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LENDER BENEFITS

1. Repeat Customer Base (Average agreement is between 3 and 7 years)

2. Realize a Safer Loan-To-Value Ratio (70% to 80% LTV versus 100% LTV for the same loan)

3. Loan Security with Investor Backup (Lender's own PMI. Investor can step in and protect his/her investment)

4. Loan Stability (Both parties may opt to be on loan)

5. Specialized Corner of the Market (Little competition)

6. Service Large Blocks of Loans (Such as entire subdivision projects)

7. National Referral Source (FRENDCO receives requests from buyers and sellers nationally)

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DOWN PAYMENT ASSISTANCE

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