Licensure and Product Disclaimers and Disclosures

Licenses

Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | 866-311-8627

Atlantic Coast Mortgage, LLC markets certain of its products and services under the trade name, Nucasa Mortgage. In Pennsylvania Atlantic Coast Mortgage, LLC markets certain of its products and services under the trade name, ACM, LLC of PA. In Connecticut Atlantic Coast Mortgage, LLC markets certain of its products and services under the trade name, ACM, LLC of CT.

State of Illinois / Community Reinvestment Notice

For licensing information, go to: nmlsconsumeraccess.org

Regulator Contact: Illinois Department of Financial and Professional Regulation, Division of Banking, 555 W. Monroe St., 5th Floor, Chicago, IL 60661 – 1-888-473-4858

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. (Source: P.A. 101-657, eff. 3-23-21.)

Texas Complaints/Texas Recovery Fund

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV

Atlantic Coast Mortgage, LLC is licensed by:

Disclaimers & Disclosures

Bridge Loan Disclaimer

The borrower pays only the interest on the mortgage through monthly payments for the fixed term of the loan. The borrower is required to pay off the principal of the loan. The borrower is also required to make a one-time balloon payment due 6 months from the date of closing.

Co-Brand / No Affiliation

Realtor and Lender have no affiliation and the consumer is not obligated to use one or the other to purchase a property.

Construction Lock Disclaimer

Lock options are subject to borrower, property, and builder eligibility. An upfront fee is required at the time of lock-in and applied to closing costs.

FHA Workplace Disclaimer

FHA Back to Work guidelines vary, please contact your Loan Officer for additional details.

Government Disclosure

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

Long Term Lock Disclaimer

Lock options are subject to borrower and property eligibility. An upfront fee is required at the time of lock-in and applied to closing costs for all long-term rate lock opportunities. If the borrower does not close with ACM under the program locked, the borrower forfeits this fee.

PMI Disclosure

Private mortgage insurance is required if you make less than a 20% down payment.

Program Disclaimer

Not all applicants will qualify. Advertised rates, fees, and program guidelines are subject to change without notice.

Refinance Disclaimer

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Reverse Mortgage Disclosure

The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. This material is not from HUD or FHA and has not been approved by HUD or any government agency. Atlantic Coast Mortgage is not affiliated or acting on behalf of FHA or any Federal or Government Agency.

Standard Disclaimer ARM

The simple interest rate can change after the initial fixed period, and more than one simple annual rate may apply over the term of the loan. At adjustment(s) an ARM’s rate is calculated by adding the associated market index to the loan program margin. Consult your loan officer for details on ARM offerings.

Standard Rate Disclaimer Start

The advertised rate of interest and annual percentage rate (APR) may increase, change or not be available at the time of loan commitment, lock-in or closing.

Tax Disclosure

Atlantic Coast Mortgage does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.

Rate Saver+ Terms and Conditions

1. Atlantic Coast Mortgage, LLC (“ACM”) is offering qualified borrowers who close on a purchase mortgage loan with ACM (the “Mortgage Loan”) certain lender-paid credits subject to the limits set forth at section 2 below (the “Offer”).
2. The Offer consists of up to an aggregate of $1,570 in lender paid credits provided by ACM and used by the customer to offset ACM’s standard application and processing fees assessed the first time the Mortgage Loan is refinanced with ACM (the “Refinance”), which must close on or before the second anniversary of the closing date of the Mortgage Loan.
3. Discount points are excluded and are the responsibility of the consumer/borrower.
4. The Mortgage Loan may only be refinanced with ACM after seven (7) consecutive monthly mortgage payments have been timely made, but before the second anniversary of the date of the Mortgage Loan (“Refinance Period”) in order to qualify for the lender credit.
5. To be eligible for and receive the Offer, a borrower must:
   1. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing a primary residence, second home or investment property located in a state where ACM is licensed to originate mortgage loans;
   2. Successfully close on their Mortgage Loan with ACM between April 15, 2025 and September 30, 2025;
   3. Successfully make their first seven (7) consecutive monthly payments on the Mortgage Loan;
   4. Refinance their Mortgage Loan with ACM during the Refinance Period; and
   5. Contact ACM prior to locking in the interest rate of the first refinance of their Mortgage Loan and inform ACM that they would like to redeem the Offer.
6. The Offer may not be combined with any other offers, promotions, or concessions. The Offer is only redeemable for a qualified borrower’s first refinance of the Mortgage Loan during the Refinance Period and is not redeemable for subsequent refinances. All applications are subject to underwriting and credit approval. Lender paid credits in excess of the assessed Lender application and processing fees will not be provided in any form of cash back or other consideration.
7. ACM is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
8. THIS IS AN ADVERTISEMENT AND NOT A COMMITMENT TO LEND. ATLANTIC COAST MORTGAGE, LLC RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Atlantic Coast Mortgage, LLC, 4097 Monument Corner Drive, Suite 600, Fairfax VA, 22030. Phone: (703) 592-6235. Toll-Free: (866) 311-8627. Equal Housing Lender. NMLS # 643114 (www.nmlsconsumeraccess.org).

VA Home Loan Funding Fee:

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.