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    Andy Craig
    NMLS# 239091

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Additional Notes

*Limitations on lender credit toward closing costs: For refinance transactions, the lender credit cannot exceed maximum cash out requirements. Offer valid only on residential first mortgage loans that close and fund through AnnieMac Home Mortgage’s Netcong branch location. The lender credit may not result in a cash payment to the borrower. All loan applications are subject to underwriting approval prior to funding. Other limitations may apply.
**While refinancing may decrease your overall monthly payment obligations, refinancing your home loan may increase the total number of monthly debt payments, as well as the aggregate amount paid over the term of the loan.