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eLendingSaver.com is not a lender or a banker (“Service Provider”). Service Providers participate in our matching engine that may or may not have mortgage loan products available matching the criteria you submit via our quote form. The information collected is not an application for credit or a mortgage loan, and it is not used to pre-qualify you with any Service Provider. There is no cost to submit a loan request, get matched with lenders or to receive mortgage quotes. You may review the loan offers and discuss them with the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost. eLendingSaver.com does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

About Our Advertised Rates***

Adjustable Interest Rates and Advertised Payment Terms

• Our advertised adjustable interest rates are based on a 5 year fixed ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term and are current as of February 21, 2012. This loan offers a fixed rate for the first five years, adjusting once a year thereafter.
• Example assumes a $160,000, 5-year Adjustable Rate Mortgage (ARM) with an initial fixed rate of 2.50% and $3,133 in lender fees & points due at closing. The Annual Percentage Rate (APR) is 3.267%. Rate is variable. The estimated monthly payment of $632 is fixed for the first 5 years and does not include taxes or insurance. After the first 5 years, the interest rate and payment will adjust every year.
• An Adjustable Rate Mortgage (ARM) is a mortgage with an adjustable rate that is amortized over 30 years.
• Your interest rate is fixed for the first 5 years of the loan repayment period, depending on the type of ARM you have.
• After the initial fixed-rate period, the interest rate could adjust every 12 months, depending on the product and the financial markets. The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may go up or down each year.
• Interest rate adjustments are capped at 5% above your initial rate and 2% per adjustment period. In other words, if you’re initial interest rate is 4.5%, your rate will never be higher than 9.5%, and never rise more than 2% per year.

Other Information

• Actual mortgage payment will vary based on your situation and the current interest rates when you apply. Loans may carry closing costs and/or origination points.
  
• Not all consumers will be matched to a lender that is able to supply the advertised rates.
• Interest rate quoted assumes a maximum loan-to-value ratio of 70% on a primary residence and a minimum FICO score of 760.
  
• We cannot guarantee any specific interest rate or mortgage payment.
• May not be available in all states. Otherwise, no matter what state you live in we invite you to complete our form to be matched with lenders offering other programs in your state.
• Available rates and payment terms are subject to change daily without notice.
• Actual mortgage payment will vary based on your situation and the current interest rate when you apply. Not all consumers will be matched to a lender that is able to supply the advertised rates. Payment amounts shown do not include taxes or insurance.
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