This is an FHA program. Please call your local HUD office to verify or visit their website at http://portal.hud.gov/hudportal/HUD?
src=/program_offices/housing. The advertised loan program is a 30-year fixed-rate FHA loan with an interest rate of 4.990%
(5.738% APR). The interest rate quoted assumes a loan at 96.5% loan-to-value (LTV), a FHA loan amount of $522,364, a minimum
FICO score of 680, for a primary residence, with 1 discount point.

 

On a $522,364 loan, the APR would be 5.738% with a monthly
principal and interest payment of $2,800.97. Payments shown do not include taxes and insurance; actual payment obligations
will be greater. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification
of information, your credit history, the location and type of property, and other factors as determined by the Lender. Not all
applicants will qualify. Rates and terms are effective 1/27/2026 and are subject to change without notice. This is an
Advertisement. Branch NMLS #2472100; Branch Address: 1351 Stoneridge Drive, Suite C, Bozeman, MT 59718 - Regulated by
Montana Division of Banking & Financial Institutions, License #2472100 CalCon Mutual Mortgage LLC, dba OneTrust Home
Loans is an EQUAL HOUSING LENDER NMLS #46375; Corporate phone (888) 488-3807.

 

For more licensing information visit:
https://onetrusthomeloans.com/licensing-information/ | (nmlsconsumeraccess.org)