Shannon Gardner 5452179-SA00 Utah Phone (435) 619-2706 Fax (435) 628-4071 Toll Free (800) 206-1003 E-Mail Me RE/MAX First Realty 1224 South River Rd. Suite A-200 Saint George, UT 84790 Different Types of Loans • • • Refinancing • • • Closing Costs • • • Length of Your Mortgage • • • Saving for the Down Payment • • • Leveraging Your Money • • • How Mortgage Loans Work • • • When To Pay Points • • • Adjustable-Rate Mortgages • • • How Much Can You Afford? • • • Getting Your Finances in Order • • • Your Credit History • • • Mortgage Glossary • • • Free CMA Request • • • Neighborhood Information • • • Free Moving Quote • • •

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