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AACREDITUNION.ORG | 39 UNIQUE LOANS If your needs don't fit within the framework of more traditional loans, we have some options for you. First-Time Homebuyer Program This loan is a low-cost, low-rate loan for the first-time homebuyer who has not owned a home in the last two years. Residential Investment Property Program We offer mortgages on one- to four-family residential investment properties at competitive rates with a low down payment. Available on fixed rate or ARMs. Second Home/Vacation Properties A second home is a property that is located a reasonable distance from the borrower's principal residence and which the borrower occupies for some portion of the year. The dwelling must be suitable for year-round occupancy. Also, the borrower must have exclusive control over the property. VALUE-ADDED SERVICES We offer a number of value-added services to help make your move easier. These services can make the most of your hard-earned money by giving you trusted advice, cash back and rewards. Members On the Move Use this no-cost program when you begin the home- buying process. Members On the Move gives you access to real estate reference materials, provides you with a personal consultant and even gives you cash back.* Personal Consultants Our consultants can guide you through each step of homebuying and/or selling. They act as your advocate throughout the process by assigning you a certified real estate agent who can provide you valuable information regarding neighborhoods, schools and more. Real Estate Agents Get recommendations from specially trained and certified real estate agents from select well-known firms. Cash Back on Sales and/or Purchases Get up to $3,000 cash back** based on the sale or purchase price of each transaction when you buy and/ or sell a home with our recommended agents. That means you can earn cash back on both transactions. Cash Back Savings Sale or Purchase Price of Property Your Bonus $50,000–$199,999 Up to $1,050 $200,000–$349,999 Up to $1,950 $350,000 and above Up to $3,000 Mortgage Connection Points Program If you have an American Airlines Credit Union Visa® Platinum Rewards Credit Card, you can get up to 35,000 Connection Points † when you finance your home with American Airlines Credit Union. To contact a consultant, call (866) 293-2612. Home FACT: Remember that we DON'T SELL our mortgage loans to other lenders. We retain all servicing during the life of the loan. * Members on the Move is provided by CARTUS. Cash back is not available in some states. All real estate commissions are negotiable. Contact a consultant for terms and conditions in order to confirm eligibility. ** $3,000 is based on an average purchase or sale price of more than $499,999. † The number of Connection Points awarded in conjunction with your new American Airlines Credit Union Mortgage Loan is 25,000 points for new mortgages to American Airlines Credit Union that are between $50,000 and $250,000 in loan principal amount for a first-lien mortgage. For loans greater than $250,000, an additional 10,000 Connection Points will be awarded. Offer valid for new mortgages at American Airlines Credit Union. Internal Home Equity Line of Credit Loans are not eligible. One award per funded loan. Prior to closing on your mortgage loan, you must have an open Consumer American Airlines Credit Union Visa® Platinum Rewards Credit Card and be a member in good standing to receive Connection Points. American Airlines Credit Union Visa Platinum, Platinum Secured and all other credit cards and debit cards are not eligible for this offer. For Connection Points rules, please go to AACreditUnion.org/pdf/connectionpointsrules.pdf. Allow 4 to 6 weeks after closing date for balance to appear on your "Connection Points Summary." American Airlines Credit Union reserves the right to change or end the Mortgage Connection Points Program and its rules and conditions at any time without notice. Connection Points powered by CURewards®. Visa is a registered trademark of Visa International Service Association.