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Nick Kristoff (NMLS #379253) and Mike Kristoff (NMLS #377707) are a licensed mortgage loan originators with Guaranteed Rate, Inc. (NMLS ID #2611). (www.nmlsconsumeraccess.org) Mortgages are offered and originated by Guaranteed Rate, Inc. This is not a commitment to lend. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR), and program, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, borrower must meet minimum down payment, underwriting and program guidelines. Equal Housing Lender. 181 Bluffton Road, Suite F-1012 (unit 2), Bluffton, SC 29910

Nick Kristoff NMLS ID: 379253; NC - I-218756, SC - MLO - 379253, FL - LO122110, GA - 379253, VA - MLO - 17660VA

Mike Kristoff NMLS ID: 377707; SC - MLO - 377707, GA - 377707

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