| California | Licensed by the Department of Business Oversight under California Financial Lender Law License No. 60DBO88440 |
| Colorado | Mortgage Company Registration – Regulated by the Division of Real Estate – www.dora.stato.co.us/real-estate. |
| Florida | Florida Mortgage Broker License Number MBR2854 |
| Michigan | Michigan 1st Mortgage Broker License Number FL0021730 |
| Oregon | Oregon Mortgage Lending License Number ML-5781 |
| Virginia | Licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions – Broker License Number MC – 6894 |
Disclosure (1)
Two decades references the experience of Refi.com’s founders from their prior two lending companies. Two million people refer to total leads generated, or customers assisted, while $4.5B references cumulative total loans closed.
Disclosure (2)
Awards referenced and certain customer reviews were earned by the Refi.com’s founding management team at their prior lending company.
Disclosure (3)
30 Year Term – Displayed is a 30-year fixed rate mortgage as of 11/16/2020, the new interest rate and mortgage payment examples are based on 360 monthly payments for a $250,000 loan on an owner-occupied residential property with a loan-to-value ratio of 70% at 2.50% interest (2.686% Annual Percentage Rate) and 1.55 discount points (1 point equals 1% of the loan).
15 Year Term – Displayed is a 15-year fixed rate mortgage as of 11/16/2020, the new interest rate and mortgage payment examples are based on 180 monthly payments for a $250,000 loan on an owner-occupied residential property with a loan-to-value ratio of 70% at 1.99% interest (2.364% Annual Percentage Rate) and 1.768 discount points (1 point equals 1% of the loan).
Payment examples do not include mortgage insurance, taxes or hazard insurance payments, if required, and your actual payment obligation will be higher. Your final terms cannot be determined until after our lender partners have evaluated the information provided with your application as well as the property that will serve as collateral. By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
Disclosure (4)
$68,000 average cash-out represents the average amount of equity pulled by cash-out borrowers in 2017 as reported by Black Knight Data & Analytics.
Disclosure (5)
Your social security number is not required by REFI for our prequalification process and to match you with a lender partner. REFI utilizes a soft credit inquiry that is solely to prequalify you for options with REFI’s lender partners and won’t affect your credit score or result in an inquiry on your credit report. Continuing with an application with one of our lender partners may require a hard credit inquiry which would require your social security number and could affect your score.
Disclosure (6)
Personal Loan rates, terms and fees will be based on your individual credit history and underwriting criteria and are set by the lender, not REFI. REFI only attempts to connect you with lenders who can offer loan products. Personal loan terms typically range from 3 to 5 years and can have annual percental rates between 6.95% and 184.36%.
Disclosure (7)
30 Day Closing Guarantee. Your loan will close within 30 days of receipt of your complete application, or we will pay you $500. Guaranteed! Date of complete application is defined as the receipt of the application, documents, disclosures and authorizations required to begin processing the loan (indicated by the completion of Intent to Proceed). Date of closing is defined as the day closing documents are signed by the customer. Initial application information must be accurate and remain consistent. Loans with any delays resulting from a force majeure event or from the actions of unaffiliated 3rd party companies, including but not limited to appraisers, employers, and settlement service providers, are not eligible. To qualify, customer must provide all requested information or documentation within 48 hours of request.
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