Disclosures & Licenses

Adchemy Inc. (Adchemy) is not a lender or a broker. The information provided by you to Adchemy is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by a lender or broker that advertises with Adchemy and you submit a loan application to such lender or broker, your information remains between you and that lender or broker.

Adchemy does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of Regulation Z.

Adchemy shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.

In no event Adchemy be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, currentness, validity and quality of any information is with the user.

California

Adchemy is a Licensed Real Estate Broker, License No. 1783616

CA Dept. of Real Estate, (916) 227-0931.

Adchemy does not make mortgage loans or commitments.

The Housing Financial Discrimination Act of 1977 Fair Lending Notice It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of:

a. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or

b. Race, color, religion, sex, marital status, national origin or ancestry.
It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or the agency noted below.

Department of Real Estate
2201 Broadway
P.O. Box 187000
Sacramento, CA 95808-7000

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act.

If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.
An applicant, if married, may apply for a separate account.

Mortgage Loan Disclosure Statement
Adchemy will receive a fee from a Lender upon passing along your inquiry as compensation for its services as a mortgage broker. Adchemy receives this fee whether or not you close your loan. This is the total compensation Adchemy. receives from the Lender for its services and the Lender pays this fee. I acknowledge that this mortgage broker fee will be paid to Adchemy and that there is no other mortgage broker fee agreement between us.

Florida

Florida Correspondent Mortgage Lender, License No. CL 0703753

This disclosure is written to give you notice Adchemy does not originate mortgage loans or commitments. Although Adchemy will forward your loan request to its participating lenders, Adchemy does not guarantee acceptance into any particular loan program.

Should you choose to apply for a mortgage loan with a participating lender, that lender will provide you with a Good Faith Estimate itemizing fees, including loan origination and/or other settlement service fees. The documentation you receive will also include information on whether any fees paid are refundable.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM ADCHEMY OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY ADCHEMY. HOWEVER, ADCHEMY RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

A LENDER IS ALLOWED TO REQUIRE THE USE OF AN ATTORNEY, CREDIT REPORTING AGENCY OR REAL ESTATE APPRAISER CHOSEN TO REPRESENT THE LENDER'S INTEREST.

Kansas

Adchemy Mortgage Company License No. 2006-5182

Adchemy Inc.

Dba RateMarketplace 203 Redwood Shores Parkway., Suite 125 Redwood City, CA 94065

Adchemy is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee’s products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Pennsylvania

Licensed by the Pennsylvania Department of Banking

Secondary Mortgage Broker License No. 18493.001

If you choose to transact with a Lender, you may be required by the Lender to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender determines the fee amount. Your loan documents will disclose whether these fees are refundable or nonrefundable.

Variable Interest Rate Disclosure
Pennsylvania’s Loan Interest and Protection Law applies to loans of $50,000 or less. This law requires a Lender offering a mortgage with a variable interest rate to also offer a mortgage with an interest rate that will not change. This fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.

South Dakota

South Dakota Mortgage Broker License No. 725

Tennessee

Tennessee Mortgage Broker License No. 3671

Virginia

Virginia Mortgage Broker License No. MB-3650

Wyoming

Mortgage Broker License No. 1401