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Dear Customers, Family and Friends:

As we settle into the new year, I’d like to advise you of two new loan programs we now offer and remind you of some important approaching deadlines. 

10-Year Fixed Rate Loan
If you like our 15-Year Fixed Rate loan, you’re going to love our new 10-Year Fixed Rate loan. This fully-amortizing loan is ideal for borrowers who have paid down a substantial portion of their mortgage and want to refinance the balance. Currently priced at 3.875% and zero points, the rate is lower than any other fixed rate product and the savings over the remaining term of your loan can be substantial. Run your loan scenario and calculate your potential savings at www.aimloan.com/10year.

40-Year Fixed Rate Loan
At the other end of the spectrum, we’ve added a 40-Year Fixed Rate loan. By amortizing over 40 years, the monthly payment is lowered to help homebuyers qualify. This program can be a lifesaver for homebuyers with tight debt-to-income ratios. Compare payments for all our fixed rate terms at www.aimloan.com/40year.

Homebuyer Tax Credits
To take advantage of the stimulus package homebuyer tax credits, you must enter into a binding contract to purchase a primary residence by April 30, 2010, and close by June 30, 2010. Buyers who have not owned and lived in their primary residence for the past three years are eligible for a tax credit up to $8,000. Buyers who have owned and lived in the same primary residence for five of the past eight years are eligible for a tax credit of up to $6,500. Certain restrictions apply, so consult your tax advisor. For more information, visit: www.aimloan.com/taxcredit.

125% Refinancing Option
Please help spread the word about the Home Affordable Refinance Program (HARP). While there has been much publicity about programs designed to help homeowners in risk of default, there has been very little written about this program, designed for homeowners who continue to pay their mortgage on time, but whose property values have fallen through no fault of their own.

The program allows for the refinancing of mortgages with balances up to 125% of a home’s value. If the existing mortgage does not have Private Mortgage Insurance (PMI), the new loan will not require PMI. If the existing mortgage has PMI, the policy will transfer to the new loan. Primary residences, second homes and rental properties are all eligible.

I have submitted an Op-Ed piece to the major newspapers throughout the country in hopes of raising awareness of this program. View the Op-Ed piece at www.aimloan.com/oped.

Community Involvement
We are pleased to announce the results of our 4th Quarter 2009 Community Service Campaign which resulted in a donation of $31,680 to the Susan G. Komen Foundation.  The associates of AimLoan.com have selected New Life For Haiti as the recipient of our 1st Quarter 2010 Campaign.  Learn more at www.aimloan.com/community.

Lowest Rates per Wall Street Journal
Since our last newsletter, AimLoan.com has been featured twice in the Wall Street Journal. We’re very proud to be recognized by this independent source for having some of the lowest rates in the country. View publications at www.aimloan.com/wsj.  

March 2010 marks the 12 year anniversary of AimLoan.com. We have funded over $6 billion in mortgages to 23,000 individuals and families throughout the country. This success is the direct result of the dedication and support of our associates and customers. I humbly thank you for believing in and supporting our business model and mission.  

Sincerely,

Vince Kasperick
Founder and President
AimLoan.com

P.S. If you found this quarterly newsletter to be informative, please forward it on to others you know.  Friends can sign up at www.aimloan.com/newsletter.