Earn up to $7,500 in lender credits toward closing costs on home loans

Redemption Instructions See website for full eligibility details. Call (888) 296-9563

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Get rewarded for taking the next step towards your homeownership goals—whether you’re purchasing a new home or refinancing the home you love. ACM is offering an exclusive lender credit of 0.25% of your loan amount—that’s up to $7,500 on up to a $3 million home loan—to help cover closing costs on your new purchase or refinance loan.

Traditional Mortgages – Buy or Refinance Ready to buy your dream home or lower your current mortgage payment? With today’s market options, a traditional mortgage can help you:

• Purchase a new home with competitive rates and flexible programs.
• Refinance to lower your monthly payment or shorten your loan term.
• Access cash through a cash-out refinance to pay off debt, renovate, or invest.

Whether you’re a first-time buyer or looking to refinance, our team makes the process simple so you can focus on your goals.

Reverse Mortgages – Unlock Your Home’s Equity If you’re 62 or older, a reverse mortgage can turn your home’s equity into cash — without having to sell or take on monthly mortgage payments. Use the funds to:

• Supplement retirement income.
• Pay off an existing mortgage and eliminate monthly payments.
• Cover expenses like healthcare, travel, or home improvements.

It’s your home. Let it work for you while you stay right where you are.

Why Choose ACM? They provide each client with:

• Homebuying Education
• Reassurance and Peace of Mind
• Speed of Service and Response Times
• Quick, Clear, 24-7 Status Updates
• Fast Pre-Approvals

With ACM, they're here to make homeownership more rewarding—right from the start.

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Making a Difference by Giving Back:

Working with ACM means giving back to those who need it most. As part of their commitment to supporting families in need, they make donations to Children’s Miracle Network Hospitals throughout the year—helping provide care, comfort, and hope to children and families who find themselves spending days, weeks, and too many times months away from their homes facing medical challenges.

Offer Restrictions and Other Notices

*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.

Refinancing an Existing Mortgage May Increase Your Total Finance Charges Over the Life of the Loan.

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. ACM is an Equal Housing Lender | 4097 Monument Corner Drive, Suite 600, Fairfax, VA 22030 | Company NMLS 643114 (For licensing information, go to:www.nmlsconsumeraccess.org) | Read ACM’s Privacy Policy here:www.acmllc.com/privacypolicy| Licensure & Product Disclaimers & Disclosures:www.acmllc.com/legal

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