<!-- <p style="text-align: center; font-weight: bold; line-height: 10px;">Locks Are Best Efforts</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">All programs have a 640 minimum FICO requirement</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">* Borrower Assistance will be paid by JPFA at closing. DPA is in the form of a 3-year forgivable 2nd mortgage</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">** For FHA loans, Borrower income must be =<140% AMI, currently $98,140</p> <p style="text-align: center; line-height: 10px;">For Fannie Mae HFA Preferred and Freddie Mac HFA Advantage loans, income must be =<80% AMI, currently $56,080</p> <p style="text-align: center; line-height: 10px;">Fannie Mae loans with standard MI are available for Borrowers with income over 80% AMI</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">***Loans MUST BE PURCHASED by US Bank as master servicer NO LATER than 70 days from the Rate Lock Date<</p> <p style="text-align: center; line-height: 10px;">(applies to both rate lock and purchase by servicer)</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">Lender is permitted to set its own rate lock to the Borrower, as long as it provides sufficient time after closing to account for</p> <p style="text-align: center;">loan delivery to and review by U.S. Bank, the clearing of all suspense itemsn and funding withing the 70-day timeline</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">****SRP paid at the time the loan is purchased</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px; font-weight: bold;">30-day extensions available, $375 Extension Fee</p> <p style="text-align: center; line-height: 10px;">Fee will be netted out of the Purchase Price</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px; font-weight: bold;">Rate Lock-In Process:</p> <p style="text-align: center; line-height: 10px;">Lock requests submitted through eHousing Plus and confirmation will be emailed within 1 hour of submission</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px; font-weight: bold;">MORTGAGE RATES ARE SUBJECT TO CHANGE BASED ON MARKET CONDITIONS</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">Interest Rate Notice Expires at 7:00 PM CT on the Interest Rate Notice Date</p> <p style="line-height: 20px;"> </p> <p style="text-align: center; line-height: 10px;">Contact for questions: DeDe Cross 720-673-3947</p> <p style="line-height: 20px;"> </p> -->
