*To qualify, borrowers must meet underwriting, credit, income, and minimum investment requirements, and the loan must meet all applicable program guidelines. Eligible clients who close on a loan with Atlantic Coast Mortgage, LLC (“ACM”) may receive a lender credit equal to 0.25% of their loan amount, up to $7,500, to help reduce closing costs.

This offer is available exclusively to employees of participating organizations and must be accessed by submitting a new application through the designated program link or by referencing the promotion when speaking with an ACM loan officer. This offer is valid for new applications submitted on or after April 15, 2025, and cannot be applied to previously submitted, locked or closed loans. Offer does not apply to housing finance agency, short-term bridge, construction, business purpose, and brokered loans. Program terms are subject to change or withdrawal at any time without notice.

The reverse mortgage 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. If the borrower defaults, the home may be foreclosed upon, which could result in the loss of homeownership. This information has not been reviewed or approved by HUD, FHA, or any government agency, and Atlantic Coast Mortgage, LLC (“ACM”) is not affiliated with these entities.

REFINANCING AN EXISTING MORTGAGE MAY INCREASE YOUR TOTAL FINANCE CHARGES OVER THE LIFE OF THE LOAN. Your actual rate, payment, and costs will vary based on factors such as your credit profile, loan amount, loan-to-value ratio, debt-to-income ratio, and property type. A cash-out refinance replaces your current mortgage with a new, larger loan, allowing you to access the difference as cash. The interest rate on your new loan may be higher or lower than your existing rate, potentially affecting your monthly payment and overall loan costs.

This is not a commitment to lend. Before proceeding, we encourage you to carefully review all loan terms and disclosures, including a Loan Estimate, which provides a detailed breakdown of rates, fees, and costs. Contact ACM for a personalized assessment based on your financial situation.

Notice: ACM is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, or the federal or any state government. Eligibility for all applicants cannot be guaranteed.