LICENSING: NMLS ID #11712 (www.nmlsconsumeraccess.org); Located at 1395 Brickell Ave 4th Floor, Miami, FL 33131; Equal Housing Lender, Stated rates subject to change and may not be available at commitment or lock in. Discount Points may apply, Subject to Credit Approval. Not licensed in all states, Licensed by the CA Department of Financial Protection and Innovation under the California Finance Lender Law #603D787; Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act for Servicing Loans #41DFPI-91719; Delaware – Licensed by the Delaware State Bank Commissioner under Chapter 22, Lender license number 010234, expires 12/31/2024; Illinois Residential Mortgage Licensee MB.6760309; New York Licensed Mortgage Banker – NYS Department of Financial Services #B500910, please go to  https://www.networkcapital.com/mortgage-licenses to learn more about the states we are licensed in.

*$0 Lender Fee refers to Lender’s Origination, Administration, Funding, Processing or Underwriting fees. Discount Points may apply depending on the rate chosen. All other costs, including, but not limited to Settlement Fees, Title fees, Appraisal Fees, per diem Interest, Surveys, Pest Inspections, and Insurance Premiums still apply.

**15 business days refers to the time between the consumer’s intent to proceed and signing loan documents. This is our Super Express program and participating in the program requires the consumer’s notification at intent to continue. The consumer must be willing and able to submit any and all required documentation in a timely manner, and does not renegotiate terms or pricing after their intent to proceed is given.

TEXAS CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE 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 OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Average Monthly Debt Savings - AMDS was calculated using 30-year fixed cash-out refinance from mortgage transactions funded between January 1st and April 20th 2022, on Primary Residences. The consumers had FICO scores 720 or lower, received less than $8,675 cash in hand and had no current impounds. The AMDS during this time period was $847.00 per month, and with a 95% confidence factor minus 5%, it was $762. This illustration of savings was typical and is not guaranteed, as each consumers' situation is different.

Market average mortgage rates are quoted from the following sources as identified:
https://www.freddiemac.com/pmms
https://fred.stlouisfed.org/series/OBMMIFHA30YF
https://fred.stlouisfed.org/series/OBMMIVA30YF