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By submitting your request, you grant permission for up to 4 of our Premier Partners to contact you by phone even if you are on the Do Not Call Registry. Home Mortgage Guys is a lender referral service. Home Mortgage Guys is not a lender. We do not make loans or credit decisions in connection with loans, nor does Home Mortgage Guys issue commitments or lock-in agreements. We are not an agent of either you, the consumer, or any participating bank, lender or loan broker (we refer to all of these as "Lenders"). Our services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use Home Mortgage Guys to commence the financing process and we do not guarantee that completing a loan request will result in your receiving a loan from a Lender.
The loan request you submit is NOT an application for credit. Rather, it is a request for a loan pre-qualification. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fees, and should provide information to you regarding the refundability of any such fees. Home Mortgage Guys does not charge you the consumer, any fees for its services. Home Mortgage Guys receives its compensation from the Lenders for the goods, facilities and services actually provided by Home Mortgage Guys.
Your loan request will be forwarded to up to four Lenders, who may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs; HUD mandated booklets "Guide to Settlement Costs" and/or "When your Home is on the Line"; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, 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 (provided 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 is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
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