* Rate Drop Pledge is subject to the refinancing of an outstanding purchase loan originated by BluPrint Home Loans between September 1, 2025 and December 31, 2025 that is secured by the same property upon which that borrower previously received from BluPrint Home Loans. Rate Drop Pledge is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Rate Drop Pledge may only be used one time by submitting an application directly to BluPrint Home Loans once six satisfactory mortgage payments have been made. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Equal Housing Lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. BluPrint Home Loans is a division of NFM Lending, LLC. For NFM Lending, LLC’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC’s NMLS #2893 (www.nmlsconsumeraccess.org). © 2025 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. www.nfmlending.com. BluPrint Home Loans is located at 147 Main Ave E, Twin Falls, Idaho 83301