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Each individual has different goals and we intend to listen. This may sound easy but it is not. We all have been in the situation where we want to buy something but we simply don’t think the sales person is listening. All they want to do is sell you a product or service. When it comes to a mortgage it is more than just buying a house, or saving money, or gaining financial security. It is almost always more. We want to hear about any goals or concerns you have. Tell us about the graduating high school senior ready for college, or the parent who is moving in soon, or the impending relocation in two years, or impending retirement, or a growing family, or any other events in your life. We want to take them into consideration. We wish we could offer you a comprehensive list of life goals that are affected by the debt structure and mortgage loans you select. No list exists, so we will list some of the important goals that you should consider telling Steel Blue 1 when you search for a mortgage. Here is our current list and we will be adding to it as individuals like yourself tell us about others. ¨ Want to buy a significantly bigger house in 5 to 15 years. ¨ Want to move to a better school district in 1 to 5 years. ¨ Want to increase home equity at a rate 2 to 4 times faster than normal. ¨ Will need to relocate out of the area in 1 to 5 years. ¨ Need to get cash out of your current home and still refinance. ¨ Don’t want to rent but don’t have closing cost money. ¨ Have children who will be going to college or other schooling in 1 to 18 years. ¨ Expect to have a parent live with them and want a means to plan for it. ¨ Want to purchase a vacation home. ¨ Want to make a major purchase, boat, motorhome, swimming pool, etc. ¨ Need retirement income in the future or even right now. ¨ Want to be debt free by retirement age. ¨ Want to maximize the investment in your home. ¨ Want to have additional resources to invest in other places than your home. ¨ And all the other significant events in your life! We would like to know about these goals before we make mortgage loan proposals. We will help you work the numbers to make the decision that is right for you. |

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“Your Goals Matter” Thinking |

