• 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 final 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 Lending, LLC. For NFM Lending, LLC's full agency and state licensing information, please visit nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893. For licensing info, go to: www.nmlsconsumeraccess.org. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. www.nfmlending.com. Copyright © 2026 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. 

    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. The Annual Percentage Rate (APR) 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. Interest rates are subject to change daily and without notice. Cancellation of mortgage insurance has restrictions including home equity requirements. This is a co-marketing advertisement with Reliant Homes

    For a limited time, NFM Lending is offering below-market interest rates valid on new home contracts for eligible properties closing by 12/31/2026 (the “Promotion”). NFM Lending has locked in fixed interest rates using a pool of funds. Interest rates are only available through NFM Lending until funds are either depleted or rates expire. 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 of up to $25,000 can be redeemed once the loan closes with NFM Lending Branch GA803 located in 120 2nd Street, Suite 100, Monroe, GA 30655. The credit will be applied in the final closing disclosures as a separate line item of up to $25,000. 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. This credit expires at 11:59pm. EST on 12/31/2016. Some restrictions apply. NFM Lending LLC is not affiliated with any real estate companies. You are entitled to shop around for the best lender/builder/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.

    The document is not an advertisement for credit and is not a commitment to lend on these terms. This document is based on Deal Details mortgage calculator and is intended for educational use only.

    MAC0926_4555166014 

  • 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 final 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 Lending, LLC. For NFM Lending, LLC's full agency and state licensing information, please visit nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893. For licensing info, go to: www.nmlsconsumeraccess.org. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. www.nfmlending.com. Copyright © 2026 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. 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.  This scenario is based $349,061 loan amount with a $12,443 down payment, a 5.99% interest rate, and 6.776% APR.

    Special Program Information
    Loan program includes a temporary buydown. The buydown type is a 3-2-1 buydown. This temporarily reduces your interest rate for the first three years of the loan term. The interest rate in the first year of the loan will be 3.000% lower than the note rate. The interest rate in the second year of the loan will be 2.000% lower than the note rate. The interest rate in the third year of the loan will be 1.000% lower than the note rate.

    Special Program Instructions
    FHA requires an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the base loan amount.  The base loan amount for this scenario is $343,058. The total loan amount of $349,061 includes an UFMIP of $6,004.

    The document is not an advertisement for credit and is not a commitment to lend on these terms. This document is based on Deal Details mortgage calculator and is intended for educational use only.

     Element Home Loans; Company NMLS ID # 2893; 155 Bankers Blvd,
    Monroe, GA 30655 

    MAC0826_4546194262 

  • The calculations, estimates, and fields generated by this interactive loan calculator are provided for illustrative and educational purposes only. The results are hypothetical rough approximations based on standard mathematical formulas and the specific criteria or options selected by the user. This tool does not provide financial or legal advice, and its outputs do not represent a commitment, guarantee, or offer to lend by any financial institution.

    User-Modified Inputs: By altering the loan terms, interest rates, down payments, or amortization periods, you acknowledge that the resulting figures are entirely simulated based on your inputs. They do not reflect real-time market pricing or terms for which you may actually qualify.

    Exclusion of Fees and Taxes: This calculator may not factor in additional real-world costs such as loan origination fees, closing costs, state or local taxes, property or hazard insurance, private mortgage insurance (PMI), or loan servicing fees. Excluding these variables means your actual payment obligations may be significantly higher than the estimate shown.

    No Pre-Qualification or Eligibility Guarantees: Qualification for financing is dependent on a variety of personal factors, including but not limited to market conditions, credit history, income verification, debt-to-income ratios, property value, and underwriting guidelines. Using this calculator does not pre-qualify you for any financial product. 

    Accuracy Disclaimer: While we strive to maintain functional calculation tools, we make no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of the results. Minor discrepancies may arise due to rounding differences, varying compounding intervals, or state-specific regulatory calculations (such as interest accrual methods).