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*4.99% rate effective as of 9/15/2024. Rate available for a limited time only for qualified borrowers with a credit score of 740 on select homes. 5.768% APR reflects the effective cost of the loan taking into account such items as closing costs, discount points and other origination fees. Subject to lender terms, conditions, and approval. Flat Branch Home Loans is a division of Flat Branch Mortgage, Inc. Equal Housing Lender, NMLS #224149 Adam Swenka, NMLS #932959 For licensing information go to www.nmlsconsumeraccess.org