GuidingYourMortgage

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

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

There are multiple entities working on getting you to closing, thus there will be multiple closing costs paid to those parties. Here they are. 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

This is very important to know- this means that you can't just lower the rate in the future by waving a magic wand. Fannie/Freddie/VA/FHA loans have all contracted out the funding elsewhere (to get you that low rate in the first place) which ties their hands. 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

If you don't have enough income to qualify, you can add someone to the loan who won't actually be living in the home. 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

The credit score that you see for yourself online may not be the credit score that you'll get for the mortgage. There are two, and this causes much confusion. 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

You might not be thinking this 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

These are the main categories of factors that make up your credit score. 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

Not all new jobs will allow some or all of the income to qualify right away. Job gaps leading up to that may complicate that. 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

Not all of the sources of income you make are qualifiable towards being able to satisfy your loan payment. Some of them may need more time before they qualify, some will qualify right away, and some will never qualify. 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

This is the maybe the most crucial measurement in determining whether or not someone qualifies. This compares your income to the monthly payments you have to make. 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