North State Bank Sales Support Collateral as of June 2025

With a Single-Close Mortgage + Renovation Cost Loan from North State Bank Make A Great House The Perfect Home! CHOICEReno eXPress Mortgage • The total cost of fi nanced renovations may be up to 10% of the lesser of the: ▪ Sum of the purchase price of the property, plus estimated cost of renovations; or ▪ “As completed,” value of the property, as determined by the appraiser. • Work must be completed within 180 days of closing. Are there renovations you want to make to a home you are considering purchasing or one you already own? Either way, there’s a great renovation loan available from North State Bank.

The CHOICEReno eXPress SM Mortgage features the following: • Includes the cost of renovation in your fi xed interest rate home purchase or re fi nance. • O ff ers the convenience of one simple, single-close mortgage. • Allows you to lock in your interest rate for up to 60 days for purchase or re fi nance plus renovation at application. • Can be used for primary residences, second homes, and investment properties.* • Allows up to 95% fi nancing for primary residences.

Sean Nock Vice President Community Mortgage Manager Southeast Raleigh 919.645.2756 (O) 919.614.9178 (M) SNock@NorthStateBank.com NMLS# 659112

Make your home just “perfect” for you.

*CHOICEReno eXPress mortgages are subject to credit approval. You must apply and qualify. Information is subject to change without prior notice and products may or may not be available at time of application. Talk to your North State Bank mortgage loan o ffi cer. June 2023.