Adchemy, Inc. and RateMarketplace® ("we" "our" or "us") is not an insurance agency. The information provided by you to us is not an application for insurance, nor is it used to prequalify you with any insurer, broker or underwriter. If you are contacted by an insurer, broker or underwriter that advertises with us and you submit information to such insurer, broker or underwriter, your relationship remains between you and that entity.company.
We are a free matching service that instantly connects you with our network of quality insurance companies and agents. After you submit your quote request via our website, you will be immediately matched to insurance companies and agents that may best provide for your insurance needs, and we send your information to them so that they may contact you. This process happens instantly, so if you need to make changes to the information you entered on our website, you should discuss that with the insurance company.
Adchemy, Inc. Nationwide Mortgage Licensing System No. 83618.
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.
Alabama
Alabama Mortgage Brokers License No. 20798
Alaska
Alaska Mortgage Broker License No. AK83618-1
Adchemy, Inc. DBA RateMarketplace
1001 E. Hillsdale Blvd., 7th Floor
Foster City, CA 94404
(650) 581 – 4600
Arizona
Arizona Mortgage Broker, LICENSE NO. 0909713
1001 E. Hillsdale Blvd., 7th Floor, Foster City, CA 94404
Arkansas
Arkansas Mortgage Broker License No. 43045
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:
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
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. You acknowledge that this mortgage broker fee will be paid to Adchemy.
Connecticut
THE CONNECTICUT HOME MORTGAGE DISCLOSURE ACT PROHIBITS DISCRIMINATION AGAINST HOME PURCHASE LOAN, HOME IMPROVEMENT LOAN OR OTHER MORTGAGE LOAN APPLICANTS SOLELY ON THE BASIS OF THE LOCATION OF THE PROPERTY TO BE USED AS SECURITY. THE AGENCY WHICH ENFORCES COMPLIANCE WITH THIS LAW IS:
DEPARTMENT OF BANKING
260 CONSTITUTION PLAZA
HARTFORD, CONNECTICUT 06103
IF YOU BELIEVE YOU HAVE BEEN UNFAIRLY DISCRIMINATED AGAINST, YOU MAY FILE A WRITTEN COMPLAINT WITH THE COMMISSIONER OF BANKING AT THE ABOVE ADDRESS.
ADCHEMY, INC. IS A BROKER ONLY, NOT A LENDER.
CONNECTICUT MORTGAGE BROKER LICSENSE NO. MB-83618
Delaware
Delaware Mortgage Loan Broker License No. 010781
If you transact with one of our participating lenders, the lender shall issue a written agreement, in accordance with § 2113, 5 Del.C., Chapter 21, prior to receiving a fee and prior to the time the lender undertakes to perform mortgage loan brokerage services. The agreement: (1) Must describe the services to be provided by the mortgage loan broker and the time period within which such services are to be provided; (2) Must specify the amount and terms of the fees that the mortgage loan broker is to receive; and (3) Shall otherwise contain such information and disclosures, in such format, as the Commissioner by regulation may provide.
District of Columbia
District of Columbia Mortgage Broker License No. MLB6951
Financing Agreement:
If you transact with one of our participating lenders, the lender shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1113. This agreement shall include: 1) the terms and principal amount of the loan, 2) explanation of the type of mortgage loan being offered, 3) the rate of interest that will apply to the loan and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts, 4) the points and all fees, if any, to be paid by the borrower or the seller, or both; and 5) the term during which the financing agreement remains in effect.
The financing agreement executed by the lender shall be delivered to the borrower at least 72 hours before the time of settlement agreed to by the parties.
Georgia
Georgia Mortgage Broker License No. 23858
If your loan request is forwarded to participating lenders, the participating lenders are responsible for providing you detailed information about their loan products and their specific services prior to accepting application fees from you, including the amount of the application fee, a good faith estimate of the credit report fee, the property appraisal fee and/or any other third party fees; whether all or part of such fees are refundable prior to closing, the terms and conditions for any refund and conditions that may result in foreclosure.
Florida
Mortgage Lender License No. MLD 515
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.
Hawaii
Hawaii Mortgage Broker License No. MB 1474
Idaho
Mortgage Broker/Lender License No. MBL-6941
Illinois
Illinois Residential Mortgage Licensee No. MB6760658
If your loan request is forwarded to our participating lenders, a Borrower Information Document may be provided to you by the Lender you select pursuant to the Residential Mortgage License Act of 1987 and Rules promulgated thereunder (38 Ill. Adm. Code 1050). The purpose of this document is to set forth those exhibits and materials you should receive or be receiving in connection with your residential mortgage loan application with the lender based on your matching request. You may also receive from the lender you are matched with a list of documents and materials required to complete your loan application with the lender.
Loan Brokerage Agreement and Broker Disclosure Statement
Adchemy, Inc. is a mortgage broker and not a lender. We cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. The lender you select will provide the funds for your loan, and is responsible for the availability of those funds.
We do not charge you any fee to arrange a mortgage loan from the mortgage lender. We receive a modest fee from lenders that we match you with based on the information that you provide. Our service consists of collecting information from you (with your authorization), transmitting this information to participating lenders in our network and offering you access to general mortgage related information.
If Adchemy makes false or misleading statements, you may, upon written notice: 1) void this agreement, 2) recover monies paid to Adchemy for which no services have been performed, and 3) recover actual costs, including attorney’s fees, for enforcing your rights under this agreement.
Adchemy, Inc.
1001 E. Hillsdale Blvd., 7th Floor
Foster City, CA 94404
Commissioner of Banks and Real Estate
310 So. Michigan Ave
Ste. 2130
Chicago, IL 60609
(312) 793-0291
Iowa
Iowa Mortgage Broker License No. 2008-0105
Kansas
Kansas Licensed Mortgage Company
Adchemy Mortgage Company License No. MC.0001618
Adchemy Inc., dba RateMarketplace 1001 E. Hillsdale Blvd., 7th Floor, Foster City, CA 94404
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.
Kentucky
Kentucky Mortgage Loan Broker License No. MB23349
Adchemy, Inc. provides a matching service only and does not act as a representative, agent or correspondent for any lender.
Maine
Maine Credit Services Organization, Registration No. CSO11106
Maine law requires that the disclosures below be provided to consumers before any contract is signed with, and before any money is paid to, a credit services organization or third parties. NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are entitled to a copy of this agreement.
PLEASE PRINT THIS INFORMATION AND SAVE IT FOR YOUR RECORDS. YOU ACKNOWLEDGE READING AND RECIVEING A COPY OF THIS DISCLOSURE TO CONSUMER.
Adchemy is not a lender and does not make loans or credit decisions in connection with loans. Adchemy is only an online lead generator. Our services are consultative only. We provide your request to participating lenders who may contact you with their conditional loan offers. You must rely on your own judgment in deciding which available loan product best suits your needs.
Adchemy does not endorse, recommend or favor the products of any participating lender. Adchemy is not an agent of either you, the consumer, or any participating lender. Additionally, we cannot guarantee you will be offered the lowest price or best terms available in the market.
Adchemy does not charge you a fee to use its services. Adchemy provide mortgage information at no cost to you. We receive a modest fee from the participating lenders for matching your loan request.
Escrowing of Consumer Funds: Adchemy does not accept any fees from the consumer, including third party fees.
Consumer Protection Bond: A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035
If you would like a counter-signed acknowledgement of this disclosure statement please print and mail, along with a return address to:
Adchemy, Inc.
Attn: Legal Department
1001 E. Hillsdale Blvd., 7th Floor
Foster City, CA 94404
Maryland
MARYLAND MORTGAGE LENDER LICENSE NO. 18579
Michigan
Michigan First Mortgage License No. FL0016557
Michigan Second Mortgage Broker Registrant SR0016558
Minnesota
Minnesota Residential Mortgage Originator License No, MN-MO-4013629
ADCHEMY, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.
This is not an offer to enter an interest rate lock-in agreement under Minnesota law.
Mississippi
Mississippi Licensed Mortgage Co. License No. 4091/2009.
Missouri
Missouri Residential Mortgage Brokers License No. 10-1639
Loan Brokerage Agreement and Loan Brokerage Disclosure Statement
NOTICE TO CONSUMER: Do not sign this agreement before you read it. You, or your attorney, are entitled to a copy of this agreement.
This document is provided pursuant to the Residential Mortgage Brokers License Act and related rules. Adchemy, Inc. is regulated by the Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your lender will provide you with any additional required documentation.
Adchemy is not a lender and does not make loans or credit decisions in connection with loans. Adchemy does not fund any loans. Funding is provided by another entity, which may or may not affect the availability of funds.
We operate under the name of Adchemy, Inc. Adchemy, Inc. is Corporation.
Adchemy does not broker any loans.
Adchemy does not charge you, the consumer, a fee to use our service. We are paid by its participating lenders for matching your request. Adchemy is not an agent of either you, the consumer, or any participating lender. Our services are administrative only. You should rely on your own judgment in deciding which available product and lender best suits your needs and financial means. Adchemy does not guarantee that completing a request to be matched will result in you being matched with a lender, receiving an offer from a lender or receiving a loan or service from a lender.
If your matching request is forwarded to any lender, you may be required by lender you select to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The lender will determine the amount of any such fee and should provide information to you regarding any refunds you may receive.
This agreement dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records.
Nebraska
MORTGAGE BANKER UNDER THE MORTGAGE BANKERS REGISTRATION AND LICENSING ACT. License Number 2009
New Hampshire
LICENSED BY THE NEW HAMPSHIRE BANKING DEPARTMENT. NEW HAMPSHIRE MORTGAGE BROKER LICENSE, LICENSE NO. 14451-MBR
New Jersey
New Jersey Licensed Lender No. 0806467 (Corporation)
New Jersey Licensed Lender No. 0806469 (Branch Office)
New Jersey Licensed Lender No. 9947038 (Individual)
New Mexico
MORTGAGE LOAN COMPANY LICENSE NO. NM-C-01020
New York
Adchemy, Inc. ("Adchemy") is a mortgage broker, not a lender. We do not accept any applications nor can we guarantee acceptance into any particular loan program. Adchemy matches consumers with third party lenders. Consumers contact Adchemy, provide certain information to Adchemy, and a loan information request is then forwarded from Adchemy to participating third party lenders. Adchemy does not charge the consumer a fee of any kind for the use of the service. Adchemy receives a fee of approximately $30 from the mortgage lenders whether or not a loan is completed. Adchemy does not make mortgage loans or credit decisions. If your loan information request is forwarded to our participating lenders, you may be required by the lender you select to pay an application fee to cover the costs of an appraisal, credit report, or other items. The amount of the fee will be determined by the lender. The lender should provide you with documentation as to whether any of such fees are refundable.
New York Mortgage Broker Disclosure.
As a Registered Mortgage Broker, Adchemy, Inc. is not empowered to make mortgage loans. All mortgage loans are arranged with third-party lenders.
This agreement will remain in effect as long as you wish to use the services offered by Adchemy, Inc. You may terminate this relationship at any time, without notice at no penalty to you. You may address questions or comments to Stacey Giamalis, General Counsel 1-650-581-4633 or by electronic mail to stacey@adchemy.com
Adchemy, Inc. is a Registered Mortgage Broker with the New York State Banking Department with offices at:
1001 E. Hillsdale Blvd., 7th Floor
Foster City, CA 94404
New York Mortgage Broker Registration No. A007009
North Carolina
North Carolina Mortgage Lender License No. AL-147592
North Dakota
North Dakota Money Broker License No. MB101894.
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.
If your loan request is forwarded to one or more participating lenders, you will receive from the lenders detailed information about your loan, including the loan amount, interest rate, points, fees and other terms.
Oklahoma
Oklahoma Mortgage Broker License No. MB001344
Oregon
Oregon Mortgage Broker License No. ML 4868
Pennsylvania
Licensed by the Pennsylvania Department of Banking
Mortgage Broker License No. MB 24731
Office: 1001 E. Hillsdale Blvd., 7th Floor, Foster City, CA 94404
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.
Tennessee
Tennessee Mortgage Broker License No. 3671
Texas
Adchemy, Inc. holds an Entity License # 75152 under the Mortgage Broker License Act from the Department of Savings & Mortgage Lending
Utah
IF YOUR LOAN REQUEST IS FORWARDED TO OUR PARTICIPATING LENDERS, UTAH LAW REQUIRES THAT WE ADVISE YOU THAT THE LENDER YOU SELECT MAY TRANSFER SERVICING RIGHTS TO YOUR LOAN TO ANOTHER LENDER. THE LENDER THAT MAKES YOUR LOAN WILL PROVIDE YOU A SEPARATE WRITTEN DISCLOSURE STATEMENT REGARDING THE SERVICING OF YOUR LOAN AND THE LIKELIHOOD THAT THE SERVICING WILL BE TRANSFERRED TO ANOTHER LENDER.
Utah Mortgage Lender Company, License No. 6517153-MLCO
Vermont
Vermont Mortgage Broker License No. 0970 MB
Vermont Trade Name #1 License No. 1039 MB
Pursuant to Vermont Regulation B-96-1, you are hereby advised that:
Virginia
Licensed by the Virginia State Corporation Commission, license no. MC4546
Washington
Washington Mortgage Broker License No.MB-83618
If your loan request is forwarded to one or more participating lenders you may receive from the lenders a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA.
Any interest rate quoted in connection with the loan you select is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and the lender. Adchemy does not officer lock-in agreements and does not guarantee any rate of interest quoted by any participating lender. If you enter a lock in agreement with any participating lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by the lender. The lender is obligated to send you written confirmation of the terms of any lock-in agreement with three (3) business days (including Saturdays) via first class mail.
Adchemy will not collect any fees from you in connection with your completion of a loan request. All fees will be collected from and payable to the lender. If the lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for your third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you.
If you are unable to obtain a loan for any reason, the lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act.
Washington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.West Virginia
West Virginia Mortgage Brokers License No. MB-24457
Wyoming
Mortgage Broker License No. 1401