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DISCLAIMER

The information on this page is not meant to be a quote. So, if you want an ACTUAL interest rate quote, or if you’re just curious what you may be eligible for, just ask us!

10-Day Disclaimer: Qualifying products do not include Reverse Mortgages, FHA 203K, Jumbo, VA, Bond, MCC, Down Payment Assistance, loans that require prior approval from an investor, or brokered loans. In addition to the requirements and restrictions already stated, the borrower(s) must satisfy program requirements for employment and income. In order to close the loan in 10 business days, we must also first obtain the following on qualifying conventional and FHA loan products: (1) credit scores that qualify the borrower(s) for the loan program, (2) automated verification of borrowers assets and income from an automated verification system, (3) all required documents from borrower as requested by the Company within 8 business hours as approval condition requests are communicated to borrower (orally or in writing), (4) receipt of an acceptable appraisal to the Company within 4 business days of borrower’s application, (5) seller must be willing and able to close within 10 business days. (6) all required disclosures and closing documents must be timely and properly executed, (7) borrower must consent to receive and sign all documents electronically.

EMILY’S STATE LICENSES

ARIZONA: NFLP ARIZONA LICENSE NUMBER #1033826. Arizona Mortgage Banker License #BK0925744

COLORADO: Colorado Mortgage Loan Originator License# – 100525551. Regulated by the Division of Real Estate.

FLORIDA:  Florida Mortgage Loan OriginatorLicense# – LO94927

LOUISIANA: Louisiana Mortgage Originator License

NEW MEXICO:  New Mexico Mortgage Loan OriginatorLicense

OKLAHOMA: Oklahoma Mortgage Loan Originator License# – MLO29035

TENNESSEE: Tennessee Mortgage Loan Originator License# – 974905

TEXAS*: Texas – SML Mortgage Loan Originator

VIRGINIA- Virginia Mortgage Loan Originator #MLO-68421VA (www.nmlsconsumeraccess.org)

KYLE’S STATE LICENSES

ARIZONA: NFLP ARIZONA LICENSE NUMBER #1032828. Arizona Mortgage Banker License #BK0925744

Colorado Mortgage Loan Originator License# – 100529964. Regulated by the Division of Real Estate.

FLORIDA:  Florida Mortgage Loan OriginatorLicense# – LO98843

NEW MEXICO: New Mexico Mortgage Loan Originator Licensee

OKLAHOMA: Oklahoma Mortgage Loan Originator License# – MLO28694

TENNESSEE: Tennessee Mortgage Loan Originator License# – 863464

TEXAS*: Texas – SML Mortgage Loan Originator

STATE DISCLAIMERS

*For the State of Illinois:

Active Branch location by NMLS#: 931259 . These can be

viewed on NMLS Consumer Access:http://www.nmlsconsumeraccess.org/

*For the State of Texas:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.