Advertising and Licensing Disclosures an

Advertising and Licensing Disclosures

Disclosure current as of

March 12th, 2020

ADVERTISING DISCLOSURE

15-year Fixed Rate Mortgage Rates as low as 2.75% (2.8% APR)

The advertised loan is a 15-year Fixed Rate fully amortizing term from actual offers posted in our network of lenders.
There is no prepayment penalty.
Payment Example:

Loan Amount: $320,000, based on an 80% LTV (Home Value $400,000)
Fixed Interest Rate: 2.75%
Annual Percentage Rate: 2.819%
Monthly Payment: $2,171/ month for 180 monthly payments, plus taxes and insurance
Loan Discount Points 0.30% ($960) plus $1,200 in Loan Origination fees

Disclosure Assumptions

The information and disclosures above relate to advertised terms made by or through UR1LocalLender.com
UR1LocalLender.com arranges for a possible loan offer through its network of non-affiliated lenders. See the Privacy Policy below for more details.
Interest rates and terms are from a lender or lenders with whom UR1LocalLender.com may match you and that offer the particular product. The disclosures are current as of the date indicated.
You may not be matched with the lender making a particular conditional loan offer, and UR1LocalLender.com does not guarantee that any lender will make you a conditional loan offer.
UR1LocalLender.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.
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.
FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.

UR1LocalLender.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.
Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a primary Single Family home with a loan of under $510,400.
Not available in all states.
Interest rate quoted on Jumbo products assume a FICO of 720 with a maximum loan-to value ratio of 80% on a primary single family home with loan of over $510,400.
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 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.
Payment amounts shown do not include taxes or insurance. The actual payment amount will be greater.
Rates are subject to change daily without notice.
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, UR1LocalLender.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/Quote/Get Calculator 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. Consent is not required as a condition to utilize UR1LocalLender.com services, you may choose to use our services by calling 855-250-6681

LICENSING DISCLOSURE

UR1LocalLender.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.

UR1LocalLender.com IS A MARKETING LEAD GENERATOR AND IS NOT A LICENSED MORTGAGE BROKER.

The information and disclosures above relate to advertised terms

Effective March 1st, 2020

This privacy statement describes how UR1LocalLender.com collects and uses the personal information you provide on our Web site: UR1LocalLender.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

We want you to understand what information we gather about you; how we use it and the safeguards we have in place to protect it. This Privacy Policy applies to information collected through this website and otherwise. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as the website's General Terms and all its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

This website is a general audience site and we do not knowingly collect personal information from children under the age of 13.

If you have questions or concerns regarding this policy, you should first contact us at Legal@UR1LocalLender.com.

Collection and Use of Personal Information

We collect the following personal information from you:

Contact Information such as name, email address, mailing address, and phone number

Financial information such as current property value, loan amount, interest rate, loan type and origination date.

Information is only collected directly from the consumer. We do not purchase or receive information from any third-party sources such as credit monitoring agencies.

We use this information to:

Display content based upon your interests

Assess your loan needs

Administer your account

Send you requested product or service information

Match you with a lender who can provide you with a loan quote

Send you a newsletter

Improve our Web site and marketing efforts

Respond to customer service requests

Send you marketing communications

Conduct research and analysis

Referrals for Mortgage Business: Be aware that the Lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from ours.

We take your privacy seriously. By accessing this Website, You agree that we can share your personal data with third parties, such as our mortgage partners, service providers and other affiliates, and that we can use this data for marketing and analytics, and to make your experience easier.

You are also 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. Consent is not required as a condition to utilize UR1LocalLender.com services, you may choose to use our services by calling (855) 250 -6681. Consent is not contingent on the purchase and/or use of any services being offered by a Lender

Referrals for your Non-Mortgage Business: When you express interest in other products, services, promotions that we offer (by, for example, completing a request for such services, or clicking to get more information), we will share your request or expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, with their affiliates and third party finder or marketing companies (collectively, "Business Providers"). When you choose to participate in a particular offer or program, you authorize us to provide your personal information to those Business Providers. Be aware the Business Providers with whom we share your Information may retain or use your Information whether or not you use their services and you should contact these parties directly concerning their privacy and information sharing practices which may differ from ours.

Special Notice to California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

CALIFORNIA CONSUMER PRIVACY RIGHTS

We will not share any personal information about you to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and

California law provides California residents with the following privacy rights:

Right to access personal information: Consumers exercising this right may request access to identification of the categories and specific pieces of their personal information we have collected in the prior 12-month period.
Right to deletion: Consumer exercising this right can request that we delete any personal information we have collected, though we may be permitted to retain personal information for certain purposes.
Right to disclosure: Consumers exercising this right can receive additional information regarding the sources from which we collect information, the purposes for which we collect and share personal information, the information of theirs we hold, and the categories of parties with whom we share their information. We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is Legal@UR1LocalLender.com.
Right to opt out of sales: As permitted by applicable law, we may share your personal information for monetary or other valuable consideration (under California law, this is considered a “sale”). You may opt out of such a “sale” of your personal information to third parties. You can exercise your right to opt-out by emailing us at legal@UR1LocalLender.com.
Right to be free from discrimination: Users may freely exercise these rights without fear of being denied goods or services.

If you are a resident of California or the United States, and would like to exercise one of your rights, please contact us at legal@UR1LocalLender.com. You may designate an authorized agent to request the exercise of one or more of these rights on your behalf. Please note all consumer requests are subject to verification and there may be circumstances where we do not honor your request, as permitted under the law. We may verify your request by asking for additional information to verify your identity. If you are using an authorized agent, such requests are subject to the same criteria.

Choice/Opt-out

You may choose to stop receiving our newsletter or marketing emails by contacting us at Legal@UR1LocalLender.com.

Information Sharing

We will share your personal information with third parties only in the ways that are described in this Privacy Statement. We may provide your personal information to companies that provide services to help us with our business activities such as offering customer service. These companies are authorized to use your personal information as is necessary to provide these services to you.

We may also disclose your personal information:

As required by law such as to comply with a subpoena, or similar legal process.

When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a government request,

If UR1LocalLender.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
To any other third party with your prior consent to do so.
We share your personal information with other companies so that they can market their products or services to you.

If you do not want us to share your personal information with these companies, contact us at Legal@UR1LocalLender.com.

Cookies and Other Tracking Technologies

We may use cookies, for example, to keep track of your preferences and profile information. Cookies are also used to collect general usage and volume statistical information that does not include personal information.

We may use another company to place cookies on your computer to collect non-personally identifiable information to compile aggregated statistics for us about visitors to our site.

Web Beacons

Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communication and marketing campaigns.

We may use a third party to gather information about how you and others use our Web site. For example, we will know how many users access a specific page and which links they clicked on. We use this aggregated information to understand and optimize how our site is used.

Links to Other Web Sites

Our Site includes links to other Websites whose privacy practices may differ from those of UR1LocalLender.com. If you submit personal information to any of those sites, your information is governed by their privacy policy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Security

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security of our Web site, you can contact us at Legal@UR1LocalLender.com.

Additional Policy Information

Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

Our Web site offers publicly accessible blogs, social media, or community forums such as Facebook, Twitter, or Google Plus. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

Visiting our Websites From Outside the United States.

This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

No Rights of Third Parties.

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

Notification of Privacy Policy Statement Changes

We may update this privacy statement to reflect changes to our information practices or changes in regulations governing privacy. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Information

You can contact us about this privacy statement by writing or emailing us at the address below:

UR1LocalLender.com

Email: Legal@UR1LocalLender.com

Phone: (855) 250-6681