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Ross Mortgage is pleased to be able to participate with the FHA Back to Work program. As you
may know, the Back to Work program allows consumers who experienced a short sale, bankruptcy,
deed-in-lieu or foreclosure to be able to reapply for mortgage credit in as little as one year since
the time of their economic downturn or the loss of income as a result of the economic
downturn. Some of these people you may have helped with their short sale. They may be
prospects for new housing today, much sooner than you ever thought. If you know Ross Mortgage,
you know that we're dedicated to the purchase money mortgage market. We've got experienced
loan officers that work in your community that will help you to be able to determine
whether or not some of these consumers that you know may be buyers today. Our business
model is based on our outside sales people, our loan officers, who go into the real estate
community and build relationships with professional realtors. That's how it is that we've built
our business over 60 years. That is by establishing relationships with professional realtors and
serving their clients' mortgage financing needs. If you're looking for an expert mortgage
banker, somebody who understand the FHA program, and particularly this new program called Back
to Work, then you need to give us a call.