Welcome to the very first edition of XM LOANS Ltd. monthly newsletter “The Mortgage Optimizer” which will address topical issues regarding Mortgages and Home Ownership. The goal of this newsletter is to inform and educate readers about their rights, and options as it relates to their goal of home ownership or their existing mortgage loan.

We encourage you to write us with any concerns or experiences you may have had and we’ll be delighted to either share your story or if possible, seek to assist you with the concerns you may have.

So enjoy, and feel free to give us your feedback as it’s gladly welcomed!

A new way to Mortgage, RIGHT NOW!

Why should you have to wait until a bank has opened their doors to know if you can qualify for your home? What makes their time so much more valuable than yours?

XM LOANS Ltd. recognizes that your time is very important to you and accordingly has made the mortgage qualification process available to you 24 hours per day, 7 days per week, 365 days per year through our automated online process at www.xmloans.com.

A mortgage is likely to be the single largest investment you will make in your lifetime. Considering the magnitude of this undertaking, we believe that you should be afforded every courtesy available. Our XM Loans mortgage specialist spare no effort in ensuring that this process is as hassle free as possible for each client. Starting with our “all day, everyday” mortgage services all the way to our superior customer service, we strive to ensure that our appreciation of your business will be felt throughout the entire process of getting your mortgage.

Our ultimate goal is to provide you with multiple approvals for your Mortgage Loan, placing you in a position to choose who you give your business to, based on who’s offering the BEST RATES and BEST TERMS. We are here whenever you need us….“Real Solutions, Real Time©!”

From the President’s desk….

Troy Sampson, President & CEO

After over five years with another Mortgage Brokerage Company, I am pleased to begin my new role as the President and CEO of XM LOANS Ltd., the regions’most advanced and progressive Mortgage Brokerage Platform.

As we say on our web site,“Our goal is a never-ending quest to find a better way to provide our clients with quick and easy mortgage qualifications. If our process is good, we want to make it great. If it's great, we want to take it to an even higher level. We won’t settle for less. In fact, we won't settle at all. Finding the best and fastest way is not something we only think or talk about doing. Instead, it's the primary job for every single person who works here. It's our passion…the way we work…it is simply our obsession”.

Beyond our state of the art technology and unlimited access for you; what makes us unique is our commitment to client Service Excellence. We view our personalized approach to serving you as our greatest asset! Yes, you can be qualified in less than two (2) minutes after the submission of your application. And yes, you have access to our services “all day everyday”, but unless we are able to win your loyalty and confidence in our ability to get you the best Mortgage in the market, we do not believe our job is complete.

XM Loans, as you will experience, is driven by a commitment to excellence and a passion for empowering the individual. Given the enormous returns being generated by lenders, I am persuaded that you and I deserve more in the area of customer service and appreciation for our patronage; And that’s not just in regards to lending institutions, but any company that you give your business to, including XM Loans.

Home ownership and one’s ability to accomplish it is directly related to your desire, knowledge, planning, preparation and discipline. During the coming months, I will be writing with those specific themes in mind, after all an informed consumer is an empowered consumer. It is with an abundance of pride therefore, that I formally introduce you to XM LOANS Ltd. where you are provided with…. “Real Solutions, Real Time©!”

Your monthly mortgage tip!

Homeowners

Okay, so you’ve decided that this will be the year you become a home owner. So off you go to your realtor, placing your down payment on that fabulous hill top lot. Next up is your architect; You instruct him to draw plans for your split level, 4 bed, 2 ½ bath dream home and needless to say, his professional services do not come cheap.

Now that you have invested yourself emotionally and financially in the process you now have the task of trying to get a mortgage to see your dream become a reality.

Sounds like a typical approach to home ownership right? But nothing could be further from correct than what is described above. In my over than 15 years in Banking and Mortgage Brokerage, I have seen person after person make the mistake of starting their home ownership process in the middle of the process instead of at the beginning. Unfortunately, lots of money is wasted and lost as a result of the lack of knowledge on the part of the potential home owner.

So, “Where do I start?” you ask. Well, as in almost everything in life, you want to start at the beginning. The beginning for a well prepared, planned and disciplined mortgage client is in finding out How Much Mortgage you can afford. Visit us at www.xmloans.com to apply now!

You wonder to yourself, “Why is this important?” This information is important because it allows you to move forward with an affordable budget in mind. Remember! An informed consumer is an empowered consumer. Despite your dreams of Lyford Cay, if your budget only allows Cable Beach, then that is where you should look for your lot. Likewise, if your budget can only accommodate a 2,000 square foot home, then that’s what you should instruct your architect to draw. 2,000 sq. ft. and not a foot more. Now you have a project that fits nicely in your budget making your mortgage process a mere formality.

START AT THE BEGINNING – FIND OUT HOW MUCH YOU CAN AFFORD!

1(242) 225-3873 or 1(800) 303-3934
www.xmloans.com

This email was sent by XM LOANS Ltd, 404 Bay Street, PO Box N-4443, Nassau, Bahamas. You are receiving the email because you are a colleague or affiliate of XM LOANS Ltd. If you wish to be removed from the mailing list, please email newsletter@xmloans.com with "UNSUBSCRIBE" in the subject.