At Somerset, we believe that with the right tools - information, power and flexibility - getting through the mortgage process can be done smoothly and with confidence. Our knowledgeable, dedicated specialists are the best in the business. They will work with you to explore your financing options and answer all of your questions. And as a Somerset customer, you can be assured that our specialists will be available to assist you every step of the way through the mortgage process. How We Help After You Get Your Loan with Us After your loan closing, we are always eager to answer any questions you encounter as you make the transition to your new lender. All of our lenders offer 24-hour availability of automatic information either through their online websites or by telephone on: • Payment Options & Payment Posting • Loan Balance • Tax Information • Insurance Information • Escrow Analysis Options that Lead to the Right Solutions Whether it's a first home, an investment property, new construction or refinancing... competitive rates and flexible lending terms offered by Somerset ensure just the right mortgage solution for your particular situation. Somerset maintains one of the broadest product arrays available in the marketplace, including many options in fixed, adjustable, affordable and jumbo loans. Somerset also has special programs for low down payments, FHA/VA loans, less-than-perfect credit, debt consolidation, and other unique needs. While we work with you to tailor a mortgage solution to your needs, our most popular product offerings include: Fixed-Rate Mortgages: 40-Year Fixed Rate 30-Year Fixed Rate 25-Year Fixed Rate 20-Year Fixed Rate 15-Year Fixed Rate 10-Year Fixed Rate 5-Year Fixed Rate Balloon 7-Year Fixed Rate Balloon Adjustable-Rate Mortgages (ARMs): Short Term 1-Month, 6-Month, 1-Year ARM Longer Term 3/1, 5/1, 7/1, 10/1 ARMS Interest Only feature available on both fixed rate loans and adjustable rate loans. In addition, Somerset offers: • VA loans • FHA loans • Community Home Buyer Program loans, providing the extra convenience of:     --low down payments     --flexible qualifying guidelines     --subsidies for closing costs and prepaid items • Special programs for less-than-perfect credit and other unique needs • Lot Loans, Construction-Permanent Loans, Home Equity Loans You can download a Conventional Loan Application, an FHA Loan Application, or a VA Loan Application by clicking one of the links below. Conventional Loan Application FHA Loan Application VA Loan Application Note: You will need Adobe Acrobat Reader on your computer to open these files. If you do not have Adobe Acrobat Reader, please click on the button below. At Somerset, our mortgage specialists can also work with customers to arrange: • pre-approvals • extended rate locks for up to 360 days

Somerset Mortgage Corporation 300 Main Street, Suite 301 St. Simons Island, GA 31522 912-638-2020 • Fax: 912-638-6868 • Toll Free: 866-638-2020 Email us for more information! Home • Services • Credit Report Info • Payment Calculator • Maximum Loan Programs Jumbo / Super Jumbo • Download Loan Application • Other Links

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