Rates, terms, and availability of programs are subject to change without notice. TRI Pointe Connect, LLC NMLS ID 1250459. AZ: Licensed by the AZ Department of Financial Institutions, Mortgage Banker 0929022. CA: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CA CFL 60DBO43177. CO: Licensed by the CO Department of Regulatory Agencies, Division of Real Estate as a Registered Mortgage Company. Regulated by the Division of Real Estate. MD: Licensed as a Mortgage Lender by the Commissioner of Financial Reg-ulation No. 21610. NV: Licensed by the NV Department of Business and Industry Division of Mortgage Lending, Mortgage Banker 4199. TX: Licensed by the TX Department of Savings and Mortgage Lending under a Mortgage Banker Registration. VA: Licensed by the VA Bureau of Financial Institutions MC-5903. To verify a license please visit www.nmlsconsumeraccess.org. WA: Licensed by the WA State Department of Financial Institutions, Consumer Loan Company CL-1250459.

WHAT IS AN FHA LOAN?An FHA loan is a type of mortgage that is insured by the Federal Housing Administration of the U.S. Department of Housing and Urban Development (HUD).If you are looking to buy a home, but worry that your low credit rating or debt to income ratio may stand in the way, you may be eligible for an FHA loan. Although there are still limits to how much you can borrow, FHA loans typically require a lower down payment.

Since 1934, FHA loans have made it easier for all types of people, first-time homebuyers and senior citizens to realize their dream of homeownership. We are dedicated to finding the dream loan for your dream home.

Benefits• Down payments as low as 3.5%

• Low minimum credit scores

• 1-4 unit owner-occupied residences

• Gifts allowed

• Non-occupant co-signors allowed

• Ability to add home repair costs to loan

Considerations• Annual up-front mortgage insurance premiums are required

• Maximum loan amounts vary by state and county

• Homebuyer education courses or minimum credit score requirements may apply

• Down payment assistance may or may not be available in your area

*This is not a commitment to lend. All approvals are subject to underwriting guidelines. Restrictions apply. Rates may vary depending on creditworthiness, down payment, loan amount and loan program. TRI Pointe Connect is not acting on behalf of or at the direction of HUD/FHA or the federal government. (10078v1)