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Disclosures & Informations

Effective: 01/07/22

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PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

BIG ZERO Assumptions

Rite Lends No Closing Costs program - Rite Lend will pay for non-recurring closing costs not including prepaid interest, property taxes, homeowner's insurance, mortgage insurance, upfront insurance premiums or lender demand fees. A closing cost credit equal to non-recurring costs will be issued to applicant at time of closing (escrow) whichcovers closing costs not including prepaid interest, property taxes, homeowner's insurance, mortgage insurance, upfront insurance premiums or lender demand fees.

BIG ZEROrefinance assumes minimum loan amount of $300,000, 750 minimum FICO, No Cash Out refinance, Single Family detached primary residence, Loan to Value 60% or less with impound tax and insurance. No Subordinate Financing Allowed. Your actualpayment obligation may be higher. Offer requires the use of lenders choice of title and escrow services.

Not all applicants will qualify for the BIG ZERO refinance. Qualifying Restrictions apply.BIG ZEROadvertised interest rates are subject to change without noticeBIG ZEROloans are locked at time of Underwriting Approval and at no point in time prior. Loans that are not submitted and approved by a staff underwriter are subject to interest rate changes.

Rate Lock Policy

All loans are locked at time of Underwriting Approval and at no point in time prior. Loansthat are not submitted and approved by a staff underwriter are subject to interest rate changes.

Loans terms are subject to change if any inaccuracies of data are provided by applicant at time of initial loan application.

Loans terms are subject to change after underwriting review of applicant's complete loan file. Loan terms are subject to change if any information provided by applicant at time of initial loan application is not verified with supporting documentation. Examples ofthis information and supporting documentation include but are not limited to final appraised value, occupancy, applicant's income, applicant assets, applicant credit and property title.

Advertised Interest Rate Assumptions

Conforming loan amounts(up to $548,250): APR (Annual Percentage Rate) disclosedassumes APR calculations are based on Fully documented, No Cash Out Refinance with a minimum loan amount of $300,000 to the maximum conforming loan limit amountin the property's county. 750 Minimum FICO score, owner-occupied detached single-family residence (SFR) with a loan-to- value ratio (LTV) of 60% or less and impounds (escrow) account for taxes and insurance. No Subordinate Financing allowed. If these factors are not met, you may still qualify for a loan but higher rates may apply, subject tounderwriting approval. Available first mortgage rates and fees may vary depending uponyour property's location. Restrictions apply. Not all applicants will qualify. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval

High Balance loan amounts($548,250 to $822,375): APR (Annual Percentage Rate) disclosed assumes APR calculations are based on Fully documented No Cash Out Refinance with a minimum loan amount of $600,000 to the maximum conforming loan limit amount in the property's county. 750 Minimum FICO score, acceptable owner-occupied detached single-family residence (SFR) with a loan-to- value ratio (LTV) of 60% or less and impounds (escrow) account for taxes and insurance. No Subordinate Financing Allowed. If these factors are not met, you may still qualify for a loan but higherrates may apply, subject to underwriting approval. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply. Not all applicants will qualify. By refinancing the existing loan, the total finance charges may behigher over the life of the loan. Subject to underwriting approval.

Conforming Interest Rates disclosed on Rite Lend website assume minimum loan amount of $350,000 up to $548,250. Interest Rates may be higher for loan amounts lower than $350,000 and/or above $548,250. Subject to underwriting approval.

Interest Rates disclosed on Rite Lend website assume all applicant(s) have minimum middle FICO score of 750 or higher. Applicants with FICO scores less than 750 may stillqualify for a loan but higher rates may apply. Restrictions apply. Subject to underwriting approval.

Advertised Rates are not available in all areas and subject to change without notice. All advertised programs and interest rates are subject to Underwriter approval; Not all applicants will qualify

Application Approval Assumptions:

At time of loan application applicant's data (information) will be processed through eitherFannie Mae or Freddie Mac automated underwriting system (AUS) at which time preliminary approval may be issued. Initial AUS preliminary AUS (Automated Underwriting System) approval is NOT a commitment to lend and is NOT a guarantee to lend.

RITE LEND ADVERTISED SPECIALS


ACCELERATOR REFI SPECIAL:

Advertised Interest Rate and APR (Annual Percentage Rate) based on $350,000 minimum loan amount with a fixed interest rate with 120 equal monthly payments, Fully documented No Cash Out Refinance, 750 Minimum FICO score, acceptable owner-occupied detached single family residence (SFR) with a loan-to- value ratio (LTV) and combined loan-to- value ratio (CLTV) of 60% or less with impounds (escrow) account for taxes and insurance. If these factors are not met, you may still qualify for a loan but higher rates may apply, subject to underwriting approval. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply. Not all applicants will qualify.

VA STREAMLINE REFI SEPECIAL:

Advertised Interest Rate and APR (Annual Percentage Rate) based on a $350,000 minimum loan amount with fixed interest rate with 360 equal payments, streamline documentation, No Cash Out Refinance, No mortgage late payments in previous 12 months, 720 Minimum FICO score, acceptable owner-occupied detached single family residence (SFR), impounds (escrow) account for taxes and insurance and applicable VA Funding Fees. If these factors are not met, you may still qualify for a loan, but higherrates may apply, subject to underwriting approval. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply. Not all applicants will qualify.

State Licensing

Capview, Inc. dba Rite Lend
1980 Festival Plaza Drive Suite 300
Las Vegas, NV 89135

NMLS #1418252

VA Approved Lender #907788-00-00

CaliforniaDBO Finance Lenders Law License #60DBO-56065