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Path Program 2023

DeKalb County GA Housing Opportunities

Path Program • Low to Moderate Census Tract • Greater than 49.1% minority • Income less than 77k • Credit score 640 • Minimum of 4 tradelines • Can own no other real estate at closing • Housing ratio 31-35% of gross monthly income • Total debt 43% of gross monthly income

Market Conditions—What Borrowers do not have control over 6 • Low inventory—Atlanta is a strong market • Purchase Price • Interest Rate • Property taxes • Insurance • Inflation • Closing costs • Rising Rental Rates

Market Conditions—What Borrowers can control 7 • Income - We have to have 2 years of continuous employment, no more than 30 day job gap - Additional income—must have 2 year’s continuous history to be used • Credit score - We can do lending at 600, but greater opportunities at 640 score • Savings - Need earnest money, inspection, and appraisal at a minimum

Loan Features • Conventional Loan • No Private Mortgage Insurance • Rate cheaper than regular Conventional • .25 discount if you open bank account and have auto pay • Make payments at the bank • Can be layered with Uadvantage—down payment assistance

Path Homes in DeKalb County 3/3/23 • 547 Rosemont DR Decatur GA 30032 $409,900 3 • 1851 Meadow LN Decatur GA 30032 $469,900 4 • 2495 Marsh Rabbit BND Decatur GA 30035 $359,900 5 • 1770 Atherton DR Decatur GA 30035 $135,000 7 • 722 Avondale Hills Drive T4 Decatur GA 30032 $549,000 5 • 2105 Barbara LN Decatur GA 30032 $315,900 7 • 3383 Glenwood RD Decatur GA 30032 $480,000 7 • 1807 W Austin Road Decatur GA 30032 $220,000 3 • 3024 Monterey Drive Decatur GA 30032 $199,999 2 • 1836 Rosewood RD Decatur GA 30032 $324,500 2 • 2561 Glenrock DR Decatur GA 30032 $269,000 5 • 1938 Willa DR Decatur GA 30032 $400,000 2 • 3789 CONLEY DOWNS Lane Decatur GA 30034 $249,900 7 • 4225 Lindsey Decatur GA 30035 $265,000 7 • 3335 Waldrop Trail Decatur GA 30034 $225,000 4 • 2619 Flat Shoals Rd Decatur GA 30034 $449,900 7 • 3676 Kings Park WAY Decatur GA 30034 $350,000 7 • 1742 Briarlake Decatur GA 30033 $549,900 4 • 3031 Wilson Road Decatur GA 30033 $300,000 4 • 3763 Wake Forest RD Decatur GA 30034 $330,000 5 • 3555 Hancock View Decatur GA 30034 $359,900 6 • 3624 Concordia RD Decatur GA 30034 $327,000 3 • 3254 Strawberry Lane Decatur GA 30034 $111,500 7 9

Path Homes in DeKalb County 3/3/23 • 1732 Redan E LithoniaGA 30058 $249,900 7 • 3454 Fannin Drive LithoniaGA 30038 $258,900 7 • 1833 Cutters Mill LithoniaGA 30058 $273,000 4 • 1038 Leslie PL LithoniaGA 30058 $310,000 4 • 7060 Dean CT LithoniaGA 30058 $169,500 6 • 1762 BOULDER CV LithoniaGA 30058 $299,000 7 • 3443 Fox Hound Run LithoniaGA 30038 $415,000 7 • 4490 Latchwood DR LithoniaGA 30038 $139,900 3 • 6747 Chaparral Drive LithoniaGA 30038 $284,888 7 10

Path Homes in DeKalb County 3/3/23 • 1065 Second Street Stone Mountain GA 30083 $165,000 6 • 989 Carlisle RD Stone Mountain GA 30083 $229,900 4 • 4813 Banner Elk DR Stone Mountain GA 30083 $142,900 4 • 5149 Madeline PL Stone Mountain GA 30083 $285,000 7 • 768 Arbor Hill DR Stone Mountain GA 30088 $305,000 4 • 5439 Highfield DR Stone Mountain GA 30088 $68,000 7 • 5119 Leland DR Stone Mountain GA 30083 $295,000 2 • 3647 Rockbridge Road Stone Mountain GA 30083 $359,000 1 • 1697 Grandeus Lane Stone Mountain GA 30087 $345,000 2 • 3461 Lakeview Creek 218 Stonecrest GA 30038 $289,990 6 • 3469 Lakeview Creek 222 Stonecrest GA 30038 $299,990 7 11

Credit Features • Follow conventional/FHA guidelines • Cannot have any collections in the last 12 months • Student loans can be income based payment plans or .5% of outstanding loan amount • Bankruptcy 2 years discharged with re-established credit • Can use Non-traditional credit to strengthen file—i.e. car insurance, rental payments, utilities, cell phone bills etc.

Rent VS Own 13

Interest Rate 14

Documents Needed for Preapproval—No Screenshots! 15 • 30 days paystubs • 2 years w2s or tax returns • 2 months bank statements • HR contact for Verification of Employment • Landlord contact for Verification • Copy of Driver’s License - If you need assistance with getting the documents, please contact your Loan Officer

Next Steps 16 • If you are interested in the program, please contact me below Jennine M. Hunter, MBA |Assistant Vice President| Community Mortgage Lending Specialist | NMLS # 1780411 United Community Mortgage Services | 1000 HWY 138 SE | Conyers, Georgia 30013 Contact | Office 678-342-6029 | Mobile 317-529-5393| EFax 678-348-7577 Website: www.loansbyjenninehunter.com Email: jennine_hunter@ucbi.com Application: https://www.ucbi.com/team/jennine-hunter/ To set an appointment: https://calendly.com/jenninehunter/mortgage-preapplication-consultation At United, we build Community one homeowner at a time!

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