*Disclaimers:
1: By using this site and submitting your request, you have read, understood and agreed to the disclaimers stated below as well as the terms and conditions set forth in our Privacy Policy and User Agreement that can be read by clicking on the underlined links.

2: Homeloanhelpline is not offering mortgage loans and is not acting as the lender or mortgage broker in any transaction. The information sheet is neither an application for a mortgage loan nor a pre-qualification with any lender or mortgage broker. By submitting your request to be contacted, you are consenting to have information contained in your information sheet sent, at the discretion of the website operator and based on information provided, to one or more mortgage lenders or brokers who may contact you by telephone, email and/or mail, even if you opted into the Federal Trade Commission's National Do Not Call List, any state Do Not Call List, and/or any company's internal Do Not Call List. Mortgage lenders or brokers who contact you may include but are not limited to Aegis Lending, Ameriquest, Countrywide, HFC, Novastar Mortgage, New Century, and Quicken Loans. You understand that mortgage lenders and brokers may maintain information you submitted whether you elect to use their services or not. You agree to notify any particular lender or mortgage broker directly if you no longer want to receive communications from that particular mortgage lender or broker. You understand that participating mortgage lenders or brokers to whom you are matched are responsible for rate, product, terms, loan amounts, and other information offered to you. Participating mortgage lenders and brokers independently determine the rates, terms, loan amounts, and requirements of any product offered to you. Their offerings may vary depending on your credit score, your credit history, the amount of equity in your property, your personal debit to income ratio, location, the type of property, and other factors. Their offerings may be subject to market conditions, approval, and qualification. Lenders or mortgage brokers in this network may not offer all products as well as not offer products in all states. You may not be matched with the mortgage lender or broker making a specific offer. A lender or mortgage broker in our network may contact you and quote you a higher rate, quote you a higher payment, or be unable to qualify you for a specific product or program.

3: The $964.92 payment is based on a start rate for a loan amount of $300,000 based on the minimum rate of 1% where the minimum payment is fixed for 12 months. Even though the minimum payment is fixed for the first 12 months, the fully indexed interest rate will change after the first month. The fully indexed interest rate will thereafter be based on an index (in this case, the one month Monthly Treasury Average, or “MTA” index, which is currently at 5.011% as of 3/5/2007, plus a margin of 2.25 to 3.025%, with the index adjusting monthly. For example, if the loan funded had a margin of 2.55%, the rate for the first month would be 1.0%, but on the second and subsequent months, the rate is 7.561% (and an APR of 7.714%) based on the total of the index (assuming it had not changed from the first month) plus the margin. Since the payment is still based on 1.0%, it is possible that the accruing interest will exceed the minimum payment amount, resulting in negative amortization. If the borrower selects to make principal and interest payments amortized over 30 years, the monthly payment will be $2,110.19. This example is based on first mortgage loans for a single family residence, a loan to value of 80%, and no lender risk adjustments. There are credit restrictions and other terms and conditions that apply. The borrower may choose between paying the minimum payment, interest only payment or a fully amortized payment during the Option Arm period which can be as long as five years or if the balance reaches 115% of the original loan balance. At the end of each 12-month period, for the first five years, the payment can be adjusted up 7.5% of the payment amount. The Option Arm period of 5 years and the payments for the remaining term of the loan are subject to terms and conditions as well as potential changes and limits contained in your loan contract, mortgage, or other agreement. You may not be matched with the lenders(s) making this specific offer and some lenders may not offer this program in general or in certain states. Loans, rates, terms and conditions offered by lenders or mortgage brokers, in response to consumer’s inquiry, are subject to the approval and qualification as defined by the lender and are subject to change at any time without notice by the lender. There are many products, rates, and terms available that may not be offered depending upon many factors, including but not limited to your: 1) Credit History, 2) Type of collateral offered, 3) Documentation of income and other items related to creditworthiness and, 4) Eligibility and availability for certain programs offered based on State or local laws, investor and lender product availability, and 5) other factors.

4: Participating mortgage lenders and brokers are required to comply with all Federal, State, and local laws, including those governing equal opportunity lending, and fair housing.

5: Your Information Sheet may be provided to more than four mortgage professionals in certain situations as explained in the user agreement.

6: Your Information Sheet can only be used for the purposes defined in the user agreement and unauthorized Licensed or unlicensed Mortgage professionals, lead professionals or others using this form for any purpose other than those outlined in the user agreement understand the actions that may follow as outlined in the user agreement. The information sheet is not to be used by mortgage and lead companies or their employees or other representatives to gain contact information of lenders or mortgage brokers participating in this network for sales or other purposes.

7: You permit our company or a related company to contact or send you periodic updates of our or their product or company information.