administration's Home Affordable Refinance Program <span style="background:yellow;mso-highlight:yellow">(HARP) 2.0 has been expanded, </span><span style="background:yellow;mso-highlight:yellow">allowing more homeowners to refinance their mortgage to take advantage of historically low interest rates.</span> <o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">You may be eligible. Contact us today at 208-228-5663 to learn how you could benefit from HARP.<o:p></o:p></span></p><p class="MsoNormal"><span style="mso-bidi-font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:14.0pt;mso-bidi-font-size:10.0pt;font-family:">Mortgage Relief for Homeowners "Underwater" on their Mortgages <o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:6.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">If you are "underwater" on your home (meaning you owe more than your home is worth), the recent HARP changes were designed specifically to help homeowners like you refinance your existing mortgage--and it's the primary refinance option currently available for homeowners in this situation. <o:p></o:p></span></p><p class="MsoNormal"><span style="mso-bidi-font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:14.0pt;mso-bidi-font-size:10.0pt;font-family:">Take Advantage of Low Interest Rates and Other Benefits</span><span style="font-size:14.0pt;mso-bidi-font-size:10.0pt;font-family:"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:6.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">Many homeowners have been unable to refinance to get a lower rate. But now there's help with HARP-not only could you lower your interest rate, you may also lower your monthly payment and/or shorten the term of your mortgage and possibly improve your financial situation.<o:p></o:p></span></p><p class="MsoNormal"><span style="mso-bidi-font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:14.0pt;font-family:">We Can Help<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:6.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">As a mortgage lender, we've determined that you may be eligible for HARP. Review the enclosed materials and then call us today at 208-228-5663 to take advantage of this opportunity.<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">Sincerely,<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">Kenneth Dunn nmls# 22644<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:">Idaho Mountain Mortgage, LLc. 950 W Bannock Street. Suite #1100 Boise ID. 83702 nmls # 966573<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:">Enclosures: (1) Frequently Asked Questions about HARP; (2) Understand the Benefits of HARP <o:p></o:p></span></p>

<span new="" style="font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:"><br clear="all" style="mso-special-character:line-break;page-break-before:always" /></span>

<p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/></v:shapetype><v:shape id="Picture_x0020_1" o:spid="_x0000_i1025" type="#_x0000_t75" style='width:462.75pt;height:7.5pt;visibility:visible;mso-wrap-style:square'> <v:imagedata src="file:///C:DOCUME~1KenLOCALS~1Tempmsohtmlclip101clip_image001.png" o:title=""/></v:shape><![endif]--><!--[if !vml]--><img width="617" height="10" alt="" v:shapes="Picture_x0020_1" src="file:///C:/DOCUME~1/Ken/LOCALS~1/Temp/msohtmlclip1/01/clip_image002.gif" /><!--[endif]--></span><span style="font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:">Fannie Mae and Freddie Mac 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 either Fannie Mae or Freddie Mac, 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 either Fannie Mae or Freddie Mac by checking the following Web sites: </span><span style="color:#17365D;mso-themecolor:text2;mso-themeshade:191"><span style="font-size:10.0pt;font-family:">http://fanniemae.com/loanlookup/</span></span><span style="font-size:10.0pt;font-family:"> or http://freddiemac.com/mymortgage.<a name="_GoBack"></a><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:10.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:16.0pt;font-family:">PROGRAM HIGHLIGHTS!<o:p></o:p></span></p><p style="margin-left:1.0in;mso-add-space:auto" class="MsoListParagraphCxSpFirst"><span style="font-size:16.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1"> </span></p><p style="margin-left:58.5pt;mso-add-space:auto;text-indent:-.25in;mso-list:l0 level1 lfo1" class="MsoListParagraphCxSpLast"><!--[if !supportLists]--><span style="font-size:10.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes">No Min FICO Required</span><span style="font-size:10.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes"><o:p></o:p></span></p><p style="margin-left:.5in" class="MsoNormal"><span style="font-family:">No Max LTV on Fixed Rate Loans</span><span style="font-size:10.0pt;font-family:"><o:p></o:p></span></p><p style="margin-left:58.5pt;mso-add-space:auto;text-indent:-.25in;mso-list:l0 level1 lfo1" class="MsoListParagraphCxSpFirst"><!--[if !supportLists]--><span style="font-size:10.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">1 - 4 units O/O!</span><span style="font-size:10.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes"><o:p></o:p></span></p><p style="margin-left:58.5pt;mso-add-space:auto;text-indent:-.25in;mso-list:l0 level1 lfo1" class="MsoListParagraphCxSpMiddle"><!--[if !supportLists]--><span style="font-size:10.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">1 - 4 units NO/O! Investment Property</span><span style="font-size:10.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes"><o:p></o:p></span></p><p style="margin-left:58.5pt;mso-add-space:auto;text-indent:-.25in;mso-list:l0 level1 lfo1" class="MsoListParagraphCxSpLast"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">Second Homes<o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:14.0pt;font-family:">Offering EA Level I -II-III</span><span style="font-size:14.0pt;font-family:"><o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpFirst"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes">No Max LTV!<o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">Subordination of eligible junior liens without a MAX CLTV- all occupancy types!<o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">No Limit on number of financed properties owned!<o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">Manufactured homes OK!<o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpMiddle"><!--[if !supportLists]--><span style="font-size:12.0pt;line-height:115%;font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#4D35B1;mso-no-proof:yes">?<span style="font-size: 7pt; line-height: normal; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;mso-no-proof:yes">Conforming and High Balance!<o:p></o:p></span></p><p style="text-indent:-.25in;mso-list:l1 level1 lfo2" class="MsoListParagraphCxSpLast"><!--[if !supportLists]--><span style="font-family:Symbol;mso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;color:#595959;mso-themecolor:text1;mso-themetint:166;background:yellow;mso-highlight:yellow">?<span style="font-size: 7pt; font-family: 'Times New Roman';"> </span></span><!--[endif]--><span style="font-size:12.0pt;line-height:115%;mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;color:#4D35B1;background:yellow;mso-highlight:yellow;mso-no-proof:yes">No appraisal </span><span style="color:#595959;mso-themecolor:text1;mso-themetint:166;background:yellow;mso-highlight:yellow"><o:p></o:p></span></p><p class="MsoNoSpacing"><span style="color:#595959;mso-themecolor:text1;mso-themetint:166;background:yellow;mso-highlight:yellow"><o:p> </o:p></span></p><p class="MsoNoSpacing"><span style="color:#595959;mso-themecolor:text1;mso-themetint:166;background:yellow;mso-highlight:yellow"><o:p> </o:p></span></p><table cellspacing="0" cellpadding="0" border="1" align="left" style="border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt; mso-table-lspace:9.0pt;margin-left:6.75pt;mso-table-rspace:9.0pt;margin-right: 6.75pt;mso-table-anchor-vertical:paragraph;mso-table-anchor-horizontal:column; mso-table-left:225.0pt;mso-table-top:25.25pt;mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-border-insideh:.5pt solid windowtext;mso-border-insidev:.5pt solid windowtext" class="MsoNormalTable"><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:252.6pt"><td width="297" valign="top" style="width:222.6pt;border:solid windowtext 1.0pt; mso-border-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;height:252.6pt"><p class="MsoNormal"><span style="font-size:14.0pt;color:#595959;mso-themecolor:text1; mso-themetint:166"> </span></p><p class="MsoNormal"><span style="font-size:14.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">Idaho Mountain Mortgage, LLC.</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:14.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">950 W. Bannock Street</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:14.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">Suite # 1100 Boise, Idaho 83702</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">NMLS # 966573</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:11.0pt"> </span></p><p class="MsoNormal"><span lucida="" style="font-size:10.0pt;font-family:"><span style="font-size:12.0pt;font-family:">http://www.idahomountainmortgage.com</span><o:p></o:p></span></p><p class="MsoNormal"><span style="color:windowtext;text-decoration:none;text-underline:none">NMLS# 22644</span><o:p></o:p></p><p class="MsoNormal"><span style="font-size:11.0pt;font-family:"> </span></p><p class="MsoNormal"><span style="font-size:16.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">208-250-5214 </span><span style="font-size:14.0pt;color:windowtext;text-decoration:none; text-underline:none">Cell</span></span><span style="font-size: 14.0pt"><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:16.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">208-228-5663 </span><span style="font-size:14.0pt;color:windowtext;text-decoration:none; text-underline:none">Direct</span><o:p></o:p></span></p><p class="MsoNormal"><span style="font-size:16.0pt"><span style="color:windowtext;text-decoration:none;text-underline:none">208-228-5662 </span><span style="font-size:14.0pt;color:windowtext;text-decoration:none; text-underline:none">Fax</span><o:p></o:p></span></p><p style="margin-left:0in;mso-add-space:auto; mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around; mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column; mso-element-left:225.05pt;mso-element-top:25.25pt;mso-height-rule:exactly" class="MsoListParagraph"><span style="color:#595959;mso-themecolor:text1;mso-themetint:166"> </span></p></td></tr></table>