Requires a second mortgage to cover the 3.5% down payment required for FHA loans. Minimum FICO score required. Fixed-rate loans only. W2 transcript option not permitted. The repayable second loan is due in 10 years, but flexible payment options calculated over 10-, 20- or 30-years can provide payment flexibility for 10 years. *Borrower must pay for the appraisal upfront. This advertisement must be presented at the time of the loan application in order to be eligible to receive the appraisal voucher. The appraisal fee will be credited up to $500 to the borrower at the closing of their loan through NFM Lending. The credit for the appraisal will come in the form of a lender credit towards closing costs. Voucher applies to first mortgage loans to purchase or refinance real estate properties made through a licensed NFM Lending branch. Home equity loans, second mortgages, lines of credit, and other loans that are not first mortgages do not qualify for the appraisal waiver. Voucher valid until expiration date, ask LO about expiration date. Some restrictions apply. The Annual Percentage Rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate. The APR allows a borrower to compare costs of credit because it factors in term, interest rate and fees associated with the loan. *Adjustable-rate mortgages (ARMs) are home loans with a rate that varies. Your interest rate and monthly principal and interest (P&I) payments will remain the same for a defined initial period, then adjust annually when that initial period is over. During the adjustable period, there will be an interest rate cap that sets a limit on how high your interest rate can go. This product is primarily for a borrower with good credit (680 FICO or better) but a low Loan-To-Value (95% max). Debt-to-income ratios apply. Investment condos not allowed. Rate sheets for real estate agent and builder use only and not intended for customers. Rate and pricing shown effective as of date listed. This rate sheet does not constitute a credit decision, a commitment to lend, or a pre-qualification for any loan or specific loan term. Rate/price calculations are for illustrative purposes only and are subject to change without notice. Rates based on 30-day lock. Rates based on a primary purchase for a single-family residence for a 30-year term. Rate assumes establishment of an escrow account for taxes and insurance. Rate calculation for Conventional loans assumes a minimum credit score of 760 with a 90 LTV. Rate calculation for VA loans assumes a minimum credit score of 680 with a 100 LTV. Rate calculation for USDA loans assumes a minimum credit score of 680 with a 100 LTV. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. NFM Lending does not guarantee the applicability or availability of any terms list on this communication. All products are subject to credit and property approval. Not all customers will be eligible for all loan products. Additional restrictions may apply, contact your Loan Originator for more information. The business development professional is not a loan originator. To learn more or get pre-approved please consult with a loan originator for further information. Blu Refinance Certificate - Subject to the refinancing of an outstanding loan originated by BluPrint Home Loans that is secured by the same property upon which that borrower previously received from BluPrint Home Loans. The Blu Certificate is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Blu Refinance Certificate may only be used by submitting an application directly to BluPrint Home Loans once six satisfactory mortgage payments have been made. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers vary and are subject to change without notice. NFM, Inc. d/b/a NFM Lending. BluPrint Home Loans is a Division of NFM, Inc. NMLS 2893. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024. This is a brokered product, subject to change at any time. *Lender-paid buydown available for 1 year. Reduction in payment for 2- and 3-year buydowns are the result of builder or seller concessions used to buy down the rate and are not guaranteed by NFM Lending. 5% down payment is the responsibility of the borrower.  Available for fixed-rate conventional, FHA and VA. USDA also available, with a maximum two-year buydown term. Applies to new or existing home purchases only. Reduction in payment is the result of builder or seller concessions used to buy down the rate and are not guaranteed by NFM Lending. 5% down payment is the responsibility of the borrower. There is no tax benefit to you for NFM, Inc.’s donation to the charity. To learn more about the charities, please ask the LO for the website. To qualify for this program the consumer must be pre-approved, and all the following must apply: The final approval cannot deviate from any terms of the initial approval. The loan closing cannot be delayed in whole or in part by actions of the buyer or seller beyond NFM’s control. This is a co-marketing advertisement with the company listed. NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. The real estate agent is not a mortgage lender. Contact NFM Lending directly to learn more about their mortgage programs and your eligibility for such programs. *Some restrictions apply. Borrowers will receive their credit towards their closing costs at the time of closing. In some instances, the credit may be less due to loan program restrictions. This credit can be redeemed once the loan closes with a licensed NFM Lending Branch. The credit will be applied in the final closing disclosures and may appear as separate line items between lender, real estate agent and title company. Only applies to new loan applications and not valid at their locations or for loans that have already locked. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. Ask the LO about the expiration date. Some restrictions apply. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. Equal housing lender. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. Qualifying credit score needed for conventional loans. *Some restrictions apply. The lender and builder will contribute a certain amount, ask LO about the amount contributed. Borrowers will receive the lender contribution in the form of a lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. The lender credit can be redeemed once the loan closes with a licensed NFM Lending Branch. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. Ask the LO about the credit expiration date. NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair Company to learn more. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please visit the link provided by the LO. You will need to apply for a first mortgage loan with NFM, Inc. in conjunction with any down payment assistance program. All information contained herein is subject to change at any time. A training class might be required. All DPA programs require you to apply for a 1st and 2nd mortgage. We may use or disclose the personal information we collect for one or more of the following business purposes: To provide you with information, products, or services that you request from us. To provide you with email alerts, event registrations, and other notices concerning our products or services, or events or news that may be of interest to you. You may opt out or submit a request to delete by emailing privacy@nfmlending.com. This is a client appreciation event. This is a promotional event. This promotional event is for informational purposes only. This seminar is intended for real estate agents and is for informational purposes only. This seminar is intended for real estate agents only. Continuing education course is being offered solely by the settlement company in this advertisement. 1 – Rate is based on the 60-day interest rate + applicable charges. A one-time lock-in fee of a percentage of the total loan amount is due up-front. Additional option available with rate. 2 - A one-time float-down is available if interest rates have improved within 60 days prior to closing. The lesser of the existing lock expiration date or 60 days will be used on float-downs. Restrictions apply. 3 - Extension fees apply. Fees are non-refundable if the loan does not close for any reason (may vary by state). Interest rates are subject to change daily and without notice. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. This promotional event is for informational purposes only. MLO licensing information ___________________. [Division Name] is a division of NFM Inc. NFM, Inc. is licensed in: (list state information where MLO is licensed. (www.nmlsconsumeraccess.org). For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Equal housing lender. Copyright © 2024. NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024 NFM, Inc. dba NFM Lending.  America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Lender.  MLO licensing information: {{User License - State}}. NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024. Equal Housing Lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Borrowers will be mailed a Visa® gift card after speaking with a loan originator at NFM Lending and an application is taken. The gift card may constitute taxable income. Federal, State, and Local taxes and the use of the gift card not otherwise specified herein are the responsibility of the Gift recipient. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Interest rates are subject to change daily and without notice. NFM Lending is not a Financial Advisor, Credit Repair Company or Tax Consultant. Please make sure to consult your own Financial Advisor, Credit Repair Company or Tax Consultant to determine what may be best for your individual needs. All of the market information contained in this marketing material has been gathered from different mortgage sources. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. The important thing to remember about a home equity line of credit is the interest rate is variable and adjusts with the prime rate, which means the amount of interest you pay could fluctuate up or down following interest rate trends over the course of the draw and repayment period. Home warranty is provided complimentary of a licensed NFM Lending branch through First American Home Buyers Protection Corporation. This is an insurance product and the ability to pay claims is dependent on the solvency of First American and is not guaranteed. The approximate value is $250. Some restrictions apply, including limitations to certain counties. Your loan originator can provide you a list of counties. For more information on First American, benefits of the program, restrictions, and limitations, please visit https://homewarranty.firstam.com/. In lieu of the home warranty or if home is not in an eligible county, borrower can choose to receive a $250 lender credit. Some restrictions apply. Borrowers will receive the lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. This lender credit of up to $250 can be redeemed once the loan closes with a licensed NFM Lending branch. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. This credit expires, please ask LO about the expiration date. Home warranty is provided complimentary of a licensed NFM Lending branch through the warranty company listed. This is an insurance product and the ability to pay claims is dependent on the solvency of the warranty company listed and is not guaranteed. Approximate value is to be determined. Some restrictions apply, including limitations to certain counties. Your loan originator can provide you a list of counties. For more information on the warranty company listed, benefits of the program, restrictions, and limitations, please visit the warranty company listed website. In lieu of the home warranty or if home is not in an eligible county, borrower can choose to receive a specific lender credit. Some restrictions apply. Borrowers will receive the lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. This lender credit can be redeemed once the loan closes with a licensed NFM Lending branch. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. This credit expires, please ask LO about the expiration date. This is for informational purposes only. All information contained herein is subject to change at any time and there is no representation to the accuracy contained herein. Consumer experience statements are general and not based on independent verification. This is not intended to be legal advice.  Please consult an attorney. Interest rates are subject to change daily and without notice. *This product is primarily for a borrower with good credit (700 FICO or better) but a low Loan-To-Value (80% max). Debt-to-income ratios apply. Investment condos not allowed. *Equity loan amount is based on client’s individual equity position. This is a co-marketing piece with Knock Lending LLC, NMLS #1958445. You are entitled to shop around for the best lender for you. The transaction will be carried out in English. Some restrictions apply. Borrowers will receive the lender credit towards their closing costs. In some instances, the credit may be less due to loan program restrictions. This lender credit can be redeemed once the loan closes with a licensed NFM Lending Branch. Only applies to new loan applications and not valid at other locations or for loans that have already locked. This credit is not redeemable for cash or cash equivalents. Void where prohibited by law. This credit expires, ask the LO about the expiration date. Regular lender fee of $1,600 will be reduced to $0 for first responders. {The dollars amounts will be edited as needed.} Lender-paid buydown only available for 1 year. 5% down payment is the responsibility of the borrower. This is for informational purposes only and is not a paid endorsement. Past performance is no guarantee of future results. Actual performance/results may vary. All of the following market information contained in this newsletter has been gathered from different mortgage sources. Medical student debts are not included in the debt-to-income (DTI) qualifications if they are deferred at minimum of 12 months. Cancellation of mortgage insurance has restrictions including home equity requirements. *The No Cost Refinance is subject to the refinancing of an outstanding loan originated by NFM Lending that is secured by the same property upon which that borrower previously received from NFM Lending. No Cost Refinance is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The No Cost Refinance may only be used by submitting an application directly to NFM Lending once six satisfactory mortgage payments have been made. Offers vary and are subject to change without notice. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Cannot say this in relation to a reverse mortgage (No Mortgage Payment). Special considerations and restrictions apply in many cases. No subordinate financing. Please consult with the Loan Originator about requirements and restrictions for Private Mortgage Insurance and down payment. This promotion may vary according to the consumer’s criteria. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financial and property approval/appraisal. Please note that the pre-qualification does not constitute a commitment or a loan approval but is instead a preliminary assessment of your current credit worthiness. No purchase necessary to enter the giveaway. The winner will be notified within 24-48 hours via phone and/or email. The prize will be mailed via USPS to the address given in the entry form. Federal, state, and local taxes and the use of the prize not otherwise specified herein are the responsibility of the recipient. Equal housing lender. Scan QR code for required disclaimers. * Rate Drop Pledge is subject to the refinancing of an outstanding purchase loan originated by NFM Lending between the dates set by NFM Lending that is secured by the same property upon which that borrower previously received from NFM Lending. Rate Drop Pledge is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Rate Drop Pledge may only be used one time by submitting an application directly to NMF Lending once six satisfactory mortgage payments have been made. Offers vary and are subject to change without notice. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. "*Rates effective from date listed and can change daily. Rates quoted are estimates and based on a qualifying credit score. Loan-to-Value’s (LTV) of 95% for Conventional Loans, 100% for VA Loans, and 96.5% for FHA Loans. This payment does not include taxes and homeowner’s insurance and is an estimate; your actual payment will be higher. An annual and monthly mortgage insurance premium may be required and will vary depending on the loan characterization. Payments and rates may vary based on borrower’s credit score, actual closing costs and other variables. Depending on your situation, flood, property hazard, and mortgage insurance may be needed, which could increase the monthly payment and Annual Percentage Rate (APR). USDA - * This loan amount does not include the upfront guarantee fee, your loan amount will be higher. 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value. Loan is limited to the appraised value without the pool, if applicable. REALTOR COMPANY NAME listed contribution is not guaranteed by NFM Lending. Check with REALTOR NAME listed for details. NFM Lending is not affiliated with any real estate companies and is not endorsing the realtor. You are entitled to shop around for the best lender/real estate company for you. The real estate agent is not a mortgage lender. Contact NFM Lending directly to learn more about their mortgage programs and your eligibility for such programs. This advertisement is strictly for builder and realtor informational purposes and should not be disseminated to consumers. This document is not an advertisement for consumer credit as defined in 12 CFR 1026.2(a)(2). Recasts are subject to servicer approval and not guaranteed. Applies to conventional loans only. NFM, Inc. D/B/A NFM Lending, NMLS ID#2893. For additional licensing information, visit www.nfmlending.com/licensing. AA/EOE/M/F/D/V. © 2024. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Open to the general public. There are no kickbacks, fee splitting or unearned fees associated with receiving referrals or in entering this contest/giveaway. NFM Lending complies with Section 8 of RESPA and does not offer anything of value, including marketing services or defrayed business costs in exchange for referrals or for the expectation of referrals. Youngest borrower must be 55 or older (age varies by state). Additional counseling required. Only certain property types: single family, manufactured home, or condos possible. Primary residence. The borrower must maintain the home and continue to pay property taxes, insurance and homeowner’s association dues (if applicable). These materials are not from Housing and Urban Development or Federal Housing Administration and were not approved by HUD or a gov’t agency. Not tax advice, consult a tax professional. Just because you apply for a reverse mortgage doesn't mean you have to go through with it, even if an application was signed. Resources required for credit score projections are estimates only. Open account balances may have changed since last reported to credit bureaus. No guarantee on score projections – A score projection is only an estimate. There is no guarantee that one’s credit score will change by the exact amount predicted. Factors such as account balances and or updates to the credit bureau processes can change from time to time which may affect your score. Participating in the Road2Home course is not required for a loan approval with NFM Lending. NFM does not grant credit for a mortgage loan based on this service. The rescoring program is not a form of compensation to the loan originator. Any seller concessions will be used to buy down the rate and applicable and other finance charges. Seller concessions are not guaranteed by NFM Lending. Contact your Loan Originator for more details. Seller-paid buydown available. Reduction in rate is the result of seller concessions used to buy down the rate and are not guaranteed by NFM Lending. 5% down payment is the responsibility of the borrower. Applies to new or existing home purchases only. NFM, Inc. does business as NFM Lending. For NFM, Inc.’s agency and other state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s Nationwide Mortgage Licensing System (NMLS) Company Identifier Number is 2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024. Equal Housing Lender.  The other party listed is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. The real estate agent is not a mortgage lender. Contact the other party listed directly to learn more about their mortgage programs and your eligibility for such programs. MLO licensing information: {{User License - State}}. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by: AL # 21250; AZ # BK-0934973; CA # 6039416 and 4131349 (dba NFM Consultants, Inc.); CO # 2893; CT # ML-2893; DE # 3879; DC # MLB-2893; FL # MLD174; GA # 17414; ID # MBL-2080002893; IL # MB.6759796; IN # 11080; LA # 2893; MD # 5330; MA # MC2893; MI # FR0021828; MN # MN-MO-20309174; MS # 2893; NH # 22662-MB; NV # 4044; NJ # 9966238; NM # 2893; NC # L-135884; OK # ML012023; OH # MBMB.850129.000; OR # ML-5191; PA # 25770; RI # 20163283LL; SC # MLS-2893; TN # 109396; TX # NMLS 2893; UT # 8922561; VA # MC-2357; VT # 7359; WA # CL-2893; WV # ML-23712; WI # 2893BA. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023. Equal Housing Lender.  MLO licensing information: {{User License - State}}. NFM, Inc. d/b/a NFM Lending. NFM, Inc. is licensed by: AL # 21250; AZ # BK-0934973; CA # 6039416 and 4131349 (dba NFM Consultants, Inc.); CO # 2893; CT # ML-2893; DE # 3879; DC # MLB-2893; FL # MLD174; GA # 17414; ID # MBL-2080002893; IL # MB.6759796; IN # 11080; LA # 2893; MD # 5330; MA # MC2893; MI # FR0021828; MN # MN-MO-20309174; MS # 2893; NH # 22662-MB; NV # 4044; NJ # 9966238; NM # 2893; NC # L-135884; OK # ML012023; OH # MBMB.850129.000; OR # ML-5191; PA # 25770; RI # 20163283LL; SC # MLS-2893; TN # 109396; TX # NMLS 2893; UT # 8922561; VA # MC-2357; VT # 7359; WA # CL-2893; WV # ML-23712; WI # 2893BA. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024. NFM Lending is not affiliated with any real estate companies. This is a cobranded piece created with the other party listed. You are entitled to shop around for the best lender/real estate company for you. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a mortgage loan. The loan application approval will only be given when the property appraisal, title search, and other verifications are complete. Additional financial documentation may be necessary. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023." Equal Housing Lender.  MLO State Licensing Information {{User License - State}} NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a mortgage loan. The loan application approval will only be given when the property appraisal, title search, and other verifications are complete. Additional financial documentation may be necessary. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023." "See OneNote: https://nfmlending.sharepoint.com/sites/MarketingTeam/_layouts/OneNote.aspx?id=%2Fsites%2FMarketingTeam%2FSiteAssets%2FMarketing%20Team%20Notebook&wd=target%28Projects.one%7CB086044B-BD66-4239-99C0-85E8FD5C2686%2FSweepstakes%7CA38FEC33-E533-48B6-8044-79319731CBB3%2F%29onenote:https://nfmlending.sharepoint.com/sites/MarketingTeam/SiteAssets/Marketing%20Team%20Notebook/Projects.one#Sweepstakes&section-id={B086044B-BD66-4239-99C0-85E8FD5C2686}&page-id={A38FEC33-E533-48B6-8044-79319731CBB3}&end" Testimonials appearing on this advertisement are individual experiences of those who have used our services. All reviews contained in this advertisement have been collected from the site(s) listed. For more information, please request and visit the LO’s review page. Equal Housing Lender. This advertisement is strictly for realtor informational purposes and should not be disseminated to consumers. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. The number of preferred leads submitted to achieve each tier is calculated each month on a specfic date. Preferred leads are determined at the discretion of the NFM Lending team based on set criteria. Reach out to your loan originator for details. La transacción será realizada en Ingles (the transaction will be conducted in English). For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. *Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. *On an Interest Rate Reduction Refinance Loan (IRRRL) the Veterans Affairs does not require an appraisal, but NFM Lending may require a drive-by-appraisal. Income documentation is not required, but source of income must be verified. **Purchases only must have Automatic Underwriting System (AUS) approval. No cash-out under 600. †Sales price cannot exceed appraised value. ††In a purchase transaction, reasonable closing costs may be paid by the seller, and the program is available with no points depending on credit profile, collateral, and current mortgage history. VA 580 FICO - *Purchases only, must have Automatic Underwriting System (AUS) approval. No cash-out under 600 Rates/payments flyers. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. NFM, Inc. does business as NFM Lending. NFM, Inc. is licensed as: Maryland Mortgage Lender (5330) under the trade name NFM Lending. For NFM, Inc.’s agency and other state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s Nationwide Mortgage Licensing System (NMLS) Company Identifier Number is 2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2024. By participating in the NFM Lending Content Creation Day I understand that my image may be edited, copied, exhibited, published or distributed for NFM Lending’s usage and waive the right to inspect or approve the finished product wherein my likeness appears. Additionally, I waive any right to royalties or other compensation arising or related to the use of my image or recording. An Interest Only mortgage only requires monthly interest payments. Since you are not paying any principal, this can lower your monthly payment. However, since your mortgage's principal balance is not decreased, you will have a balloon payment at the end of the mortgage's term. Please contact your loan officer for more information.