ADVERTISING DISCLOSURE

Advertised Claim: "Rates as low as 5.212% APR*" or "Rates as low as 4.875% / 5.212% APR*"

The advertised APR is based on a real advertised lender offer available at the time the rate was reviewed. The offer applies to a 10-year fixed cash-out refinance loan and is intended for highly qualified borrowers. Not all consumers will qualify for the advertised APR, rate, payment, points, fees, or loan terms. Availability depends on lender criteria, borrower qualifications, property characteristics, loan amount, loan-to-value ratio, occupancy, credit profile, state availability, and other underwriting factors.

The advertised loan has a fully amortizing 10-year fixed term. Rates and terms are subject to change without notice. For an exact quote, consumers must contact the applicable lender and complete the lender's process for rate, term, and credit review.

Offer Assumptions

• Product: 10-year fixed cash-out refinance loan.
• Borrower credit profile: FICO score of 780 or higher.
• Property type and occupancy: single-family, owner-occupied home.
• Property location: Delaware.
• Estimated property value: $1,200,000.
• Loan amount: $750,000, including cash out.

Payment Example

Important Limitations

• The advertised APR and payment are examples only and are not a commitment to lend.
• Not all consumers will qualify for the advertised rate, APR, payment, or terms.
• The advertised terms may be available only to highly qualified consumers and may not be available from all lenders or in all states.
• Consumers may not be matched with the lender whose advertised offer was used as the basis for this disclosure.
• Actual interest rate, APR, points, fees, payment, and available loan terms may vary based on the lender selected, verification of information, credit history, property location, property type, occupancy, loan amount, loan-to-value ratio, debt-to-income ratio, and other lender underwriting criteria.
• Rates, fees, points, payments, lender availability, and loan terms are subject to change without notice.

RateZip's Role

Peklava LLC dba RateZip is not a lender and does not make loans, issue loan commitments, approve or deny credit, set loan terms, or lock rates. RateZip may match consumers with one or more non-affiliated participating lenders or providers. All credit decisions, including loan approval, prequalification, conditional offers, rates, APRs, payments, fees, and final loan terms, are made solely by the participating lender.

Information submitted through RateZip is not an application for credit or a mortgage loan and is not used by RateZip to prequalify consumers for credit. If a consumer proceeds with a lender, the lender may require a separate application and will provide disclosures required by applicable federal and state law.

No Guarantee of Offer or Match

RateZip does not guarantee that any consumer will be matched with a particular lender, receive a particular loan offer, qualify for the advertised APR or rate, or receive any loan approval. Consumers should review all lender-provided disclosures and loan terms carefully before proceeding.

Accuracy, Availability, and Third-Party Information

RateZip makes reasonable efforts to present current and accurate information, but advertised rate information may be obtained from third-party sources or participating lenders and may change without notice. RateZip does not guarantee the completeness, accuracy, or availability of any third-party rate, lender offer, loan term, fee, or payment example.

Any links to third-party websites are provided for convenience. RateZip does not control third-party websites and does not make representations or endorsements regarding third-party content, loan offers, rates, APRs, fees, or terms displayed on those websites.

Required Lender Disclosures

If a lender contacts a consumer or a consumer applies for a loan with a lender, that lender is responsible for providing disclosures required by applicable federal and state law, including disclosures required under the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure (TRID) Rule, the Equal Credit Opportunity Act (ECOA), and other applicable laws and regulations. RateZip does not participate in the lender's credit decisioning process and does not make representations regarding any lender's compliance obligations.