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34 | SPRING 2018 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 now 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. Mortgages, Home Equity and Home Equity Line of Credit (HELOC) Home Lending 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. Contact a consultant: Call (866) 293-2612 Home