Financing Reference Guide

• Owner-occupied primary or secondary homes

• Single-family residences

• Investment properties

• Multi-family residences (up to 4 units)

• Townhomes or rowhomes

• Non-owner but lives at residence and can show proof of residency with utility bill (up to $50,000)

• Mobile or manufactured homes

• Must own the land and have a fixed foundation

• No pre-payment penalty

• First payment due -30 days after funding. If using multi-draw, payment due 90 days after first draw.

• No lien placed on the property; Lender reserves the right to file UCC-1

• Primary credit bureau - Experian

• Prime loan approvals as low as $2,500 and up to $100,000 and up to 15-year loan terms

• Home improvement Sunlight Maxx™ approvals for near prime customers up to $22,500 and up to 10-year loan terms

• Annual household income (total yearly household income for all occupants)

• No "hard hit" to credit until home improvement first payment request.

• If additional information is needed to finalize the borrower's loan, Sunlight will reach out to the borrower directly to collect documentation

• Some borrowers ages 18-69 will receive a welcome call

• All borrowers ages 70-80 will receive a welcome call

• All borrowers ages 80+ will be required to verify their understanding of the loan after loan documents are signed. Sunlight will make a welcome call, but if the borrower misses that call, they can contact Sunlight's support team to verify the terms of the loan.

• Once the contractor requests funding, the borrower will receive an email and text message (if opted in) to approve the loan amount

Phone: 888-850-3359

Email: lnfo@sunlightfinancial.com