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Advertising and Licensing Disclosures

Advertising and Licensing Disclosures.

Disclosure current as of September 21, 2016

Mortgage Rate as low as 2.75% (3.18% APR) 15-YearFixed-Rate Mortgage: The payment on a $200,000 15-yearFixed-Rate Loan at 2.75% and 75.00% loan-to-value (LTV) is $1381 with 0.094 points due at closing. The Annual Percentage Rate (APR) is 3.18%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates. Some products may not be available in all states. Some jumbo products may not be available to first time home buyers. Lending services may not be available in all areas. Some restrictions may apply. Based on the purchase/refinance of a primary residence with no cash out at closing. We assumed (unless otherwise noted) that: closing costs are paid out of pocket; this is your primary residence and is a single family home; debt-to-income ratio is less than 30%; and credit score is over 720, or in the case of certain Jumbo products we assume a credit score over 740; and an escrow account for the payment of taxes and insurance. The lock period for your rate is 40 days. The loan to value (LTV) ratio is 75%. If LTV > 80%, PMI will be added to your monthly mortgage payment, with the exception of Military/VA loans. Military/VA loans do not require PMI. Please remember that we don’t have all your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation

ARMs can be complicated. If you do not understand how they work, you should not sign any loan contracts, and you might want to consider other loans. With an ARM, the interest rate on your loan is not fixed. Instead, it changes over time according to a formula - typically, a base interest rate (index) plus a certain percent (margin) (for example, the Prime Rate plus 3 percent). So, if the base interest rate increases, your interest rate and monthly payment will also increase. Please see the lenders' websites for the specific disclosures related to loans offered by our lenders. Disclosure Assumptions

The information and disclosures above relate to advertised terms made by or through Mintrates.com. Interest rates and terms are from a lender or lenders with whom Mintrates.com may match you and that offer the particular product. The disclosures are current as of the date indicated.

Mintrates.com is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms.

You may not be matched with the lender making a particular conditional loan offer, and Mintrates.com does not guarantee that any lender will make you a conditional loan offer. Mintrates.com arranges for a possible loan offer through its network of non-affiliated lenders. See the Privacy Policy for more details. FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.

Mintrates.com.com is not a banker or lender (Service Provider). Leading Service Providers participate in our matching engine who may have loan products available matching the criteria you submit in this interest profile.

The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Interest rate quoted assumes a FICO score of 680 with a maximum loan-to-value ratio of 80% on a primary single family home with a loan of under $417,000. Interest rate quoted on Jumbo products assume a FICO of 700 with a maximum loan-to value ratio of 70% on a primary single family home with loan of over $417,000. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders.

Not available in all states.

Not all consumers will qualify for these monthly payment terms. Specific rates and terms offered to our applicants by specific lenders and providers within the network may vary. Rates are subject to change daily without notice.

Payment amounts shown do not include taxes or insurance. The actual payment amount will be greater. If a lender in our network contacts you and solicits you for a loan application, that lender must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA) and other federal and state laws. These disclosures include details of your cost of credit, good faith estimates of your settlement costs, certain HUD mandated booklets, notice that your mortgage loan servicing may be transferred and your right to a copy of any appraisal 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, 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 Trade Commission administers compliance with these laws and may be contacted at: The Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. The foregoing requirements are mandatory for all lenders, however, FreeRateUpdate.com makes no representations as to the adequacy or compliance on behalf of any lender as we do not participate in the loan application process or make any credit decisions.

Communication Consent: We take your privacy seriously. By clicking the Get Rate button, you are providing your express written consent to have your information shared and to be matched with up to five approved lenders and for them, or their authorized third party, to call you at the number you have provided including through automated means such as autodialing, text SMS/MMS (charges may apply), and prerecorded messaging, and/or via email, even if your telephone number is a cellular phone number or on a corporate, state, or the National Do Not Call Registry, and you agree to our Privacy Policy.

Mintrates.com does not make mortgage loans or commitments.

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate(GFE) required under RESPA and an initial disclosure statement required under the TILA, each within three (3) 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 (60) days, a free copy of your consumer credit report from the credit reporting agency that 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 / credit.

MINTRATES.COM IS A MARKETING LEAD GENERATOR AND IS NOT A LICENSED MORTGAGE BROKER OR LENDER EXCEPT AS NOTED ABOVE. CONTACT US AT: Legal@mintrates.com

The information and disclosures above relate to advertised terms made by or through mintrates.com.

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