Gardner Financial Services, Ltd., dba Legacy Mutual Mortgage, NMLS #278675, a subsidiary of Texas Partners Bank. 18402 U.S. Highway 281 N, Ste. 258, San Antonio, TX 78259. AZ BK-2001467. Check registration and licensing at nmlsconsumeraccess.org. Legacy Mutual Mortgage is an Equal Housing Lender. This is not a commitment to lend. Material is informational only and should not be construed as investment or mortgage advice. Legacy Mutual Mortgage is not an agency of the federal government. Not all loan products are available in all states. All loans are subject to credit and property approval. Not all applicants qualify. Restriction and conditions may apply. Information and programs current as of date of distribution but may change without notice. [01/15/26]