Disclaimer: *Financing provided by Embrace Home Loans, Inc. (NMLS #2184) For information please contact Susan Banville (NMLS #1192567) by phone at (703.403.8336) or online at https://www.embracehomeloans.com/Susan-Banville. Integrity Homes does not take mortgage applications and is not affiliated with Embrace Home Loans, Inc. Integrity Homes does not require customers obtain financing from Embrace Home Loans, Inc. or guarantee its products or services.This is not a commitment to lend. Subject to underwriting approval and other conditions. Limited funds available.

Eligibility. Available for Conforming (min. 740 FICO) and FHA transactions (min. 660 FICO) only. Loan amount must be between $300,000 and conforming limits. Must have a completed application in process with lender 30 days prior to rate lock, and close by 12/30/24.

Assumptions. The monthly payment on a $883,698 loan amount (900,000 purchase price) 30 FHA year fixed-rate mortgage at an interest rate of 4.99% with a 96.5% loan-to-value (LTV) would be $4,738.49 with zero points due at closing and an Annual Percentage Rate (APR) of 5.922%. Payment does not include taxes, insurance premiums and certain other fees that will result in a higher monthly payment. This program allows for a seller paid 2/1 buy down. The effective rate for the first year will 2.99% and 3.99% for the second year. The 30 year fixed rate remains at 4.99% and will be the note rate.

Assumptions are based on current market rates and other factors. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, it will increase the APR and monthly payment. Terms are subject to change without notice and may not be available at the time of application. Loan amount and other restrictions may apply in certain areas.

Offers cannot be combined