loanation.com

Assumptions

• Annual Percentage Rate (APR) calculations assume single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 90%; a minimum FICO score of 680; and a loan amount of $200,000 for conforming loans or $650,000 for jumbo loans, unless otherwise specified.

• Annual Percentage Rate (APR) calculations assume no subordinate financing and that the borrower will provide full income documentation.

• On purchase-money loan transactions, loanation.com Fee does not include fees for: title exam, abstract of title, title insurance, property survey, title policy endorsements or outside escrow company charges. These costs must be paid for by the consumer in addition to the loanation.com Fee.

• Available first mortgage rates and fees may vary depending on your property's location.

• Monthly Payment per $1,000 and Monthly Payment calculations include principal and interest ONLY. PMI (Private Mortgage Insurance), hazard insurance, property taxes, state taxes, mortgage taxes, homeowner's association dues, and any other recurring costs are not included.

• Rates may be higher for loan amounts under $100,000 and over $650,000. Please consult with a loanation.com representative for details.

• Rates are subject to change without notice.

• Closing Costs assume 30 days prepaid interest and that a borrower will hold an impound account for monthly property tax and insurance payments.

• Restrictions may apply.

• Subject to underwriter approval; not all applicants will be approved.

• Fees and charges may apply.

• Taxes and insurance are extra.

• On refinance transactions, the Annual Percentage Rate (APR) calculations assume a rate and term refinance.

• In a refinance transaction, loanation.com does not pay any reconveyance fees that are charged by the borrowers existing lender for the reconveyance of the deed of trust. This includes but is not limited to reconveyance, demand and recording fees.

DISCLOSURES

In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

• Home Mortgage Disclosure Act

• Equal Housing Opportunity Lender

• The Housing Financial Discrimination Act of 1977,
California Fair Lending Notice

• Equal Credit Opportunity Act Fair Lending Notice

• Special Notices

Home Mortgage Disclosure Act (HMDA) The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications, income of applicants and borrowers, and information about loan approvals and denials

Equal Credit Opportunity Act Fair Lending Notice
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); 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 agency that administers compliance with this law concerning the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580

Equal Housing Opportunity Lender
loanation.com will conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.

• In the sale or rental of housing

• In advertising the sale or rental of housing

• In the financing of housing

• In the provision of real estate brokerage service

• In the appraisal of housing

• Blockbusting is also illegal

The Housing Financial Discrimination Act of 1977,
California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

• Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice

• Race, color, religion, sex, marital status, national origin, or ancestry

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of loanation.com

"Closing Costs " are the lender's fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, and any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN
To help loanation.com prevent fraud and assist the government in fighting the funding of terrorism and money laundering activities, approved lenders for loanation.com are obtaining, verifying, and recording information that identifies each person who obtains a mortgage loans.
What this means to you: When you obtain a mortgage loan, you will be asked for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

BETWEEN USER/APPLICANT AND loanation.com.

Please read this agreement ("Agreement") carefully before accessing or using this Web site ("Site"). By accessing or using the Site, you agree to be bound by this Agreement. loanation.com and its suppliers/venders provide the information and services on this Site to you, the user/applicant, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Site constitutes your agreement to all such terms, conditions, and notices.

The information and services offered on this Site are provided with the understanding that neither loanation.com nor its suppliers/vendors or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

loanation.com directly or indirectly to any action or inaction that you take based on the information, services, or other material on this Site. loanation.com. and its suppliers/vendors strive to keep the information on this Site accurate, complete, and up-to-date, loanation.com and its suppliers/vendors cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment, or data, neither loanation.com nor its affiliates are responsible for those costs.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. loanation.com, ITS AFFILIATES, AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS, OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL loanation.com, ITS AFFILIATES, AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF loanation.com, ITS AFFILIATES, OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless loanation.com, its affiliates, and suppliers/vendors from any liability, loss, claim, and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

Web users, as well as loanation.com take online privacy seriously. It's our way of sustaining your trust in our company, our products, and services. Our privacy statement describes how we collect, protect, and use customer information.

There are a few simple things that you can do to safeguard your information on the Internet: 1) keep your account number, user name, and password safe; 2) be sure to use a secure browser and keep your virus detection software current; and 3) never open e-mail from an unknown source; and always log out of the loan status area when you're finished. Loanation.com’s representatives will never ask you for your personal information online

When you call, our security procedures require that we ask you for information only you would know—so we're sure it's you. However, no loanation.com employee will ever ask you for your account password.

Sharing your personal information
We do outsource work to other lenders. We share with those companies only the customer information they need to do their job. These companies are subject to a thorough selection process, and they are contractually required to comply with strict standards of confidentiality.

We also partner with companies to offer services to you that we don't provide. These services are optional and not required by us. We are very careful in selecting these partners, and we require that they follow our privacy requirements. These companies are also contractually required to comply with strict standards of confidentiality, and they are not permitted to use customer information for any other purpose than providing their specific product or service.

Concerns:

E-mail: info@loanation.com