Benchmark Home Loans. SERVING THE CONTINENTAL USA Our portfolio of products is wide-ranging. Large, full-service Mortgage Bankers, we have a warehouse capacity of $130 million monthly which we can double as required. New News! : JUMBO LIMITS RAISED to $729,750 ! HR 5140 California, Washington DC, Miami more... 200+ banks and investors Nationally Licensed Lending Member of Dallas 100 US - Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Dallas Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming IN Contact Benchmark. Lending is about you and your home or business purchase. Whether you are purchasing a home or business or simply want to refinance, we are more than willing to help you. Feel free to email us or better yet, just give us a call! 423-943-7697 Continental U.S.A.

Chris Gewelke Benchmark Mortgage Manager Continental USA California Tennessee Texas Florida Phone: 423-943-7697 Fax: 423-342-4333 Email Chris

Welcome aboard Kathryn Hipshire!

Our portfolio of products is wide-ranging. As large, full-service Mortgage Bankers and lending, we have a warehouse capacity of $130 million monthly which we can double as required. This allows Benchmark Mortgage to fund deals other brokers cannot entertain. And we typically offer lower pricing than can be obtained by borrowers going directly to these lenders. In addition to our direct lending we are approved with 200+ other banks and investors. We have direct access to all FNMA, FHMA, HUD and VA programs. Indeed, Benchmark is a "Full Eagle" Title II Non-Supervised FHA lender and a VA LAPP approved lender. We offer popular OptionARM's on our in-house banked line, featuring 1.00% start rates on loans up to $6 million. We also fund super Jumbo's and a variety of subprime loans including 100% loans to a 580 credit score with no MI and 95% LTV loans with no documentation. We're experts with Lending, Purchases, Refi's, One-Time Close Construction Loans, Home Improvement loans, 2nds, Investment Property loans, Debt Consolidation loans, Stated Income and Damaged Credit loans.

We invite your inquiry. Contact us today and begin to experience the difference Benchmark Mortgage can make in your life!

Continental USA Contact: Mortgage Professionals: Chris Gewelke 423-943-7697 112 W. Springbrook Dr. Johnson City, TN 37604

A full-service Mortgage Banker as well as Broker, Benchmark was founded in 1999 as an affiliation of mortgage professionals. We're Dallas-based and support 227 branches nationwide. We are licensed in 29 states with applications in process in numerous other states. We anticipate licensure in all 51 jurisdictions in the fall of 2005. We maintain an excellent reputation for closing loans in a timely and professional manner. Our company is founded on customer centricity and service that exceeds the expectations of our valued Branch Partners and their clients. We are growing rapidly and desire to become one of the premier mortgage companies in America.