(978) 376-5389 NMLS #56904

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NFM Lending, LLC NMLS #2893

NMLS #56904

Contact Us

Christopher Graves | CMA, NMLS #56904

46 Lowell Road, Unit 2

Windham, NH 03087

Cell: (978) 376-5389

[email protected]

Disclaimers

*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. 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. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please ask your loan officer. 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. 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. 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. 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. 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. *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. Cancellation of mortgage insurance has restrictions including home equity requirements. 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 financials 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. 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 he websites displayed. VA 580 FICO - *Purchases only, must have Automatic Underwriting System (AUS) approval. No cash-out under 600 FICO Rates/payments flyers. *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 FICO. †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. *Equity loan amount is based on clients individual equity position. 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. Special considerations and restrictions apply in many cases. No subordinate financing. Protected by The Digital Millennium Copyright Act of 1998
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