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Home Loans With Vanessa

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Privacy Policy NMLS Consumer Access Fair Lender Fair Housing

This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Obsidian Financial Services is an Equal Opportunity Lender and an Equal Housing Lender. NMLS 1425046

WEBSITE DISCLAIMER

No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

TEXAS COMPLAINTS & REIMBURSEMENTS

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.

COMARKETING DISCLAIMER

Obsidian Financial Services Inc., and its Loan Officers, adhere to RESPA regulations. They are required to ensure equitable co-investment in marketing efforts when jointly advertising with a real estate professional. OFS is an Equal Housing Lender. NMLS #3116.

Obsidian Financial Services Inc., and its Loan Officers, adhere to RESPA regulations. They are prohibited from paying referral fees to non-employees or real estate professionals for a referral of business. Obsidian Financial Services Inc does not require documents in addition to the loan application in order to provide applicants with a Loan Estimate.

PRE-APPROVAL DISCLAIMER

Mortgage loan pre-approvals are subject to several conditions remaining unchanged through the closing and funding of your loan. Be advised that your credit report may be pulled again at closing to ensure no changes have occurred. Some items that can affect your pre-approval: any changes in real estate purchase contract terms: sales price; closing date; deadlines; Adequate valuation from appraisal; conditions or exceptions to appraisal; changes in your financial situation; Increased debt ratios; changes in credit scoring and reported items; New debt or inquiries on your credit; buying/selling of assets; Any collection/lien notifications; Job changes or pay rate changes of any kind; Co-signing on a debt for anyone; Making any large deposits or money transfers; Unseasoned funds for down payment and closing costs. This list in not all-inclusive. Please contact your loan professional prior to taking actions that could change your financial situation.