What is Refinance Loan Search.com?

Refinance Loan Search.com is a New York corporation with its corporate headquarters in Queens, New York. Refinance Loan Search.com, is a mortgage marketing services company. Refinance Loan Search.com, is not a lender nor does it make loans or credit decisions in connection with loans. Refinance Loan Search.com, also does not issue commitments or lock-in agreements. Refinance Loan Search.com, is not an agent of either you, the consumer, or any participating bank, lender or loan broker (we refer to all of these as "Lenders"). Our services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use Refinance Loan Search.com, to commence the financing process and Refinance Loan Search.com, does not guarantee that completing a loan request will result in your receiving a loan from a Lender.

The loan request you submit is NOT an application for credit. Rather, it is a request for a loan pre-qualification. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may ask that you pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fees, and should provide information to you regarding the refundability of any such fees. Refinance Loan Search.com, does not charge you the consumer, any fees for its services. Refinance Loan Search.com receives its compensation from the Lenders for the goods, facilities and services actually provided by Refinance Loan Search.com,

Federal Disclosures

Your loan request will be forwarded to Lenders on the Refinance Loan Search.com, network. These lenders will be required to send you certain disclosures. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Additional Disclosures

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit an application with the Lender.

If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account.

California Holden Act - Fair Lending Notice

THE HOUSING FINANCIAL DISCRIMINATION (HOLDEN) ACT OF 1977 - FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

• TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OF GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS; OR
• RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.

IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHICAL AREA SURROUNDING A HOUSING ACCOMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRIASING A HOUSING ACCOMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE-TO-FOUR UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO-FOUR UNIT FAMILY RESIDENCE.

Licenses & Disclosures

• ARIZONALicense No. BKBR - 0106123
• CALIFORNIADRE No. 01044790
• COLORADOLicense No. 089154
• FLORIDALicense No. 171851
• GEORGIALicense No. 13907
• IDAHOLicense No. 1487
• INDIANALicense No. 7462
• MAINELicense No. SLM4086
• MONTANAN/A
• NEBRASKALicensed with the Department of Banking & Finance
• NEW MEXICORegistration Certificate No. 00610
• OREGONLicense No. ML-1434
• TEXASMortgage Banker Registration No. 43550
• UTAHLicensed with the Department of Financial Institutions
• WYOMINGLicense No. SL-1302