**IMPORTANT NOTICE**
Effective January 1, 2008, Buyers of John Howard Homes will be required to choose a mortgage company or bank approved by our company. We have resisted making this decision. However, based on our recent experience, and in view of widely publicized events regarding the unstable condition of many mortgage lenders, we have found it necessary to develop a list of known mortgage lenders who have a proven track record and have shown that they can perform at closing. We regret any inconvenience this may cause; however, we feel that this is in the best interest of all concerned. Please use one of the following eight (8) preferred lenders who have been pre-approved,

Countrywide Home Loans 6337 Cottage Hill Road Mobile, AL 36609 Tel. (251) 602-0552	First Federal Mortgage 6353 Piccadilly Square Drive Mobile, AL 36609 Tel. (251) 344-5626
SunTrust Mortgage 900 Hillcrest Road, Suite A-3 Mobile, AL 36695 Tel. (251) 665-9557	Regions Mortgage P. O. Box 1628 Mobile, AL 36633 Tel. (251) 431-8101
HMC (Home Mortgages Company) 2521 Hillcrest Road, Suite A Mobile, AL 36695 Tel. (251) 661-5553	Bay Bank 6348 Piccadilly Square Drive Mobile, AL 36609 Tel. (251) 342-3454
Magnolia Mortgage 1550 South University Boulevard Mobile, AL 36609 Tel. (251) 660-5025	Wells Fargo Home Mortgage 1111 Hillcrest Road Mobile, AL 36695 Tel. (251) 633-3456

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