What BBVA Compass

Offers Realtors

Presented By: Cindy Tuttle, CMPS

You’re committed to helping your clients realize the dream of home ownership – or purchase the home of their dreams. At BBVA Compass, we not only share your commitment, but we have the expertise and the mortgage options to close deals – and open doors.

We’ve got the mortgage financing options to meet your clients’ mortgage needs.

At BBVA Compass we offer special home financing programs with the customer in mind.

• First Time Home Buyer Program• Professional Program • Home Care Program

Very few lenders offer these same type programs.

Plus we offer conventional and jumbo programs with a variety of terms and competitive rates. We also offer FHA and VA mortgage financing.

First Time Home Buyer Program

Our First Time Home Buyer Mortgage makes buying the first home affordable.

• Fixed rate program• First mortgage payment not due for 3 months1

• Low down payment options2

• Mortgage insurance is not required• No lender fees, including no origination fee, no processing fee

and no underwriting fees

*First Time Home Buyer Mortgage: This product is limited to first time home buyers, purchasing a detached single family residence only.(1) The first regularly scheduled payment on the loan will not be scheduled to occur for at least three months following closing. Interest between the closing date and the end of the month in which closing occurs will be collected at closing. The first three months’ escrow payments will also be collected at closing. Interest on the loan accruing from the end of the closing month to 30 days prior to the first scheduled payment will be waived. The loan maturity date will incorporate the amortization of 360 payments beginning with the first scheduled payment date. Because of the interest waiver, tax deductibility may be reduced. The interest rate on this product may be higher than mortgage loans with origination fees and earlier maturities. See application documents for additional details. (2) To qualify for a low down payment, a financial management presentation must be completed online in addition to meeting underwriting requirements. In the event that the financial management presentation is not completed, or the bank determines that the underwriting requirements are not met, they reserve the right to increase the down payment requirement, or decline the loan.

All loans subject to eligibility, loan program requirements and approval, including credit approval. BBVA Compass is a trade name of Compass Bank, Member FDIC.

Professional Program

Special home financing program help professionals purchase a home with no down payment and no mortgage insurance.

• Eligible borrowers include physicians, attorneys, CPAs and dentists

• Financing up to $1,000,000 with no down payment

• Eligible properties include single family homes, townhomes, lofts and condominiums

• Private mortgage insurance is not required – save thousands over the life of the loan

• Refinances with high loan-to-values are also available

Home Care Program

• Eligible borrowers include certified teachers, school administrator, law enforcement officer, firefighter, health care professionals including nurse, pharmacist and medical technician

• Financing available for nearly the entire purchase price of the home

• No private mortgage insurance• Less restrictive qualification requirements• Personal savings, gift funds from a relative or BBVA

Compass approved assistance program, or contributions from the seller, builder or other interested party may be accepted for closing costs and pre-paids

Home Care Program, continued

Ideal for first time home buyers.

• Eliminate the need for borrowers to have a large amount of cash saved up for a down payment

• Available for single family residences and condos.• Available for purchase or rate/term refinance.• Eligible properties include single-family homes or non-

warrantable condominiums.• Owner-occupied properties only.

Materials Available for RealtorsOpen House Flyers

For demonstration only, we can offer a variety of customized flyers comparing and highlighting our product solutions.

Why BBVA Compass?

BBVA Compass has maintained strong growth with prudent credit risks standards, with limited exposure to the riskier, more leveraged assets that are causing so many of the problems making headlines today.

Count on BBVA Compass. • BBVA Compass is a leading U.S. banking franchise located in the Sunbelt region that

operates over 715 branches. BBVA Compass is the 15th largest U.S. commercial bank, based on deposit market share.

• BBVA is a global financial services group with approximately $760 billion in total assets, 48 million clients, 7,400 branches and approximately 105,000 employees in more than 30 countries.

• BBVA has been serving communities around the world for 150 years, and the United States for more than 30 years.

• BBVA ranks amongst the top 20 largest financial institutions in the world based on market capitalization and 21st in Global Finance magazine’s list of the “World’s 50 Safest Banks” for 2010.

• We provide our customers with a full range of financial services, including commercial and wholesale banking, retail banking services, consumer loans, mortgages, credit cards, securities brokerage, wealth management, pension plan management and insurance.

• BBVA Compass offers innovative and industry-leading products and services with a focus on providing customers with financial solutions to fit their lives.

At BBVA Compass we develop banking built around the customerThe Savings Challenge

A customer can spend a few minutes with a branch associate and take the BBVA Compass Savings Challenge. Using the BBVA Compass Savings Wizard, we compare current monthly payments and interest rates with BBVA Compass products to estimate how much the customer could potentially save.

Questions?For more information on BBVA Compass’ vast range of mortgage financing solutions, please contact me:

Cindy Tuttle, CMPSMortgage Banking Officer

Direct: 512.431.9965Fax: 877.411.3752Email: cindy.tuttle @bbvacompass.comApply on line @ www.bbvaccompass.com/mortgages/ctuttle

All loans subject to eligibility, loan program requirements and approval, including credit approval. BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.