Mike Chalk         Broker ,  ABR, Major USAFR, Retired Noreen Chalk         Broker , CRS, GRI,  CBR Chalk Team Realty, Inc. 315-622-1111 Teamchalk@aol.com 1-866-44-CHALK www.CHALKTEAM.COM

"Service is our Cornerstone"

BEACON FEDERAL
6311 Court Street Road
P.O. Box 186
East Syracuse, NY 13057
(315)433-0111 / Ext. 1227 / Office
(315)362-6633 / Office Fax
Attn: Dianna M. Bellaire

CHARTER ONE BANK
7541 Oswego Road
Liverpool, NY 13090
(315)652-9814 / Office
(315)652-2418 / Office Fax
(315)652-1630 / Home
Attn: Dave Raycraft

COMMONFUND MORTGAGE CORPORATION
717 Erie Boulevard West
Syracuse, NY 13204
(315)422-2325 / Office
(315)422-5474 / Office Fax
Attn: Debb Parker

COUNTRYWIDE HOME LOANS
3800 Brewerton Road
Suite 2
North Syracuse, NY 13212
(315)452-4721/Office
(315)458-9499 / Office Fax
(315)345-4966 / Cell
Attn: Jason Miller

HOMESTEAD FINANCIAL SERVICES, INC.
5795 Widewaters Parkway
P.O. Box 503
Dewitt, NY 13214
(315)445-2000  / Office
(315)445-2008 / Office Fax
(315)569-5822 / C
 Attn: Elisabeth McConnell

PRIME MORTGAGE
6838 East Genesee Street
Fayetteville, NY 13066-1029
(315)449-9944 / Office
(315)449-0304 /Office Fax
Attn: Ed Nash

SALT CITY MORTGAGE PROFESSIONALS, INC.
4605 East Genesee Street
Dewitt, NY 13214
(315)234-4600 / Office
(315)234-4610 / Office Fax
(315)727-5137 / Cell
Attn: Bob Flynn

The names of these Mortgage Bankers have been provided for your convenience
and is not meant as an endorsement of one or all.

In today's Real Estate market it is pretty much standard procedure for a Buyer to have
a Pre-Approval from a Lending Institution prior to or as they begin their
home buying searches.  If you have not procured your Pre-Approval letter
from your Bank or Mortgage Company, please feel free to call on one or more of the
lenders identified above.  There is no obligation for the services provided in the
Pre-Approval process and no fee or cost attached either. 

If you are concerned about past or prior credit histories about yourself or significant others,
now is the time to clear up that anxiety & hesitancy by moving through the Pre-Approval process.
These Mortgage professionals can offer valuable tips on clearing up cloudy credit
histories and offer guidance on how to improve your current credit situations and credit scores.

A Pre-Approval is only that, an approval based on self-reported information.
While a preliminary credit check is done, a Pre-Approval is not a mortgage commitment
with verifications from banks or employers.

Revised 1 November