Terms and Conditions

Disclaimers

Main Disclaimer: Subject to qualified buyers. Mortgage product and rates subject to change. Company NMLS # 2731. Mortgage Access Corp. d/b/a Weichert Financial Services, Executive Offices, 225 Littleton Road, Morris Plains, NJ 07950. 1-800-829-CASH. Licensed by the NJ Dept of Banking and Insurance. Licensed Mortgage Banker with the State Dept of Banking in NY and CT. Licensed by the Pennsylvania Department of Banking, Mortgage Lender 21042. Licensed Lender in AK, AR, DE, MD, D.C., GA, ME, MN, WI, IA, IN, LA, VT, WV, KY, NC, NE, WY, OK, TN, MI. Licensed by the Virginia State Corporation Commission, License #MC297. Licensed Mortgage Lender in the Commonwealth of Massachusetts. License #ML1713, Certificate #43155. Certificate of Authority to transact business in CO. To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm. Licensed Lender in SC. Licensed Mortgage Lender in TX. Licensed with the Financial Institutions Division in New Mexico, License # 01297. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Licensed Mortgage Broker and Lender Ohio. MB.803167.000; SM.501248.000. Licensed Loan Broker and Lender Rhode Island. Kansas Licensed Mortgage Company, License #MC.0001229. Licensed by the New Hampshire Banking Department. License # 8714-MB. Licensed Oregon Mortgage Lender License #ML2528. Illinois Residential Mortgage Licensee, License #MB.0006377. Mississippi Licensed Mortgage Company, License #357/2008. Washington Consumer Loan License # CL-2731. Alabama Consumer Credit License #21213. Weichert Financial Services arranges loans with third-party providers. Equal Housing Lender.

5/5 ARM Disclaimer: For loan amounts up to $4 million, monthly mortgage payments quoted are to qualified buyers. As an example, a $500,000 conventional 5/5 ARM with a 30-year term at 3.00% with 0 points (A.P.R. 3.515%) and with financing fees of $2491.43 would mean 60 monthly principal and interest payments of $2108.03. Your interest rate will be based upon an Index equal to the average weekly yield on United States Treasury securities adjusted to a constant maturity of one year, as provided by the Federal Reserve Board, 45 days before each adjustment date as published in the Wall Street Journal plus a 2.00% margin. Your interest rate and payment can change every 5 years, beginning in the 61st month. At the first interest adjustment, your interest rate cannot increase or decrease by more than 2 percentage points. At each subsequent interest rate adjustment, your interest rate cannot increase or decrease more than 2 percentage points. Your interest rate cannot increase more than 5 percentage points over the term of the loan. These are your "caps". At no time will the interest rate be less than the margin. Subject to underwriting (credit) approval. Available in all counties and all our licensed states. Primary and 2nd homes only. Figures used herein are approximate and do not include property taxes, condo/association fees, or hazard insurance and the actual payments will be higher. Consult with our licensed Gold Services Manager for terms and conditions.

Low Down Payment Jumbo Disclaimer: For qualified buyers only. This is a low down-payment loan program which requires borrower paid Mortgage Insurance provided through our specific lender. Must have a least a 10% down payment. For an example, on a $585,000 loan amount of a 30-year fixed mortgage at 4.5% (4.572% APT) at .125 point, the principal and interest payment for this loan would be $2989.44 a month. Figures used herein are approximate and do not include property taxes, condo/association fees, or hazard insurance and the actual payments will be higher. Consult with our licensed Gold Services Manager for terms and conditions.

Fixed Rate Disclaimer: For loan amounts up to $417,000 monthly mortgage payments quoted are to qualified buyers. As an example, a $200,000 conventional mortgage with a 30-year term at 4.0 % with 0 points (A.P.R. 4.20 %) with financing fees of $5,000 would mean 360 monthly payments of $983.88 (principal and interest). Figures used herein are approximate and do not include property taxes, condo/association fees, or hazard insurance and the actual payments will be higher. Consult with our licensed Gold Services Manager for terms and conditions.

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