Two trusted names. One perfect solution.

Capturing the power between Winchester Homes™ and Wells Fargo Home Mortgage, WinchesterHomeLoans was created. For years we've been building rock solid homes. Now we're bringing you an easier way to finance them.

As a Winchester Homes™ homebuyer, we will work with you to find the best finance package that meets your needs. While some lenders make the process more complicated by requiring extra documentation, extra fees and extra hassles, Winchester Home Loans offers streamlined solutions, superior service and competitive rates. After all, we're both working for the same goal: for you to feel financially secure in your new home.

Step 1 - Home Ownership: Documentation & Mortgage Consultation
You forward us your Buyer Profile and speak to a Mortgage Consultant. A mortgage application is completed, signed and returned to us with all the requested items needed to begin processing.

Step 2 - Processing
Your application is sent to our Mortgage Processing Center and you are assigned a Mortgage Specialist who processes your application. Your loan decision is usually made within 10 business days.

Step 3 - Approval
Your Mortgage Specialist contacts you with your loan decision. You are mailed a written Loan Commitment Letter for you to review for the conditions of your approval. To ensure a smooth settlement, complete these conditions as soon as possible.

Step 4 - Construction
Your home is being built. Winchester Homes™ will notify us of any changes in your sales price. Beware of modifications to your financial situation at this time. Changes in employment or incurring new expenditures may affect the terms of your loan.

Step 5 - Final Adjustments
At the time of your pre-drywall walk through, you will also hear from your Mortgage Specialist who will ask you to confirm your final sales price and loan amount. If you enroll in our Builder Best® program, this is when you can execute your final interest rate floatdown.

Step 6 - Quality Assurance Inspection
Winchester Homes™ prides itself on quality workmanship. Quality Assurance Inspections are performed throughout the homebuilding process to ensure everything meets our quality standards. As a final inspection before you move into your new home, Winchester Homes™ completes a Managers\' Walk. The Managers' Walk is done to make certain that your home is in working order and to identify any items that need attention before your pre-settlement meeting.

Step 7 - Closing
You are now ready to finalize the purchase of your new home. The builder will notify you of the time and location where your settlement will take place. As this could change at any moment, it is critical that we have your latest contact information.

Wells Fargo Home Mortgage is a Division of Wells Fargo Bank, N.A.

All First Mortgage products are offered and provided by Linear Financial, LP dba Winchester Home Loans. Linear Financial, LP dba Winchester Home Loans may not be available in your area. © 2005 Linear Financial, LP dba Winchester Home Loans. All Rights Reserved. Credit subject to approval. Due to various federal, state and local requirements, certain products may not be available in all areas. Other restrictions may apply. Information is accurate as of the date of posting and is subject to change without notice. All Rights Reserved.

Full terms and legal disclosures are available at www.WinchesterHomeLoans.com.