Loan Assumptions

30 Year Fixed - First Mortgage

Rate Disclosure: Assumes a rate and term refinance loan of between $300,000 and $484,350 on an owner-occupied single-family residence in California and Washington with a minimum 760 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, interest rate will be higher. Subject to underwriting approval. Not all applicants will qualify.

15 Year Fixed - First Mortgage

Interest rate disclosed assumes: rate and term refinance loan with loan amounts between $300,000 and $484,350; owner-occupied single family residence in California and Washington, with a minimum 760 FICO credit score, 60% loan to value with no secondary debt. If this criteria is not met, the interest rate will obviously be higher. Subject to underwriting approval. Not all applicants will qualify.

Rates, loan products & fees are subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may be different than the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance required. Loans are secured by a lien against the property. Consolidating or refinancing debts may increase the time and/or finance charges or total loan amount needed to repay the financial obligation. Terms, conditions & restrictions apply. Call for details.

Equal Housing Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

Fair Lending Policy

It is the policy of Chgo Mortgage Guy, Also doing business with All Western Mortgage Company, to comply with the Equal Credit Opportunity Act and the Fair Housing Act. Our policy is also to comply with state laws that provide greater protection. Loan Factory does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.

At Chgo Mortgage Guy, also doing business with All Western Mortgage Company, we do not engage in any form of discriminatory treatment of applicants or discourage anyone on a prohibited basis from applying. So, to assure our employees are thoroughly aware of the extent to which we are committed to this nondiscriminatory method of doing business, we have adopted the following fair lending policy. We shall be completely acquainted with this policy and in accordance with it.

1. We do not discriminate against a loan applicant or borrower on the basis of race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or part of an applicant's income comes from any public assistance program or because the applicant has exercised any right under any relevant state or federal law.

2. We do not selectively encourage applicants, and we take no action that would, on a prohibited basis, discourage a reasonable person from applying for a mortgage loan.

3. We do not, on a prohibited basis, refuse to make a loan, vary the terms offered including the amount, interest rate, period or type of loan, or use different standards to evaluate collateral or decide whether to extend credit.

4. We do not engage in practices or policies that have a discriminatory effect. This rule applies to all phases of our mortgage lending business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.

5. We have adopted nondiscriminatory loan underwriting standards that avoid subjective, unwritten rules that may have a discriminatory effect. We make these underwriting standards available to the public upon request at one of our offices.

6. We ensure our scoring system is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.

7. We train our loan personnel in the principles of fair processing and underwriting.

8. Our Quality Control Manager periodically reviews both our loan underwriting standards and the business practices by which we implement them to determine whether they ensure equal lending opportunity and reports to management.

9. We periodically review our loan portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community's demographic characteristics and credit demands.

10. We prominently post the poster in a common area of each of our offices stating that we are subscribing to the Equal Housing Act. We also display on all forms of advertising, regardless of medium, the Equal Housing Opportunity logo and/or the Equal Housing Opportunity slogan.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

We are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan to help the Federal Government combat fraud, including mortgage fraud, terrorism, and money laundering activities. How this affects you: If you apply for or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.