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FHA guidelines offer opportunities for qualifed borrowers. These opportunities include:

• Down payments as low as 3.5% 1 • Gift funds allowed • Fixed- and adjustable-rate loans available • Competitive rates

You could go from home shopper to homebuyer with an FHA loan from Bank of America.

Call me today to learn more.

Billy Bledsoe

Mortgage Loan Officer NMLS ID: 589213 336.783.8281

billy.bledsoe@bankofamerica.com

In addition, many Bank of America mortgage loans can include an optional loan protection feature called Borrowers Protection Plan®. This feature can help you protect your most valuable asset from sudden income losses resulting from involuntary unemployment, disability, hospitalization and loss of life, by cancelling monthly principal and interest payments for a period of up to six months should a protected event occur. Ask about the frst-year, no-cost Borrowers Protection Plan offer on select loans for a single borrower, or the discounted offer for the frst year for co-borrowers. 2

1 Minimum credit scores apply. Not all applicants will qualify.

2 Important Information about Borrowers Protection Plan: Borrowers Protection Plan is available on many Bank of America frst mortgages used for home purchase and home equity loans, less than $500,000. Optional Product: The purchase of Borrowers Protection Plan is optional. Whether or not you purchase Borrowers Protection Plan will not affect your application for credit or the terms of any existing credit agreement you have with Bank of America. Additional Disclosures: Additional information will be provided before you are required to pay for Borrowers Protection Plan. This information will include a copy of the Addendum, which is the contract containing the terms of the Borrowers Protection Plan. Eligibility Requirements. Conditions and Exclusions: There are eligibility requirements, conditions and exclusions that may prevent you from receiving benefts under Borrowers Protection Plan. You should carefully review the Addendum for a full explanation of the terms of Borrowers Protection Plan. Borrowers Protection Plan is not available for all loan types or amounts.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. Equal Housing Lender. ©2010 Bank of America Corporation. ARE3Q1C2 00-62-1627D 01-2011

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Page 49 - Surry_Aug11

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