**Rates as of November 8, 2019

Loans are brokered by Lamb Financial, LLC, an Illinois Residential Mortgage Licensee #MB.6760662 / NMLS# 227278, located at 6825 N Lincoln Ave, Lincolnwood, IL. The actual funding is provided by another entity which may affect availability of funds, rates and terms. Interest rates are subject to change without notice and assume qualifying credit, income, equity and property type. Your particular interest rate may be higher. Minimum loan amount for renovation loan program is $250,000, rates quoted are for as-complete value 15 and 30 year fixed rate conforming renovation loans, with a maximum 75% loan-to-value, Minimum FICO score is 720. All amounts are estimated. Normal renovation loan closing costs that include; appraisal, underwriting, title/closing and construction draws are $3,300 and are calculated in Annual Percentage Rate (APR) presuming a $484,350 loan. The monthly payments for the 15yr fixed are based on a note rate of 3.603% fully amortized over 180 months and equate to $7.20 for every $1,000 borrowed, and are based on a note rate of 4.077% fully amortized over 360 months and equate to $4.82 for every $1,000 borrowed for the 30yr fixed.