Disclosures

Notice

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 refinance program. Rite Lend will pay for all of the closing costs except prepaid interest, taxes, insurance and payoff demand fees. Closing costs credits issued through closing (escrow) which covers closing costs except prepaid interest, taxes, insurance and payoff demand fees.

BIG ZERO applies to specifically advertised programs and specifically advertised interest rates.
BIG ZERO have NO Points
BIG ZERO have NO Title Fees
BIG ZERO have NO Escrow Fees
BIG ZERO have NO Junk Fees
BIG ZERO refinance assumes minimum loan amount of $350,000 upto $417,000, 740 minimum FICO, No Cash Out refinance, Single Family detached primary residence, Loan to Value 60% or less with impound tax and insurance.
Not all applicants will qualify for BIG ZERO refinance. Qualifying Restrictions apply.
BIG ZERO advertised interest rates are subject to change without notice
BIG ZERO loans 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. Loans that 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 provided 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 of this information and supporting documentation include but are not limited to appraised value, occupancy, applicant income, applicant assets, applicant credit and property title.

Advertised Interest Rate Assumptions

Conforming loan amounts (up to $417,000). APR (Annual Percentage Rate) disclosed assumes APR calculations based on Fully documented No Cash Out Refinance with a minimum loan amount of $350,000, 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.  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.

High Balance Conforming loan amounts ($417,000 to $625,500) APR (Annual Percentage Rate) disclosed assumes APR calculations based on Fully documented No Cash Out Refinance with a minimum loan amount of $417,000, 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. 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.

Interest Rates disclosed on Rite Lend website assume minimum loan amount of $350,000 up to $417,000. Interest Rates may be higher for loan amounts lower than $350,000 and over $417,000.

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 still qualify for a loan but higher rates may apply. Restrictions apply.

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 either Fannie 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.

IMPORT TERMS 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 lates 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 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.

BREXIT REFI SPECIAL:

Advertised Interest Rate and APR (Annual Percentage Rate) based on $350,000 minimum loan amount with a fixed interest rate with 360 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.

State Licensing

Capview, Inc. dba Rite Lend, Rite Lend, Inc. NMLS #1418252
15635 Alton Parkway Suite 300
Irvine, CA 92618

VA Approved Lender #907788-00-00

California DBO Finance Lenders Law License #60DBO-56065
Colorado Mortgage Company Registration – Regulated by the Division of Real Estate NMLS #1418252
Texas Department of Savings and Mortgage Lending, Mortgage Company License NMLS #1429493
3333 Lee Parkway Suite 600 Dallas, TX 75219