Home Improvement Loan Texas | Terms of Loans & Contact Info

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§80.9 Required Disclosures.

(a) At the time an application for a Mortgage Loan is made to a Mortgage Broker or Loan Officer, the Mortgage Broker or Loan Officer shall provide the Mortgage Applicant with a disclosure describing their relationship, the duties of the Mortgage Broker or Loan Officer to the Mortgage Applicant, and a description of how the Mortgage Broker or Loan Officer will be compensated for his or her services. Such disclosures are to be made using forms promulgated by the Commissioner.

(b) In order to let its consumers know how to file complaints and to inform them of the Mortgage Broker Recovery Fund, Mortgage Brokers and Loan Officers must include the following notice in the disclosure required by subsection (a) above:

ANGELO CHRISTIAN IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST ANGELO CHRISTIAN SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT http://www.sml.state.tx.us/ OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT smlinfo@sml.state.tx.us.

THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.

Disclaimer:

This is not a commitment to lend. This may not be your final rate. There are no guarantees until the underwriter issues an approval and signs off on your loan. We don’t give you a gift card or reimburse you for your appraisal fee if you cancel the loan or the loan does not fund. These are merely the lowest rates we have available and may not apply to everyone but apply to certain individuals who meet qualifying criteria.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria [including providing acceptable property as collateral]. If you do not want to receive prescreened offers of credit from this or any other companies, call toll free 1-888-567-8688, Equifax Options, P.O. Box 740123 Atlanta, GA 30374, Experian Information Systems, Inc., P.O. Box 919, Allen, TX 75013, Trans Union Opt Out Request , P.O. Box 505, Woodlyn, PA 19094-0505 or by calling 1-888-5OPTOUT. Rates change daily. They change with out notice and if you do not lock it in you cannot be guaranteed to get the rates available for that day. In order to lock in a loan you must fax in all required documents and the underwriter must approve your loan. We can promise that your loan will close. All we can do is help, send the loan to underwriter and if they say you are approved then we can close the loan. Lender guidelines change daily so do your best to get the loan documents in to close the loan. We have no control on underwriting and turn times for closing. Again, our purpose to help you with your desired financial goals. To receive the $500 promotion you must display an approved loan by another lender and if we cannot match or beat that offer then we will send out a $500 visa gift card. If the loan was locked after our lock then this offer does not apply.

*Terms and Conditions: This offer is extended because you appear to satisfy certain credit criteria derived from information contained in a pre-qualifying report received from a credit reporting agency used by us. The amount and terms of any credit offer we extend to you will be determined by your credit history, your capacity to make payments and available equity in you home. You may no loner qualify if you do not continue to meet the criteria used to select your name for this offer or any applicable criteria on creditworthiness, or if you do not or cannot furnish any required collateral. To qualify for this offer you may be required to provide up to two years of income verification. This offer is made under the assumption that you will qualify for a minimum of $10,000 equity line and that your debt-to-income ratio can not exceed 50%, other programs may be available with a higher level of debt. *Credit severity may affect down payment. The lender may also choose to cancel this offer if it is unable to verify information you have provided. You must be at least 18 years of age. All bankruptcies must be discharged. This pre-approved offer is non-transferable, is available only to single family residences or owner-occupied condominiums, and is not valid on mobile homes or cooperatives. The lender, or an affiliated lender must be in a valid first or second lien position and property hazard insurance is required. All terms and conditions are not final and are to underwriter discretion. We have no commitment to lend or guarantee anything. All pardons or grants are subject to the discretion of Angelo Christian . We do not give anything away unless under a certain program. See Angelo for details. So all things are to out discretion and how the loan is done.

Some loan programs offer an appraisal fee credit. Upon your loan closing and funding you would receive a broker credit on your settlement statement for the amount of one appraisal fee that you must have paid for upfront to the appraisal company we have selected. If your loan is denied, cancelled or withdrawn you will not receive an appraisal fee credit.