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Custom Solutions for Every Scenario.

MORTGAGES MADE EASY 855-ELEMENT EllisMortgageTeam.com

101% FINANCING NO DOWN PAYMENT, CONVENTIONAL LOAN

101% Financing Covers the purchase price and closing costs, less cash out of pocket. Conventional Loan + Built-In Assistance One streamlined program with down payment support included. Flexible First-Time Buyer Rule Only one borrower must be a first-time homebuyer. Stack the Savings Gift funds and seller-paid closing costs can be used in some instances Fixed Rate Stability Predictable monthly payments with no surprises. Wider Access Than You Think Available in AL, FL, GA, and SC with flexible income limits and primary residence guidelines.

your path to homeownership just got smoother

PROGRAM QUALIFICATIONS

Minimum credit score of 660

Max DTI is 50%

140% AMI Borrower must meet county-specific income limits single-unit property only, manufactured homes are not eligible Home must be a primary residence based on property location Purchase Price Must be under conforming loan limits Buyer must complete a qualified homebuyer education course prior to closing

DeAnn Ellis Davidson Senior Mortgage Consultant NMLS# 148916 | GA MLO# 25670 155 Bankers Boulevard, Unit I-200, Monroe, GA 30655 Office: 855-ELEMENT Cell (770) 616.8042 EllisMortgageTeam.com DeAnnEllis@elementhl.com

©2025 NFM, Inc. dba Element Home Loans. ®Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. 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. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites. NFM NMLS# 2893 NMLS #148916 GA MLO# 25670

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. Equal Housing Lender. MLO licensing information: . 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. © 2025 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. nfmlending.com. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information on HomeReady VLIP, visit: https://singlefamily.fanniemae.com/media/37851/display . For Home Possible VLIP, visit: https:// sf.freddiemac.com/docs/pdf/VLIP-expansion- assistance.pdf 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 to apply for a 1st and 2nd mortgage. Qualifying credit score needed for conventional loans.

ZERO DOWN FLEX ZERO DOWN FLEX

FINANCED CLOSING COSTS ! COSTS!

101.5% FINANCING**

96.5% FHA first loan with 5% 2nd lien Extra 1.5% can go towards closing costs

FOR ALL BUYERS (not just first-time)

NO INCOME CAP

COVERS DOWN-PAYMENT

Equal Housing Lender. MLO State Licensing Information AL, FL - LO117378, GA # 25670, SC # MLO-148916, TN # 148916. NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best 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 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 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.

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. 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, *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. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial

100%

FINANCING PROGRAM

We’re making homeownership more accessible than ever with our 100% Financing Program. This option allows qualified buyers to purchase a home with no down payment, helping you save your cash for other priorities.

FHA LOAN

ZERO DOWN PAYMENT* 100% FINANCING** NO INCOME LIMITATIONS

ALL BUYERS

600 CREDIT SCORE (not just first time)

Whether you're a first-time homebuyer or looking for a fresh start, this program is designed to get you into your dream home faster and easier. Contact us today to find out if this opportunity is right for you!

*LTV’s can be as high as 96.5% for FHA loans. **Requires a second mortgage to cover the 3.5% down payment required for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. 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.

Home Financing Available for Credit Scores As Low As 500

LOAN REQUIREMENTS:

Homeownership just got more accessible with an FHA program for buyers with less-than-perfect credit!

10% down payment

45% debt to income (DTI) ratio

2 months of reserves

©2023 NFM, Inc. dba Element Home Loans. ®Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. 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. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites. NFM NMLS# 2893 NMLS #148916 GA MLO# 25670

FHA-qualified borrowers who do not meet the eligibility requirements for the traditional Georgia Dream program are able to apply for the Georgia Dream Peach Plus Loan Program. The Georgia Dream Peach Plus Loan Program expands access to affordable homeownership opportunities across our state. By serving a wider range of borrowers, including those with non-conforming loans, this program helps make the dream of homeownership a reality for more Georgia families.

GEORGIA DREAM

PEACH PLUS

FINANCIAL CRITERIA

First-time homebuyer requirement is waived for this program!

HUD Metro

Standard (All eligible homebuyers may qualify!) : 3.5% of purchase price (up to $10,000) Protectors/Educators/Nurses & Household with Disability (PEN/Choice): 4% (up to $12,500) DOWN PAYMENT ASSISTANCE BORROWER REQUIREMENTS Must meet FHA or VA credit and income guidelines, including credit score minimum of 640 Household income cannot exceed 150% of area median income Liquid assets limited to $20,000 or 20% of the sales price HUD ‑ approved homebuyer education is required -Loans are 30-year fixed low interest rate mortgages. Participating lenders give credit approval for FHA mortgage loans. -Interest rate is determined by market rates and is set by Ga Dream. The rate is higher than the regular GA Dream Loan Program. -Down payment assistance options are available -Second mortgage is deferred, 0% interest, no monthly payment

Maximum home sales price is up to $650,000 Maximum income limits are up to:

$195,435 (1-2 persons) $224,750 (3+ persons)

Athens MSA

Maximum home sales price is up to $575,000 Maximum income limits are up to:

$169,740 (1-2 persons) $198,030 (3+ persons)

All Other GA Counties

Maximum home sales price is up to $500,000 Maximum income limits are up to:

$147,600 (1-2 persons) $169,740(3+ persons)

Ga Dream PEACH ADVANTAGE

Unlock the Door to Affordable Homeownership in Georgia! The Peach Advantage Program offers conventional financing designed to help more families purchase a home with lower out-of-pocket costs, flexible assistance options, and no geographic restrictions.

Flexible Down Payment Assistance:

Who Q ualifies:

Key Benifits:

Conventional Loans Up to 105% CLTV with second mortgage No Minimum Contribution Required from borrower Available Statewide – no county or census tract limitations Income limits up to 150% AMI (Area Median Income)

All eligible buyers (not just first-time!) 640+ FICO DTI = the lesser of 45%

Borrowers can choose: No DPA

2%, 3%, 4%, or 5% of the first mortgage loan amount

or AUS approval Households with moderate incomes

(up to 150% AMI)

Interest rates vary based on DPA selection.

Buyers seeking the benefits of conventional financing with added assistance

Owner-occupied properties only

Georgia Dream

Helping First-Time Homebuyers Achieve the Dream of Homeownership

Program Highlights

Who Qualifies?

First-time homebuyers, those who haven’t owned in the last 3 years, or buyers purchasing in a targeted area Must have a minimum credit score of 640 and contribute at least $1,000 of your own funds Liquid assets must not exceed $20,000 or 20% of the home’s sales price (whichever is greater) Household income limits apply (varies by county and household size) Home purchase price must fall within program limits

Key Benefits 30-year fixed rate mortgage through FHA, VA, USDA-RD, or conventional loans Down payment & closing cost help up to $10,000 (standard) , or up to $12,500 for eligible educators, healthcare workers, military personnel, and families with disabilities Pre ‑ purchase homebuyer education required (online or in-person) to ensure you're informed and ready

Home Sales Price and Maximum Household Income Area/County: Atlanta - Sandy Springs - Roswell, GA HUD Metro Barrow County, Bartow County, Carroll County, Cherokee County, Clayton County, Cobb County, Coweta County, Dawson County, DeKalb County, Douglas County, Fayette County, Forsyth County, Fulton County, Gwinnett County, Heard County, Henry County, Jasper County, Newton County, Paulding County, Pickens County, Pike County, Rockdale County, Spalding County, Walton County Home Sales Price: $550,000 Household Income: (1-2 persons: $130,290) (3+ persons: $149,833) Area / County: Athens, GA MSA

Clarke County, Madison County, Oconee County, Oglethorpe County, Morgan County Home Sales Price: $450,000

Household Income: (1-2 persons: $113,160) (3+ persons: $132,020)

Area / County: All Other Georgia Counties Home Sales Price: $400,000

Household Income: (1-2 persons: $98,400) (3+ persons: $113,160)

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. For NFM Lending, LLC’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. www.nfmlending.com. MLO licensing information NMLS# 148916 | GA MLO# 25670. Element Home Loans, The DeAnn Ellis Team is a division of NFM Lending, LLC. NFM Lending, LLC. is licensed in: Georgia, Florida, Alabama, South Carolina, Tennessee, and North Carolina. (www.nmlsconsumeraccess.org). For NFM Lending, LLC's full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Equal housing lender. Copyright © 2025. Qualifying credit score needed for conventional loans. 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: https://dca.georgia.gov/affordable-housing/home-ownership/georgia-dream-mortgage-products/peach-advantage-loan-program. You will need to apply for a first mortgage loan with NFM Lending, LLC. 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 to apply for a 1st and 2nd mortgage. Interest rates are subject to change daily and without notice. 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. 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.

VA PEACH SELECT PROGRAM SERVING THOSE WHO SERVED US

This program is an extension of the Georgia Dream initiative, aimed at making homeownership more accessible for all Georgians. Any borrower who qualifies for a traditional Georgia Dream VA Loan is eligible to apply for the Georgia Dream Peach Select VA Loan Program.

TERMS AND CONDITIONS:

ELIGIBLE BORROWERS:

Low interest rates

Honorably discharged veterans

$500 minimum investment from homebuyers

Active-duty military

100% Loan-to-Value (LTV) ratio

National Guard & Reserve members

640 minimum credit score

Surviving spouses of eligible veterans

Veterans Affairs loans require a funding fee, which is based on various loan characteristics. A homebuyer education workshop is required. 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. For more information on this product please visit https://www.dca.ga.gov/safe-affordable-housing/homeownership/georgia- dream/georgia-dream-peach-select-veterans-assistance

Equal Housing Lender. MLO State Licensing Information AL, FL - LO117378, GA # 25670, SC # MLO-148916, TN # 148916. NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best 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 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 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

(www.nmlsconsumeraccess.org).

NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution.

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 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. Available for fixed-rate conventional and VA. Maximum two-year buydown term available for USDA and FHA. Applies to new or existing home purchases only. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject

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.

1099 PROGRAM Independent Earner

We know that being self-employed comes with incredible freedom—but when it comes to getting a mortgage, it can sometimes feel like the odds are stacked against you. That’s why we’re excited to introduce the Freedom 1099 Loan, designed specifically for 1099 earners who may not qualify for a traditional full-doc mortgage. With this program, we use your most recent 1099 statements from one to two years ago—no tax returns required! That means your real earnings, not just what's reported on tax forms, help qualify you for a home loan.

Program Highlights:

Up to 90% loan-to-value (LTV) — less money down!

Available for primary residences, second homes, and investment properties Purchase, rate & term, and cash-out refinance options available

Credit scores as low as 660 FICO accepted No tax returns required —just 1099s and a YTD earnings statement or bank statements

40-year interest-only option for lower monthly payments

FHA ONE TIME CLOSE

CONSTRUCTION LOAN

Our One Time Close loan combines your construction financing and permanent mortgage into one simple package. You’ll close just once, lock in your rate upfront, and won’t have to re-qualify when construction is finished. When construction is complete your loan automatically converts to a regular fixed-rate mortgage — no second closing required.

Guidelines This program provides a fixed-rate loan, 15 or 30 years , designed for primary residences only . Borrowers can finance up to 96.5% of the lesser of the acquisition cost or appraised value , plus UFMIP, with loan limits based on FHA county guidelines. Program costs include a construction fee, inspection fees that differ depending on whether the home is site-built or manufactured, along with feasibility, administrative, and processing charges collected at closing. Construction interest and soft costs are built into the builder’s price , and interest accrues only on the funds disbursed.

Program Highlights Minimum 650 FICO required Start with as little as 3.5% down Close in as little as 45 days with an approved builder Flexible Property Options: Site-built, modular, and manufactured homes. Barndominiums permitted with specific restrictions (slab foundation, no metal/post beam, no agricultural use) Work with one of our already-approved builders, or apply to have your preferred builder approved through a simple review process.

Want to get approved as a builder? email Britney Clawson to start the process. BClawson@elementhl.com To see our list of approved builders, reach out to DeAnn by email.

DeAnn Ellis Davidson Senior Mortgage Consultant NMLS# 148916 | GA MLO# 25670 Office: 855-ELEMENT Cell (770) 616.8042 EllisMortgageTeam.com DeAnnEllis@elementhl.com 155 Bankers Boulevard, Unit I-200, Monroe, GA 30655

VA ONE TIME CLOSE CONSTRUCTION LOAN

Use your VA benefits with our One Time Close loan combines your construction financing and permanent mortgage into one simple package. You’ll close once, lock in your rate upfront, and won’t have to re-qualify when construction is finished. When construction is complete your loan automatically converts to a regular fixed-rate mortgage — no second closing required.

Program Highlights Minimum 650 FICO required

Guidelines

This program provides a fixed-rate loan, 15 or 30 years , designed for primary residences only.

Up to 100% financing for eligible veterans Close in as little as 45 days with an approved builder Flexible Property Options: Site-built, modular, and manufactured homes. Barndominiums permitted with specific restrictions (slab foundation, no metal/post beam, no agricultural use) Work with one of our already-approved builders, or apply to have your preferred builder approved through a simple review process.

Eligible veterans can finance up to 100% of the lesser of the acquisition cost or appraised value, plus any applicable VA funding fee, with loan limits generally following conforming VA guidelines and jumbo options available in some cases. Program costs include a construction fee, inspection fees that vary by home type, and additional feasibility, administrative, and processing charges collected at closing. Construction interest and soft costs are built into the builder’s price , and interest accrues only on the funds disbursed.

Want to get approved as a builder? email Britney Clawson to start the process. BClawson@elementhl.com To see our list of approved builders, reach out to DeAnn by email.

CONVENTIONAL ONE TIME CLOSE CONSTRUCTION LOAN

Our One Time Close loan combines your construction financing and permanent mortgage into one simple package. You’ll close once and lock in your rate upfront . When construction is complete your loan automatically converts to a regular fixed-rate mortgage — no second closing required.

Guidelines This program provides a fixed-rate loan, 15 or 30 years , designed for primary or secondary residences. Borrowers can finance up to 90% of the lesser of the acquisition cost or appraised value (exceptions up to 95% may be considered with strong equity in a departing residence). Loan limits follow conforming and high-balance guidelines, and requalification may be required if construction extends beyond 12 months or if the borrower’s credit score falls below 700. Program costs include a construction fee, inspection fees that vary by home type, and additional feasibility, administrative, and processing charges collected at closing.

Program Highlights Minimum 680 FICO required As little as 10% down Close in as little as 45 days with an approved builder Flexible Property Options -Site-built, modular, and Barndominiums permitted with specific restrictions (slab foundation, no metal/post beam, no agricultural use) Work with one of our already-approved builders, or apply to have your preferred builder approved through a simple review process.

Want to get approved as a builder? email Britney Clawson to start the process. BClawson@elementhl.com To see our list of approved builders, reach out to DeAnn by email.

Buy BEFORE You Sell

Our modern bridge solution lets you access the equity in your current home before it sells! Helping you move forward with your next purchase and improving your debt-to-income ratio.

A SMARTER WAY TO MOVE FORWARD

Get pre-qualified with Element Home Loans Make a stronger offer on your next home

Use your unlocked equity to close Sell your old home on your terms

Access up to 85% of your current home’s combined loan-to-value to use as your down payment before your home even sells. No double payments After closing on your new home, Element Home Loans will make monthly payments on your old home until it sells.

0% Interest Bridge Loan No interest charged on the equity you unlock to purchase your next home.

No home sale contingency - Make a strong, competitive offer on your new home without needing to sell your current one first. Lower debt-to-income ratio Helps improve your buying power when qualifying for your next mortgage.

Sell your current home on your timeline! You have up to 120 days to list and sell your old home for full market value.

A 2.4% fee applies at the time of your old home's sale. (Minimums apply. Ask your loan officer for full terms.)

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. For NFM Lending, LLC’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. www.nfmlending.com. MLO licensing information NMLS# 148916 | GA MLO# 25670. Element Home Loans a division of NFM Lending, LLC. NFM Lending, LLC. is licensed in: (list state information where MLO is licensed. (www.nmlsconsumeraccess.org). For NFM Lending, LLC's full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Equal housing lender. Copyright © 2025. 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. 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. MAC0725_ 1709628461.

ELEMENT HOME LOANS

DTI DROP Drop your debt-to-income ratio and boost your buying power. Eliminate the home sale contingency We place a backup offer on your departing residence to remove the home sale contingency and reduce your DTI ratio.

Submit your departing residence for approval and receive a backup offer. Get approved and drop your DTI Once approved, you and your agent can start making stronger offers, with no home sale contingency. Make a stronger offer Close on your new home, leveraging your own cash to cover the down payment and closing costs. Close on your new home You have the freedom to sell your home with your chosen agent on your timeline, with full market value. Sell your old home at full market value

Avoid a double move

If you’re buying a new home but don’t need the equity from your current one to do it, our DTI Drop program can help by temporarily removing your existing mortgage from the equation—lowering your debt-to-income ratio and giving you more buying power for just a 1% program fee.* You are able to move into your new home before selling your old one, avoiding the cost and hassle of showings, moving twice, and temporary housing.

This program is perfect for medical professionals who are purchasing or refinancing a home that exceeds conventional loan limits and want a low down payment. As Low as 5% Down Purchase Low Down Payment Loan Amount from $400k-2M Medical Professional Loan Program

KEY FEATURES:

Loans as low as $400k

95% Financing with No Mortgage Insurance (MI)

Competitive Interest Rates

ELIGIBLE MEDICAL PROFESSIONALS:

7- and 10-Year ARMs Flexible Qualifications & Student Loan Friendly!

At least one borrower must hold one of, and supply, the following valid license types: Medical Doctors (MD) Doctors of Osteopathy (DO) Doctor of Dental Medicine - Dental Surgeons, Orthodontists,

*Offered Nationally except AK, AL, MS, and LA

General Dentists (DMD/DDS) only Doctors of Podiatric Medicine (DPM) Doctor of Veterinary Medicine (DVM) Doctor of Optometry/Ophthalmology Doctor of Psychology Physician Assistant (must have medical license) Doctor of Anesthesiology

QUALIFYING CRITERIA :

Must be a medical professional with a valid medical license and actively engaged in an eligible medical profession. Includes those who completed residency within the last ten years or current residents, fellows, or interns. Deferred student loans? If repayment starts more than 12 months from your application, it won’t count toward your debt-to-income (DTI) ratio. If it starts within 12 months, we’ll include 0.5% of the loan balance or use a statement showing your actual payment. Additional qualifying criteria applies. Ask for details.

Unlock Your Equity with Flexible HELOC Options

Looking for a smarter way to access your home's equity without refinancing your first mortgage? Our HELOC Programs offer a flexible line of credit with interest-only payments, competitive loan limits, and options perfect for self-employed borrowers, investors, and second home buyers . Whether you're renovating, consolidating debt, or funding your next big move, this HELOC makes your equity work for you, on your terms.

Program Highlights

Bank Statement & Full Doc Options

Loan Structure & Use Revolving line of credit with interest-only payments during the draw period Loan terms from 15 to 25 years No restrictions on how you use the funds Credit scores starting at 700 Loan amounts up to $750,000 No TRID requirements — fast, flexible closings Must draw at least $100K at closing (minimum loan amount $125K) Qualifying Property Types This program is available for primary residences, second homes, and investment properties. You must have owned the property for at least 12 months, and only warrantable condos are eligible. Please note: Texas does not allow owner-occupied homes Tennessee only allows investment properties If the home was recently listed or transferred, a 6-month waiting period applies Appraisal Requirements For loans under $400K and CLTV 80% or less, you may qualify with a no-cost AVM (Automated Valuation Model). Larger loans or higher CLTVs require a full appraisal. All first-lien HELOCs need a full appraisal. Transferred appraisals are allowed on a case-by-case basis from approved AMCs.

Whether you're self-employed with complex income or a W-2 earner with straightforward paperwork, this HELOC meets you where you are. Borrowers can qualify using 12 or 24 months of personal or business bank statements , making it an ideal solution for entrepreneurs, freelancers, and business owners who may not show traditional income on tax returns. Prefer the standard route? Full documentation is also accepted, allowing W-2 employees or self-employed borrowers with strong tax returns to qualify using traditional income verification. No matter your situation, we’ve got an option that fits. Keep in Mind - Before You Apply To qualify for this HELOC, borrowers need a minimum credit score of 700 and a maximum debt-to-income ratio (DTI) of 45%. You’ll need to show at least $2,500 in monthly residual income (or $3,500 if your DTI exceeds 45%) and have six months of mortgage payment reserves on hand. The combined loan-to-value (CLTV) can go up to 85%, offering access to significant equity. A 24-month mortgage history is required , and draws from the HELOC aren’t allowed for 90 days after closing. Keep in mind: this program isn’t available for homes held in LLCs, corporations, partnerships, or irrevocable trusts. It also can't be used if your first mortgage is negatively amortizing or a balloon loan that extends beyond its original term.

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