Disclosures and State Licensing Information
Metro Mortgage Guide Disclosures

What is Metro Mortgage Guide? The Metro Mortgage Guide web sites is a service for mortgage consumers. Metro Mortgage Guide does not sell mortgage products, and is not affiliated with any mortgage company. All information is strictly confidential and is transferred upon receipt by Metro Mortgage Guide to mortgage lenders who will contact you directly. Metro Mortgage Guide is not hereby endorsing or recommending any specific mortgage company, coverage, product or policy type. Nothing on this website should be construed an offer to buy mortgage products, but merely a confidential information inquiry.

Not a lender. Metro Mortgage Guide is not a lender and does not make loans. Loans are made only by participating lenders who are solely responsible for all aspects of their products and services. Metro Mortgage Guide does not make any guarantees or representations about the products or services offered by its network of participating lenders.

Not a broker. Metro Mortgage Guide is a computerized loan referral system whose function is to provide your information to mortgage lenders if you complete our "Find A Lender For You" form and also publish mortgage lender information on our websites. Metro Mortgage Guide is not a mortgage or loan broker as it never solicits, processes, places or negotiates mortgage loans or applications for any party. At no time does Metro Mortgage Guide ever act as an agent or intermediary for any parties or have any role or interest in any mortgage loan you may enter with a participating lender.

No obligation. You are under no obligation to use Metro Mortgage Guide to apply for your loan, even if you use it to research loan products from participating lenders.

No guarantee. When using Metro Mortgage Guide there is no guarantee that you will be able to close a loan from any of the network of participating lenders. Each lender has its own standards for loan approval. Rates quoted are not locked until a separate agreement is made with the lender. Other lender costs are estimates; the actual cost may vary.

No direct fees. Metro Mortgage Guide does not charge direct fees to you, the borrower.

The payment will be based on the services Metro Mortgage Guide provides to your lender.

Federal Disclosures

Your lender will make certain disclosures to you when you complete your loan application with them. These disclosures are required by the Truth-in-Lending Act and the Real Estate Settlement Procedures Act (RESPA) and include:

• Credit cost disclosures.
• Good faith estimate of settlement costs.
• The HUD booklet, "Buying Your Home: Settlement Costs and Helpful Information."
• Disclosures about the possibility that your mortgage loan servicing may be transferred.
• Disclosures about your right to a copy of the appraisal of your home.
• Disclosures about how your loan will be serviced.