Advertising-Disclosures

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. There is no cost to submit a loan request, get matched with lenders and receive loan offers. You may review the loan offers and talk to the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost. does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

Advertising Disclosures

*Mortgage Rates as low as 3.875% (4.11% APR) – Disclosure current as of September 12, 2018.

  • The advertised loan is a 5/1 Adjustable Rate Mortgage fully amortizing term from actual offers posted in our network of lenders. Assuming a credit score of 740+. 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. Rate is variable.

Disclosure Assumptions

  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 70% on a primary single family home.
  • 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.
  • The disclosed APR is based on 0.875 in points due at closing and $3,395 in fees.
  • 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.

30-Year Fixed Rate Mortgage. 4.750% (4.836% APR) Current as of September 12, 2018. Fully amortizing term from actual offers posted in our network of lenders. Assuming a credit score of 740+. 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.

15-Year Fixed Rate Mortgage. 3.875% (4.11% APR): Current as of September 12, 2018. Fully amortizing term from actual offers posted in our network of lenders. Assuming a credit score of 740+. 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.

Home Equity Loan 3.875% (4.11% APR): Current as of September 12, 2018. Assuming a credit score of 740+. 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. Rate is introductory and can vary. Rate also refers to a cash out refinance which in most cases will be a better rate and deal for the consumer than a short term home equity loan. Cash out refinance rates will be at the prevailing rates for 5/1 ARM and 15 or 30 year mortgages.

Advertisement Disclosure (last updated September 12, 2018):

IS A MARKETING LEAD GENERATOR AND IS NOT A LICENSED MORTGAGE BROKER OR LENDER. MAIN OFFICE IS LOCATED AT 543 Country Club Dr #409 Simi Valley, CA 93065.

Advertised Terms and Information

  • The information and disclosures above relate to advertised terms made by or through .
  • The disclosures are current as of the date indicated.
  • 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.
  • arranges for a possible loan offer through its network of nonaffiliated lenders. See the Privacy Statement for more details.
  • FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
  • 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.

HARP Loans and potential savings:

President’s Video and Fannie Mae Research Over $100,000 savings estimate is based on $82 a week over a 30 yr loan from June 2007.

Average monthly savings from http://www.freddiemac.com/finance/pdf/RefiReport2013Q3.pdf

In the President’s State of the Union address, he told homeowners that if they refinanced at today’s historically low rates, they could save upto $3,000. This statement can be found in the State of the Union transcript – http://www.whitehouse.gov/the-press-office/2012/01/24/remarks-president-state-union-address. Additionally, homeowners who refinance from 30 year fixed mortgages to 15 year fixed mortgages can save up to $145,000. Further information for this can be found at http://www.nytimes.com/2011/08/21/realestate/exploring-the-15-year-loan-for-refinancing-mortgages.html

Under provisions of the Making Homes Affordable Act(a.k.a. HARP 2.0), signed into law by President Obama, Fannie Mae has removed certain loan refinance requirements for qualifying loans including the Loan-To-Value (LTV) ceiling for fixed-rate mortgage, property appraisal, minimum credit score & credit check, and eliminated & lowered certain fees for borrowers making it easier to refinance into a lower rate mortgage, effectively reducing the amount of interest paid (and owed) over the life of the loan.More info:http://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Fannie-Mae-and-Freddie-Mac-Announce-HARP-Changesto-Reach-More-Borrowers.aspx

A shorter term mortgage enables such borrowers to pay down the amount they owe much faster than a traditional 30-year mortgage. Furthermore, interest rates on shorter term mortgages usually are less than on thirty-year mortgages. More information can be found at http://harpprogram.org/faq.php

The Making Home Affordable Program is set to expire December 31, 2016 and is free http://www.makinghomeaffordable.gov/about-mha/Pages/default.aspx but standard refinance fees will still apply.