Advertising Disclosures
About elendingsaver.com
Note: This website is not affiliated with the United States Government or any Federal or State government agency.
About Our Advertised Rates***
Interest Rates and Advertised Payment Terms – Disclosure Current as of July 25, 2022
- The advertised loan is a 15-year fixed rate fully amortizing term.
- There is no prepayment penalty for the advertised mortgage.
- The chart below shows the interest rate, APR, and the monthly payment:
|
Loan Amount |
|
APR |
Monthly |
|---|---|---|---|
|
$304,000 |
4.375% |
4.729% APR |
$2,306.00 |
**Payment amounts shown do not include taxes or insurance premiums. The actual payment amount will be greater.
- Disclosure Assumptions
- The disclosed APR is based on 1.807% discount points and $7,088 in lender fees and other costs due at closing.
- Interest rate quoted assumes a minimum FICO score of 740 with a maximum loan-to-value ratio of 80% (or 20% down payment) on a primary residence. The advertised rate is only available for well-qualified borrowers.
- The actual interest rate, APR, and mortgage payment may vary based on the specific terms of the loan selected, current interest rates, the loan amount, whether the borrower is self-employed, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders.
- Advertised interest rates/mortgage loan may not available in all states. Otherwise, no matter what state you live in we invite you to complete our form to be matched with lenders offering other programs in your state. Some state and county maximum loan amount restrictions may apply.
- Available rates, payment terms, and mortgage information are subject to change daily without notice.
- We cannot guarantee any specific interest rate or mortgage payment.
- Not all consumers will be matched to a lender that is able to supply the advertised rates and some restrictions may apply.
- If LTV > 80%, PMI will be added to your monthly mortgage payment, with the exception of VA loans. VA loans do not require PMI.
- The rates and terms you are offered are the responsibility of the Lender and will vary based upon your loan request as determined by the Lenders to whom you are matched. There is a possibility that you may not be matched with the Lender making this example offer.
- Completing our quote form does not mean in any way that you are pre-qualified for any loan program. Mortgage rates could change daily and you may not qualify for the rates displayed here.
elendingsaver.com is not a mortgage lender or a broker. elendingsaver.com does not originate or make loans nor make any credit decisions in connection with loans. elendingsaver.com does not issue loan commitments or lock-in agreements. It does not solicit a loan for you and will not help or assist you to obtain a loan. elendingsaver.com is not an agent of either you the consumer or of any participating bank, lender or mortgage broker (referred to in the rest of this document as "Lenders"). elendingsaver.com provides only administrative and marketplace services, by matching consumers, who are prospective borrowers, with Lenders who may be willing to make them mortgage loans. You must rely on your own judgment in deciding which available loan product best suits your needs and financial means and whether or not to work with any Lender of which you become aware via elendingsaver.com. The information you submit to elendingsaver.com is NOT an application for credit. elendingsaver.com merely provides your information to certain Lenders so that they may contact you directly. elendingsaver.com cannot guarantee that you will receive a loan with the most advantageous rate or terms or that better rates and terms are not available from Lenders in your area.
elendingsaver.com itself does not check credit or require you to enter your social security number to use the services provided on this site (it is optional). Once you have been matched with a lender(s) they may require a credit check in order to continue processing your loan application.
elendingsaver.com does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.
* elendingsaver.com is not acting as a lender or a banker (“Service Provider”). The information collected through our website is not an application for credit or a mortgage loan, and it is not used to pre-qualify you with any Service Provider. Service Providers participate in our matching engine that may or may not have home loan or mortgage loan products available matching the criteria you submit via our form. There is no cost to use our services or to be matched with mortgage lenders. You may review the loan offers and discuss them with 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. elendingsaver.com 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.
****ADDITIONAL ADVERTISING INFORMATION
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https://help.yahoo.com/kb/helpcentral
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