ENVOY MORTGAGE If you are buying or in a home, that needs a little TLC, a typical fixed-rate mortgage isn't going to help you pay for repairs. Envoy Mortgage's Renovation Mortgages allows you to roll the cost of repairs and renovations into the same loan as the home value. The total renovation mortgage is based on the after-improved value of the home once the upgrades are completed. That differs from a home equity loan. Whether you need a new roof or your kitchen is outdated there is a mortgage that's right for your fixer-upper. If you have or are getting a VA loan, Envoy Mortgage also offers an Energy Efficient Mortgage (EEM). With the EEM you can roll up to $6,000 of cost (AC, Windows...) into the loan Again, this can easily be done with a purchase or VA refinance. STEVE OESTERLE Sales Manager NMLS: 653814 Direct: (520) 612-0479 steveo@envoymortgage.com www.envoymortgage.com 210 W. Continental Road #132 Green Valley, AZ 85622 This is not a commitment to lend | Envoy Mortgoge, Ltd- NMLS 6666 1 AZ- Ervoy Mortgage, LP.-Mortgage Banker ucensee-uicense 0908095 www envoymortgage com 1 l 07272018