North State Bank Sales Support Collateral as of June 2025

Loans to Get You in Your New Home

USDA Loans These U.S. Department of Agriculture (USDA) insured loans were developed for buyers who meet speci fi c income requirements and are interested in a property in designated rural areas. They can o ff er competitive interest rates and low-to-no down payment.

• 100% Financing* • Eligible Properties • Income Limits Apply

FHA Loans Federal Housing Administration (FHA) insured mortgage loans are a great option for fi rst-time homebuyers and others who may qualify. For primary residences only, these loans o ff er: • Down payments as low as 3.5% of purchase price. • Low closing costs. • Easier credit quali fi cations.

Fatima Martinez Assistant Vice President Community Mortgage Loan O ffi cer Southeast Raleigh NMLS# 241198 919.278.2328 (O) FMartinez@NorthStateBank.com

Mortgage loans are subject to credit approval. You must apply and qualify. The USDA allows a borrower to fi nance up to 100% of the purchase price of their primary home, if the value is supported. Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consumers should consult their tax advisors for information regarding the deductibility of interest and charges. Additional terms and conditions may apply. Check with your mortgage lender. Interest rates and products are subject to change without notice and may or may not be available at time of loan commitment or lock-in. (February 2023)

NMLS# 411971