Disclaimers

*Disclaimer 1: This website does not offer mortgage loans and is not the lender in any transaction , rates and terms are the responsibility of the participating lenders and brokers. This website provides your information to lenders and brokers from mortgage entities participating in this process. Please read our Privacy Policy and User Agreement.By completing and submitting this information sheet, you acknowledge and agree that you have authorized us to provide the information contained in your submission to participating mortgage lenders and brokers as well as have read, understood and agreed to the terms set forth in the Privacy Policy and User Agreement. In addition, you are extending an express invitation to any of the participating lenders and brokers to contact you by telephone or email even if you have previously requested that you be placed on a Do Not Call registry and/or a Do Not Email list. The rates and terms of mortgage products offered by participating lenders and brokers are subject to market changes and other factors and qualification is required. Rates and terms offered by participating Lenders and brokers may vary depending on your credit history and other qualifications, amount of equity in the property, location, and type of property, and other factors. Rates and terms are subject to approval by participating lenders. All terms and requirements of any loan are to be determined by each lender independently. The rates and terms you are offered are the responsibility of the participating lenders and will vary based upon your loan request and determined by the lender(s) to whom you are matched. You may not be matched with the lenders (s) making a specific offer.

**Disclaimer 2: All loans are subject to credit approval. Rates and terms are subject to change at any time without notice. Potential loan applicants inquiring through this website are not guaranteed to be matched with any specific lender, broker, or related service provider. Potential applicants may be, at the discretion of website operator, and based on information provided, preliminarily matched with more than one lender, broker, or other related service provider. Potential applicant hereby agrees to be contacted by such service providers in response to consumer’s inquiry, where said service providers may offer varying products and services not offered by others. There are many products, rates, and terms available and they may or may not be offered depending upon many factors, including but not limited to: 1) Credit History, 2) Type of collateral offered, 3) Documentation of income and other items related to creditworthiness of applicants and, 4) Eligibility and availability for certain programs offered based on State or local laws, investor and lender product availability, and other factors. Rate above is for a loan based on the start rate mentioned where the payment is fixed for 12 months. The interest rate will change after the first month, and will thereafter be based on an index (in this case, the one month Monthly Treasury Average, or “MTA” index, which is currently at 2.347% as of 4/29/2005), plus a margin of 2.00 to 3.00%, with the index adjusting monthly. For example, if the loan funded had a margin of 2.45%, the interest rate for the first month would be 1.25%, but on the second and subsequent months, the rate would be 4.8% (and an APR of 5.05%) based on the total of the index (assuming it had not changed from the first month) plus the margin. Since the payment is still based on 1.25%, it is possible that the accruing interest will exceed the minimum payment amount, resulting in negative amortization. At the end of each 12-month period, for the first five years, the payment can be adjusted up 7.5% of the payment amount subject to potential changes and limits contained in your loan contract, mortgage, or other agreement.