Atlantic Coast Mortgage, LLC (“ACM”) is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, or the Federal or State Government.

USDA loans include a one-time upfront guarantee fee equal to 1% of the total loan amount and an annual fee of 0.35% of the outstanding loan balance, paid monthly as part of your mortgage payment. Income and property eligibility requirements apply. For full details, visit https://eligibility.sc.egov.usda.gov.

Private mortgage insurance (PMI) is generally required for conventional loans when the down payment is less than 20%. If your monthly mortgage payment includes property taxes, your lender will deposit those funds into an escrow account and pay the taxes on your behalf when due.

VA loans require a one-time funding fee, which helps offset the cost of the program to taxpayers. The amount of the funding fee varies based on factors such as down payment amount, loan type, and whether the borrower has previously used VA loan benefits. This fee may be financed into the loan amount. Certain veterans may be exempt. Contact your loan officer for details.

Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. Contact a loan officer today to explore your financing options. This is an advertisement and is not a commitment to lend. | Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal