OneTrust HOME LOANS NMLS# 46375 SILVERBROOK REALTY UAIL MEADOWS SPECIAL RATE OFFER 4.875% / 5.766%* INTEREST RATE 3426 APR 30-YEAR FIXED RATE PERMANENT FINANCING FOR QUALIFIED BORROWERS MONTHLY SAVINGS COMPARISON CHART 3426 Baneberry Lane Scenario 1 - FHA Scenario 2- FHA Kalispell, MT 59901 Rate Purchase Price Monthly Principle & Interest Payment 6.875 (7.810 APR)* 4.875 (5.766 APR)* $579,000 $579,000 $3,734.72 $3,008.61 Discount Points Paid 1.5 1.5 % Down 3.5% $20,265 3.5% $20,265 Potential Monthly Savings $0 $726 LOCATED ON TRONSTAD ROAD JUST EAST OF US-93 QUAILMEADOWSMT.COM NMLS #1951881 Beth Tullis, Loan Officer BTullis@onetrusthomeloans.com (406) 607-9190 onetrusthomeloans.com/contact/btullis Larry Sartain, Broker/Owner Silverbrook Realty larry@silverbrookrealty.com (406) 871-5000 silverbrookrealty.com 1205 S Main Street, Suite 102, Kalispell, MT 59901 Regulated by Montana Division of Banking & Financial Institutions, License # 2472138. CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS # 46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. *Scenario 1: The advertised loan is a FHA 30- year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 6.875% for 360 months. The disclosed APR is based on the payment of 1.5 discount points. For a $558,735 loan, there is a 7.810% APR with a monthly principal and interest payment of $3,734.72 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 96.5% loan-to-value (LTV), a minimum FICO score of 620 on a primary residence. Scenario 2: The advertised loan is a FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 4.875% for 360 months. The disclosed APR is based on the payment of 1.5 discount points. For a $558,735 loan, there is a 5.766% APR with a monthly principal and interest payment of $3,008.61 for 360 months. Interest rate quoted assumes a purchase with 30-day lock pricing at 96.5% loan-to-value (LTV), a minimum FICO score of 620 on a primary residence. The actual interest rates, APRS, and payments may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Payments shown do not include taxes and insurance, actual payment obligations will be greater. This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing. Not all applicants will qualify. Rates and tems are subject to change without notice. Other terms are available. The home loan application must be dated on or before June 18, 2025, and must fund with One Trust Home Loans to receive the promotional rate. This offer cannot be combined with other promotions. Other restrictions may apply; please ask your Mortgage Loan Onginator for more details. The promo is subject to change without notice. EQUAL HOUSING OPPORTUNITY R REALTOR OneTrust HOME LOANS NMLS # 46375 SILVERBROOK REALTY UAIL MEADOWS SPECIAL RATE OFFER 4.875 % / 5.766 % * INTEREST RATE 3426 APR 30 - YEAR FIXED RATE PERMANENT FINANCING FOR QUALIFIED BORROWERS MONTHLY SAVINGS COMPARISON CHART 3426 Baneberry Lane Scenario 1 - FHA Scenario 2- FHA Kalispell , MT 59901 Rate Purchase Price Monthly Principle & Interest Payment 6.875 ( 7.810 APR ) * 4.875 ( 5.766 APR ) * $ 579,000 $ 579,000 $ 3,734.72 $ 3,008.61 Discount Points Paid 1.5 1.5 % Down 3.5 % $ 20,265 3.5 % $ 20,265 Potential Monthly Savings $ 0 $ 726 LOCATED ON TRONSTAD ROAD JUST EAST OF US - 93 QUAILMEADOWSMT.COM NMLS # 1951881 Beth Tullis , Loan Officer BTullis@onetrusthomeloans.com ( 406 ) 607-9190 onetrusthomeloans.com/contact/btullis Larry Sartain , Broker / Owner Silverbrook Realty larry@silverbrookrealty.com ( 406 ) 871-5000 silverbrookrealty.com 1205 S Main Street , Suite 102 , Kalispell , MT 59901 Regulated by Montana Division of Banking & Financial Institutions , License # 2472138. CalCon Mutual Mortgage LLC , dba OneTrust Home Loans is an Equal Housing Lender NMLS # 46375 ; 3838 Camino del Rio N Suite 305 , San Diego , CA 92108. Corporate phone ( 888 ) 488-3807 . For more licensing information visit : https://onetrusthomeloans.com/licensing-information/ . * Scenario 1 : The advertised loan is a FHA 30- year Fixed Rate Loan with a 30 - year fully amortizing term . The interest rate is 6.875 % for 360 months . The disclosed APR is based on the payment of 1.5 discount points . For a $ 558,735 loan , there is a 7.810 % APR with a monthly principal and interest payment of $ 3,734.72 for 360 months . Interest rate quoted assumes a purchase with 30 - day lock pricing at 96.5 % loan - to - value ( LTV ) , a minimum FICO score of 620 on a primary residence . Scenario 2 : The advertised loan is a FHA 30 - year Fixed Rate Loan with a 30 - year fully amortizing term . The interest rate is 4.875 % for 360 months . The disclosed APR is based on the payment of 1.5 discount points . For a $ 558,735 loan , there is a 5.766 % APR with a monthly principal and interest payment of $ 3,008.61 for 360 months . Interest rate quoted assumes a purchase with 30 - day lock pricing at 96.5 % loan - to - value ( LTV ) , a minimum FICO score of 620 on a primary residence . The actual interest rates , APRS , and payments may vary based on the specific terms of the loan selected , verification of information , your credit history , the location and type of property , and other factors as determined by the Lender . Payments shown do not include taxes and insurance , actual payment obligations will be greater . This is an FHA program . Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing . Not all applicants will qualify . Rates and tems are subject to change without notice . Other terms are available . The home loan application must be dated on or before June 18 , 2025 , and must fund with One Trust Home Loans to receive the promotional rate . This offer cannot be combined with other promotions . Other restrictions may apply ; please ask your Mortgage Loan Onginator for more details . The promo is subject to change without notice . EQUAL HOUSING OPPORTUNITY R REALTOR