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The Hart Group, Inc.

Call (408) 248-5400

The Hart Group, Inc. has been a licensed mortgage brokerage for over 9 years. We currently have 3 offices located in the following areas: San Jose, Menlo Park, and Mill Valley. We offer a computerized loan analysis that is truly unique to the industry. Coming soon will be an electronic loan application that will provide a complete loan approval the same day as the application. Below are some of the most competitive loan programs available including adjustables, fixed, and special niche programs.

Week of November 14, 1994

Program of the Week - Adjustable

4.20% Start Rate -0- Points 11th Dist. Index 6.814 APR

Years 1-3 7.95% Max. Rate Years 4-6 9.95% Years 7-30 11.25%

                        Rate      Points   APR

--------------------------------------------------

Fixed Rate Loans to $203,150

30 Year Fixed           8.875%    2.0      9.149
                        9.250%    -0-      9.298

30/7 fixed              8.000%    2.0      8.296
                        8.750%    -0-      8.796

Adjustable - No Neg
2.875 margin, 1% semi-annual cap, 11.95% life

                        5.500%    1.0      7.135

Adjustable - Potential Neg
2.25 margin, 7.5% payment cap, 11.50% life cap

                        4.0%      2.0      6.882

Fixed Rate Loans to $750,000

30 Year Fixed           9.125%    2.0      9.326

30/3 Fixed for 3 years  7.875%    1.5      8.136

APR's based on $203,150 for Conforming loans and $350,000 for Jumbo loans. Rates and programs subject to change without notice. Mortgage Brokerage activities are regulated by the Calif. Dept. of Real Estate. Effective 10/31/94.

Special Niche Programs

MCC, Community Homebuyer and CHFA
Zero, 3% and 5% down payment loans
Easy and No Doc Loans
Foreign Nationals (No Green Card)
100% of value purchase and refinances
Loans to $3,000,000
Equity lines of credit

For more information on these and other programs, contact:
Harry Firestone, Jr.
(408) 248-5400
The Hart Group, Inc.
Email: hfire@ix.netcom.com

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