Mission Mortgage Group Realtor Presentation by NAFMidwest

ALLOW US TO RE-INTRODUCE OURSELVES... SAME TEAM. SAME CONTACTS. SAME UNMATCHED COMMITMENT. NOW OFFERING LOAN SERVICING!!

Sarah Burckhard Branch Manager NMLS# 766557

701-240-1778

Jocelyn Herslip

Dianne Benson

701-770-8038

702-553-5118

Sr. Loan Consultant NMLS# 1674445

Nathan Vetter

Loan Consultant NMLS# 2718635

701-204-3820 1

Loan Consultant NMLS# 1669420

Jeri McQuade

Sr. Processor Operations Manager

701-721-8215

Milestone Updates New American Funding keeps you top of mind with co-branded Loan Status update emails to keep the client in the loop every step of the way.

Co-branded closing cards are mailed to our mutual clients with information on how to download closing documents.

Personalized co-branded greeting cards sent to clients for years after a loan closes on birthdays, holidays and loan anniversaries.

Connectivity. Visibility. Control.

What is NAF Connect?

NAFConnect is a platform for Real Estate Agents (REA) to connect to NAF Loan Officers.

Client Management

Document Tracking

Loan Updates

Pre-Approval Letters

Help clients navigate the loan process and communicate with New American Funding.

View your client's loan status and receive notifications as it moves across key milestones.

Notifications

See documents needed by the New American Funding processing team.

Generate, edit, and download pre-approval letters at the click of a button.

Receive notifications when new milestones are completed and watch real-time loan status updates to keep you and your client up-to-date on the status of their loan.

877-810-5645 NMLS#6606

Notes

Loan Programs

Your Purchase Lender Standard Programs Conventional • • • •

Down Payment as Low as 3% Fixed or Adjustable Rates Down Payment Assistance Programs Available Non-Occupying Co-Borrowers Allowed

FHA • • • •

Down Payment as Low as 3.5% Lower Credit Score Flexibility Higher Allowable Debt to Income Ratios 100% Financing with DPA

VA • • •

100% Financing No Monthly Mortgage Insurance Premiums Flexible Underwriting Guidelines

USDA • • •

100% Financing Lower Credit Score Flexibility Gifts for Closing Costs Allowed

Jumbo • • • •

Borrow up to $3 Million Credit Score as Low as 700 Eligible for Primary Residence, Second Home or Investment Property Warrantable and Non-Warrantable Condos Permitted

Specialty Programs •

NAF Cash®

Allows Buyer to Become a Cash Buyer • Buyer Can Purchase New Home Without Selling Current Home • Conventional and VA Loans Allowable

Lock In & Float

•

• Lock In Your Rate - Rate Can’t Increase If Rates Improve during Locked Period, You Can Float Down to a Better Rate

•

• •

Bank Statement Program

Self Employed Borrowers can use Business Bank Statements to Qualify Purchase New Home Without Selling Current Home – Exclude Payment in Debt to Income Ratio • Purchase, Refinance or Cash-Out Primary, Second Home or Investment Property Eligible

•

NAF Bridge Loan

Use Equity From Your Existing Home Towards the Purchase of a New Home • Ability to Present a Strong Non-Contingent Offer, Giving You a Competitive Edge in the Market • No Monthly Payments During the Loan Term Reducing the Financial Stress of managing Two Mortgage Payments

Buydown Options

•

• Lower Interest Rate for the First Few Years of Mortgage Available on Conventional, FHA VA and USDA Loan Products • 1/0, 1/1/1, 2/1, and 3/2/1 Buydown Options Available

•

Down Payment Assistance

Additional Funds for Down Payment and Closing Costs • Chenoa • NAF Pathway Product Suite

Recast Option

• Borrower can Reduce the Principal Balance New American Funding will Re-Amortize the Loan based on the Remaining Term and Payments will be Reduced Multiple Recasts can be Completed during the Life of the Loan • PMI can be Eliminated in Some Scenarios •

• 11

LICENSED IN ALL 50 STATES

$700 Closing Cost Credit

for Our Hometown Heroes You’ve dedicated yourself to helping others—now let us help you. Eligible Veterans, Police Officers, Firefighters, EMTs, Paramedics, Nurses, Teachers, and other first responders can receive a $700 Closing Cost Credit toward the purchase of a home.

Because Heroes Deserve a Place to Call Home.

This credit applies to Purchase Applications submitted prior to 12/31/2026. Not available on Down Payment Assistance or Broker Loans. Terms and Conditions Apply. This is not a commitment to lend. Not valid with any other pricing special, offer or discount. Due to maximum seller concession rules applicable to purchase loan transactions, this discount could be less than $700 in some cases where other concessions have been made to the consumer. Please consult your loan officer with questions about these maximum seller concession rules. Closing credit has no cash value and is void where prohibited. Not available in New York and Hawaii. NAF reserves the right to amend, terminate, or withdraw this credit special at any time. © 2026 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 1 MacArthur Place, Suite 800, Santa Ana, CA 92707 www.newamericanfunding.com. Phone: (800) 450-2010. 04/2026.

NMLS#6606

The New Way to Buy a Home

New American Funding Can Show You How to Turn Your Clients into Cash Buyers Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help your clients save up to 11% over those using a traditional mortgage.1 With NAF Cash®, an affiliated company of New American Funding, your buyer can make a competitive, true cash offer that is not contingent on financing and close in as little as seven days. You know what that means for you.

BENEFITS • Clients can buy their new home before selling their current home • Sellers may be more likely to offer concessions to cash buyers • Get commissions quickly • Use potential savings to buy down interest rate • No fees for agents • Close on more homes faster

NMLS#6606

Turn Your Clients Into Cash Buyers Follow these steps to make your buyer a cash buyer with NAF Cash®! STEP 1

Get Certified Join a FREE 45-minute NAF Cash® LLC training.

STEP 2

Get Your Client Pre-Approved Get your client pre-approved with New American Funding!

STEP 3

Complete NAF Cash® Documents Work with your NAF Cash® Transaction Coordinator to submit the required documents.

STEP 4

Get Ready to Write Cash Offers Your NAF Cash® Transaction Coordinator will notify you once the client has been approved and they can begin making a cash offer.

STEP 5

Offer Accepted Close and move in quickly! At this point, you will work closely with your NAF Cash® Transaction Coordinator.

#makeyourbuyeracashbuyer 16

$541,287 17

Notes

100% Financing Help More Buyers Today! Grow Your Business & Help Clients Achieve Homeownership. NAF Pathway 100 Program helps eligible buyers cover their down payment, closing costs, and prepaid expenses with program not only provides your buyers with an accessible path to homeownership, but also expands your business by

HIGHLIGHTS • Up to 100% Financing • 3.5% or 5% in Down Payment Assistance • Owner-Occupied Only

• Minimum Credit Score of 580 • No Income Restrictions • 2-1 temporary buydown available • 10-year repayable second lien

PROPERTY TYPES

Single-Family Homes

Manufactured Homes

Condos

PUDs

1-4 Unit FHA-Approved Properties

We can help your buyers with

Jumbo Home Loans from New American Funding

If your clients want a home in a premium neighborhood, are ready to buy a vacation home, or want to expand their real estate portfolio, our flexible Jumbo loans could be just what they need. With loans up to $5 million and alternative qualifying income options, your clients can buy more with New American Funding!

OUR JUMBO HOME LOANS DELIVER MORE! Up to $5 million Down payments of as little as 10% Debt-to-income ratio up to 50% Credit score as low as 620 Cash-out Refi up to 85% Options for bank statements, 1099, asset verification, and DSCR Primary, secondary, & investment properties Available for 1 - 4 unit single-family, condos, modular homes, and townhomes NMLS#6606

Do You Have Buyers Ready For a Bigger Home,

Investment Property,

or Vacation Home?

MEDICAL PROFESSIONAL LOAN PROGRAM $0 Down Payment – No Mortgage Insurance $2 Million Maximum Loan Amount Fixed Rate and ARM Options Available ELIGIBLE PROFESSIONALS:

• • • • • • • • • • •

Medical Doctor (MD) Doctor of Osteopathy (DO) Doctor of Dental Science or Surgery (DDS) Doctor of Dental Medicine (DMD) Doctor of Ophthalmology (MD or DO) Doctor of Psychiatry (MD or DO) Doctor of Pharmacy (PharmD) Doctor of Veterinary Medicine (DVM) Doctor of Podiatric Medicine (DPM) Certified Registered Nurse Anesthetist (CRNA) Medical residents, fellows, or interns with one of the above degrees

Mortgage Recasting: What You Should Know A mortgage recasting, or loan recast, is when a borrower makes a large, lump-sum payment toward the principal balance of their mortgage and the lender, in turn, reamortizes the loan. This means that your loan and payments are reduced to reflect the new balance. It allows borrowers the opportunity to close with just 5% down. Once the current home is sold, borrower can recast to use the proceeds from the sale to buy down the principle balance to reduce monthly payment and eliminate PMI.

Recasting Highlights:

•

Minimum of $5000 principal reduction

•

$300 Nominal fee

•

Borrower can reduce the principal balance

•

New American Funding will re-amortize the loan based on the remaining term and payments will be reduced

•

Recast for Conventional Loan (Freddie Mac and Fannie Mae)

•

Multiple Recasts can be completed during the life of the loan

•

Only one document is needed for recast: Borrowers must provide a Recast Modification Agreement which they will execute and have notarized

•

The first principal and interest payment must be made on the original note

•

PMI can be eliminated in some scenarios

Buydown Programs

Temporary Buydown A temporary buydown lowers the effective interest rate for the first few years of the mortgage. This reduction is a result of the deposit of a lump sum into an escrow account, a portion of which is released each month to reduce the borrower’s payments. Temporary Buydowns can be used on Conventional, FHA, VA, and USDA Loan Products. These pages will focus on the Seller Paid Buydown.

Buydown Options 1/1/1 BUYDOWN

1/0 BUYDOWN

Year 1 - Monthly Payment calculated using a Rate 1% below Note Rate Year 2-30 - Monthly Payment would be calculated at the Note Rate EXAMPLE: Note Rate 6.625% Year 1 Rate 5.625% Year 2-30 Rate 6.625%

2/1 BUYDOWN

Year 1 - Monthly Payment calculated using a Rate 2% below Note Rate Year 2 - Monthly Payment would be calculated at 1% below Note Rate

Year 4-30 - Monthly Payment would be calculated at the Note Rate EXAMPLE: Note Rate 6.625% Year 1-3 Rate 5.625% Year 4-30 Rate 6.625%

3/2/1 BUYDOWN

Year 1 - Monthly Payment calculated using a Rate 3% below Note Rate Year 2 - Monthly Payment calculated using a Rate 2% below Note Rate Year 3 - Monthly Payment calculated using a Rate 1% below Note Rate

Year 3-30 - Monthly Payment would be calculated at the Note Rate

Year 4-30 - Monthly Payment would be calculated at the Note Rate

EXAMPLE:

Note Rate 6.625% Year 1 Rate 4.625% Year 2 Rate 5.625% Year 3-30 Rate 6.625% 25

Year 1-3 - Monthly Payment calculated using a Rate 1% below Note Rate

Note Rate 6.625% Year 1 Rate 3.625% Year 2 Rate 4.625% Year 3 Rate 5.625% Year 4-30 Rate 6.625%

Calculating Buydown Cost The cost of the Buydown is simply the difference between the BUYDOWN PAYMENT and the P&I PAYMENT using the Note Rate. The COST for the Seller is equal to the SAVINGS for the Buyer. See examples below.

COST OF 1/0 BUYDOWN EXAMPLE

Sales Price:

$400,000

Loan Amount:

$320,000

Note Rate:

6.625%

P&I Payment:

$2,049.00

1st Year Rate:

5.625%

1st Year P&I Payment:

$1,842.10

Buyer Monthly Savings $206.90

Cost Year 1: $2,049.00 - $1,842.10 = $206.90 X 12 Months = $2,482.80 TOTAL COST OF BUYDOWN = $2,482.80

COST OF 2/1 BUYDOWN EXAMPLE

Sales Price:

$400,000

Loan Amount:

$320,000

Buyer Monthly Savings

Note Rate:

6.625%

P&I Payment:

$2,049.00

1st Year Rate:

4.625%

1st Year P&I Payment:

$1,645.25

$403.75

2nd Year Rate:

5.625%

2nd Year P&I Payment:

$1,842.10

$206.90

Cost Year 1: $2,049.00 - $1,645.25 = $403.75 X 12 Months = $4,845.00 Cost Year 2: $2,049.00 - $1,842.10 = $206.90 X 12 Months = $2,482.80 TOTAL COST OF BUYDOWN = $7,327.80

Calculating Buydown Cost example cont.

COST OF 3/2/1 BUYDOWN EXAMPLE

Sales Price:

$400,000

Loan Amount:

$320,000

Buyer Monthly Savings

Note Rate:

6.625%

P&I Payment:

$2,049.00

1st Year Rate:

3.625%

1st Year P&I Payment:

$1,459.30

$589.64

2nd Year Rate:

4.625%

2nd Year P&I Payment:

$1,645.25

$403.75

3rd Year Rate:

5.625%

3rd Year P&I Payment:

$1,842.10

$206.90

Cost Year 1: $2,049.00 - $1,459.30 = $589.64 X 12 Months = $7,075.68 Cost Year 2: $2,049.00 - $1,645.25 = $403.75 X 12 Months = $4,845.00 Cost Year 3: $2,049.00 - $1,842.10 = $206.90 X 12 Months = $2,482.80 TOTAL COST OF BUYDOWN = $14,403.48

COST OF 1/1/1 BUYDOWN EXAMPLE

Sales Price:

$400,000

Loan Amount:

$320,000

Note Rate:

6.625%

P&I Payment:

$2,049.00

1st - 3rd Year Rate:

5.625%

1st Year P&I Payment:

$1,842.10

Buyer Monthly Savings $206.90

Cost Year 1-3: $2,049.00 - $1,842.10 = $206.90 X 36 Months = $7,448.40 TOTAL COST OF BUYDOWN = $7,448.40

Compare Buydown Savings to Lowering Sales Price by $10,000

Sales Price:

$400,000

Loan Amount:

$320,000

Note Rate:

6.625%

P&I Payment:

$2,049.00

P&I Payment with $400,000 Sales Price = $2,049.00 P&I Payment with $390,000 Sales Price = $1,997.77 DIFFERENCE IN P&I PAYMENT = $51.23

Check out the difference in savings!

Compare Buydown Savings cont.

2/1 BUYDOWN - BUYER MONTHLY SAVINGS ILLUSTRATION

HOUSE A

Sales Price:

$400,000

Down Payment:

$80,000

Loan Amount:

$320,000

1st Year Rate:

4.625%

1st Year P&I:

$1,645.25

2nd Year Rate:

5.625%

2nd Year P&I:

$1,842.10

Sales Price:

$390,000

Down Payment:

$78,000

Loan Amount:

$312,000

Interest Rate:

6.625%

P&I Payment:

$1,997.71

HOUSE B

1st Year - Buyer of House B is saving $403.75 per month Compared to Buyer of House A Savings of $51.23 per month 2nd Year - Buyer of House B is saving $206.90 per month Compared to Buyer of House A Savings of $51.23 per month 29

Marketing Available

Your Weekend Lender F R I D AY • S AT U R D AY • S U N D AY

We’re Ready for your call! Our entire team is on-call and available to assist you & your clients with their lending needs!

• Fast Pre-Approvals • Rate & Program Flyers • Open House Materials • Online Application Available

Call us on our cell phones! 31

Notes

YOUR PATH TO LOAN APPROVAL Save for a down payment

The more you save, the lower your monthly mortgage payment will be. Link your bank account, monitor your spending, gain spending insights, and create a budget.

Optimize your credit strengthen your credit and correct any errors. Work with a loan coach who knows credit like their ABCs.

Reduce your debt-to-income

The amount of debt you have compared to your income is one of the most important factors for

Why We Are Different • Get a $500 lender credit if you close on a home with New American Funding within two years of signing up with Uqual. • Get access to 1:1 coaching from a team of experts who is obsessed with your loan success. • Gain access to a Loan Readiness Score that shows you how close you are to reaching your loan goal.

How Uqual Works

1. WE MAKE A PLAN

It starts with a 1:1 call with an expert, giving you a clear path forward. Using artificial intelligence, we analyze your finances to create a strategy that will guide you on your path to loan readiness.

2. WE WORK TOGETHER

When we’re on your side, you’re on your way. We include an Action Plan that shows you step by step what you need to do to progress towards your goals. Plus, we accompany you to encourage and coach you throughout your journey.

3. YOU BECOME LOAN READY

We don’t just help you achieve your mortgage, we empower your financial future. As you progress in our program, you open new doors of opportunity to create wealth and be the best version of you, relieved of financial stress.

NMLS#6606

READY TO GET STARTED?

Talk to your New American Funding loan officer today

Cheat Sheet What?

Fannie

Freddie

FHA

Foreclosure

7 Yrs

3 Yrs

Short Sale

2 Yrs/4 Yrs LTV Restrictions & Ext Circumstances

CH 7 BKCY

4 Yrs from Discharge

2 Yrs from Discharge

Ch 13 BKCY

2 Yrs from Discharge Date; 4 Yrs from Dismissal

2 Yrs from Discharge

1 Yr of the payout must elapse and pmt history must be satisfactory

580

No Minimum

Minimum Credit Score

2 Yr Exception Possible

580

AUS Approval Required

500-579 scores permitted w/ additional factors

5% If Borrower Owned Property in Most Recent 3 Years

3.5%

Maximum Loan Amount

$845,000

$541,287

Seller Concessions

3% (>90% LTV) 6% (75-90%LTV) 9% (≤75% LTV)

Minimum Down Payment

NMLS#6606

3 Yrs

Exceptions Allowed

3% First-Time Homebuyer

What?

USDA

Jumbo

Foreclosure

2 Yrs

3 Yrs

Investor Specific

Short Sale

Underwriter Discretion

3 Yrs

Investor Specific

CH 7 BKCY

2 Yrs from Discharge

3 Yrs from Discharge

Investor Specific

Ch 13 BKCY

1 Yr of the payout must elapse and pmt history must be satisfactory

3 Yrs from Discharge

Usually 4-7 Yrs From Completion

Minimum Credit Score

Exceptions Allowed

580

620

Minimum Down Payment

10%

Maximum Loan Amount

No Maximum Loan Amount With Full Eligibility

Maximum Loan Amount Determined by USDA Income and Ratio Limits

$10 Million

Seller Concessions

Investor Specific

500

Equal Housing Opportunity. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. All mortgage loan products are subject to credit and property approval. © 2026 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. 1 MacArthur Place, Suite 800, Santa Ana, CA 92707 naf.com. (800) 450-2010. Not available in: DC, NY, MA, TX, Guam, Puerto Rico, or U.S. Virgin Islands. Borrower is obtaining a bridge loan secured by their current primary residence to use the cash out proceeds towards the purchase of their new primary residence while they await the sale of their current primary residence. This loan product contains a balloon payment and requires no monthly payments during the 12-month term. The entire amount of outstanding principal and accrued interest is due at maturity or the sale of the property, if sooner than maturity. Payments do not include amounts for taxes and insurance premiums. Your actual payment obligation will be higher. NAF Cash, LLC (“NAF Cash”) is a real estate company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash charges a Transaction Fee of 1.50%-7.5% of the purchase price (fee varies by state and program). License: MI Real Estate Broker #6505431332. Not all loans are eligible for recast. Must hold a minimum of an M.D., D.O., D.D.S., DNP, DNAP, D.M.D, PharmD, VMD, DPM or CRNA degree and have an active employment contract or verification of terms of employment acceptance. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. All mortgage loan products are subject to credit and property approval. © 2026 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. 1 MacArthur Place, Suite 800, Santa Ana, CA 92707 naf.com. (800) 450-2010. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. NMLS #6606. For a buydown, the seller or lender prepays a portion of the consumer’s monthly payments for the first 12, 24, or 36 months, reducing the interest rate 1%, 2%, or 3% below the note rate during that period. The note rate applies for the remainder of the term. Borrower must qualify based on the note rate. Hold for Transfer and Float Down options subject to additional terms and conditions, ask a New American Funding Loan Officer for more information. VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit guidelines, and property limits. Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. New American Funding, LLC is not acting on behalf of the Department of Veteran Affairs, nor affiliated with or any government agency. No FICO - Non-traditional credit references, such as rental and utility payments, may substitute for FICO. 10/2026