Proficio Mortgage Ventures, LLC (PMV) is a wholly owned subsidiary of Proficio Bank, a non-member bank of the FDIC. PMV is an Equal Housing Lender, Equal Opportunity Lender and an Equal Opportunity Employer. NMLS #7840 Proficio Mortgage Ventures, LLC 110 Hillcrest Street, Orlando, FL 32801. This branch of PMV can lend in the following states: AR, CO, DE, FL, GA, HI, ID, IN, IA, KS, KY, LA, MS, MO, MT, NE, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. State lending authorities that require PMV to be licensed are as follows: Alabama Consumer Credit License No. MC 21391, State Banking Department, Bureau of Loans, P.O. Box 4600. Montgomery, AL 36103-4600, (333) 242-3452; Illinois Residential Mortgage Licensee number MB.6760435, Illinois Department of Financial and Professional Regulation, Division of Banking, 122 S. Michigan, 19th Floor, Chicago, IL 60603. (312) 793-3000; Michigan First Mortgage Broker and Lender license number FR-0016799, Michigan Secondary Mortgage Broker and Lender license number SR 0016859, Department of Energy, Labor and Economic Growth, Office of Financial and Insurance Regulation. 611 West Ottawa St., P.O. Box 30220, Lansing, MI 48909, (517) 373-0220; Minnesota Residential Mortgage Originator Exemption license number 40041515, Minnesota Department of Commerce, Division of Financial Examinations, 85 7th Place East, Suite 500, St. Paul, MN 55101-2198, (651) 282-9855; Nevada Exemption Certificate number 3221, Nevada Department of Business and Industry, Division of Mortgage Lending, 1830 College Parkway, Suite 100, Carson City, NV 89706, (775) 684-7060. No government agency is participating in, or has sponsored, approved, endorsed or reviewed this reduced closing cost offer.