Disclaimers

ASSISTANCE AND GRANT PROGRAMS: Assistance and Grant Programs are offered and provided by third-party entities whom set restrictions, conditions, qualification criteria, and repayment requirements to which SecurityNational Mortgage Company must abide.

BROKERED OUT PRODUCTS: SecurityNational Mortgage Company may act as a third-party originator and submit loan packages/applications directly to third party lenders for approval.

CO-MARKETING

GENERAL: SecurityNational Mortgage Company complies with Section 8 of RESPA and does not offer anything of value, including marketing services or defrayed business costs in exchange for referrals or for the expectation of referrals.

MARRIED INDIVIDUALS: Loan Originators for SecurityNational Mortgage Company may be the spouse of another individual involved in a transaction, including but not limited to, real estate agent, attorney, financial advisor, title company employee, home-owner insurance agent, and similar. Consumers may always shop for such services and are under no obligation to hire the services of either the other party or the loan originator.

CREDIT REPAIR: Neither SecurityNational Mortgage Company, nor any loan officers and employees listed herein are in the business of credit repair, and will not offer advice in those matters. A free annual credit report can be obtained at www.annualcreditreport.com.

DELIVERY OF A LOAN ESTIMATE: SecurityNational Mortgage Company does not require any documentation for an applicant to apply and receive a Loan Estimate.

ENERGY EFFICIENT “GREEN” PROGRAMS: Some loan programs qualify for a loan discount for energy efficient “green” construction. Not all properties will qualify.

FOREIGN LANGUAGE: ALL transactional documentation, including application, disclosures, closing documents, etc. MUST/WILL be in English, regardless of the language used on a written piece of marketing, or in verbal communications.

GOVERNMENT ASSOCIATION: SecurityNational Mortgage Company is not affiliated with, endorsed, or sponsored by any government entity, and names, logos, and/or trademarks belong to the respective governmental entity.

HOME MORTGAGE DISCLOSURE ACT (“HMDA”): 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.

LOAN COMMITMENT: Loans are subject to borrower and property qualifications. Refinancing an existing loan may result in greater total finance charges over the life of the loan. A reduction in payment may reflect a longer loan term. Contact loan originator listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice..

NATIONWIDE MULTISTATE LICENSING SYSTEM’S CONSUMER ACCESS WEBSITE: www.NMLSConsumerAccess.org

REVERSE MORTGAGE: Borrowers aged 62 and over may qualify for a reverse mortgage loan program on their primary residence, based upon the property’s current equity. The borrower chooses to receive loan proceeds in one lump sum, or over regularly scheduled intervals. There are no monthly payments required so long as the borrower occupies the property as their principal residence, ensures the condition of the property is maintained to FHA standards, and remains current on ALL taxes (such as property), insurance (such as hazard), dues (such as homeowner association), and other such costs separate from the reverse mortgage itself. The loan is due and payable when the borrower vacates, or sells the property. Borrowers must complete counseling with a government certified counselor before applying. Borrower should address questions about taxes, Social Security, Medicare, etc. to professionals in those fields.

SEEK PROFESSIONALLY LICENSED ADVISORS: Unless individually licensed and specifically denoted in their credentials, Loan Originators and employees of SecurityNational Mortgage Company are prohibited from providing professional services such as an accountant, attorney, certified financial/estate planner, investment specialist, tax expert, etc. Always seek professional advice for such services.

STATE SPECIFIC DISCLAIMERS AND LICENSING INFORMATION: Click Here