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1In partnership with Clear Choice Credit Corp. 2In partnership with Reltco. $300 flat closing fee in New Jersey. 3Eligible for loan applications after August
28, 2018. Loans must close by December, 31 2018. 4This is not a GSE-eligible product. Conforming in all material respects except for loan amount in certain
markets. This information is provided to mortgage and real estate professionals only and is not intended nor is it authorized for consumer distribution.