GuidingYourMortgage

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

Text 'Apply' to (703)508-4783 for an application Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly

To apply, text ‘Apply’ to (703)508-4783 Learn Mortgage in an Hour with my First 45 Episodes (written out below) My name is Ben Casper and I’ve put together a short educational experience for you to fully understand how to navigate the mortgage process in only an hour or less. As a mortgage loan officer, these are the things I would want to know if I didn’t know anything myself. So please, be my guest, and empower yourself with the critical required information needed to make the best possible choices for you, your family, and your finances that will affect you for decades to come. Follow Me Everywhere TikTok = @GuidingYourMortgage Instagram = @GuidingYourMortgage Facebook = www.Facebook.com/Ben-Casper-NMLS-1607736-Movement-Mortgage-106042428663734/ LinkedIn = www.linkedin.com/in/ben-casper-b85785226/ ***GUIDING YOUR MORTGAGE EPISODE LIST*** Intro = Welcome to Guiding Your Mortgage PART 1 = Qualifying & Applying Episode 1 = How to Qualify E2 = How and When do I Apply E3 = The Prequalification Letter E4 = The Credit Pull E5 = Fannie Mae & Freddie Mac E6 = Identity Requirements E7 = Minimum Down Payments E8 = Myth of 20% Down E9 = Mortgage Insurance E10 = Acceptable Down Payment Sources E11 = Gift Rules E12 = Debt to Income Ratio E13 = Qualifying Income Types E14 = New Jobs and Job Gaps E15 = How Credit Is Calculated E16 = How Much Credit History is Required E17 = The Two Credit Scores E18 = Putting Mom on the Loan – Co-Signers PART 2 = Buying Your Home E19 = Where the Interest Goes E20 = Closing Costs E21 = Closing Costs to Buy vs. Sell E22 = Escrow Accounts E23 = Needed Documents E24 = Underwriting and the Housing Crash Impacts E25 = Seasonality E26 = Making Offers E27 = Strong Offers E28 = What Are Contingencies E29 = Contract Day to Closing Day Timeline E30 = Locking the Rate E31 = Appraisal Results E32 = Appraisal Waivers E33 = Who Does My Appraisal E34 = Closing Day Money Exchange PART 3 = Post-Closing & Finances E35 = After Closing Day E36 = Payment Plans E37 = Paying Extra Each Month E38 = Recasting – Trading Cash for Cashflow E39 = Customizing Your Rate with Points & ARMs E40 = How Long do People Stay in a Mortgage E41 = 3 Net Worth Levers E42 = Tax Deductibility E43 = How Never Paying Off a Mortgage Could Work Well E44 = Why & How Can I Refinance Later E45 = Advantages of Being a Landlord PART 4 (Optional) = Main Non-Conventional Loan Types E46 = Veterans Administration (VA) Loans E47 = FHA Loans E48 = Jumbo Loans BONUS EPISODES To be added weekly