LenderQuotes.net is not acting as a lender or a broker ("Service Provider"). The information provided by you to LenderQuotes.net is not an application for a mortgage loan nor is it used to pre-qualify you with any lender. Leading Service Providers, who participate in our matching engine, may have loan products available, matching the criteria you submit via our forms.

If you are contacted by Service Provider(s), advertising within our or our partner network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. LenderQuotes does not guarantee that the rates or terms offered and made available by participating Service Providers are the lowest rates available in the market or the best terms available; not all Service Providers in our network offer the products that we advertise. Completing our quote forms does not obligate you to purchase a service or product from the providers, nor does it obligate a provider to offer to you any particular service about which you may have inquired.

Promotional APR's and payment amounts are offered by Lender(s) participating with our LenderQuotes.net matching program. LenderQuotes.net. is not the lender in any transaction. The rates and terms you are offered are the responsibility of the Lender and will vary based upon your loan request and are determined by the Lenders to whom you are matched. There is a possibility that you may not be matched with the Lender making this offer. The interest rate disclosure by the Lender making the promotional offer is as follows:

* $190,000 Mortgage for $733/month. Example assumes a $190,000, 3-year fixed, Interest Only Adjustable Rate Mortgage (ARM) with an initial fixed rate of 4.625%, Annual Percentage Rate (APR) of 5.426% and 2.71% loan origination/discount points due at closing. Monthly payments of $732.29 consist of interest only; payments are not required towards the principal balance during the first ten years of the loan term. The interest rate on this loan is fixed for the first three years; at the end of the three year initial period the interest rate resets and will continue to reset every 12 months, and loan payments may go up or down depending on current market conditions. Rates and APRs may vary depending on loan details, such as points, loan amount, loan-to-value, your credit, property type, and occupancy. The example assumes a credit score of 760 or greater with a loan to value (LTV) of 80% or less on a primary residence. This program is available as of September 9, 2008 from a participating Service Provider.

** Refinance at 5.5% Fixed. Example assumes a $200,000 loan amount with a fixed interest rate of 5.5% and Annual Percentage Rate (APR) of 5.609%. Terms are based on a 15 year term fixed rate loan with principal and interest payments of $1,634.17 per month with a 0.7% loan origination/discount points due at closing. The example assumes a credit score of 760 or greater with a loan to value (LTV) of 80% or less on a primary residence. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, location, type of property, and other factors. This program is available as of September 9, 2008 from a participating Service Provider.