2009! The industry has come full circle - back to some of the financial basics like FHA/VA and Conforming Agency products. This is an arena where we have always had significant expertise. In fact, since early 2008, we have seen our business turn to almost 90% FHA purchases.

While we miss the days of loans like Super Jumbo stated income, Option ARMs and creative Alt-A products that we funded for many years, it is just as gratifying to still be able to provide a deserving family financing for a home at a price and rate they can afford. As the secondary and credit markets rebuild, I am sure someday soon we will have access to sensible jumbo and alternative financing again. We have weathered the collapse of the financial markets, the demise of many major investors and banks and have seen hundreds of lenders exit the business. However, FGFC still has the ability and expertise to get the job done as our many loyal brokers see month after month.

We have knowledgeable Account Managers, very experienced Government loan underwriters, seasoned Secondary Marketing personnel and a top notch Operations staff that help our valued brokers get the most expeditious loan for their borrowers. Times have changed, home values have dropped dramatically and procedures are more difficult, but we are still a SUDDEN IMPACT, PROBLEM SOLVING, DYNAMIC TEAM that helps borrowers meet their financing needs for that new home, 2nd home or investment property - in several states.

Thank you for your continued business.

Rod Thompson

President