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© 2021, The Kristoff Team Nick Kristoff (NMLS #379253) and Mike Kristoff (NMLS #377707). Mortgages are offered and originated by George Mason Mortgage, LLC (NMLS ID# 153400) a subsidiary of United Bank. (www.nmlsconsumeraccess.org) 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, buyer must meet minimum down payment, underwriting and program guidelines. Equal Housing Lender.