**Disclaimers:

1: Refinancetrust does not offer mortgage loans and is not the lender or mortgage broker in any transaction. By submitting your request to be contacted, you are consenting to have information contained in your information sheet sent 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 Countrywide, Quicken Loans and other mortgage lenders or mortgage brokers. 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 history, amount of equity in the property, location, the type of property, and other factors. Their offerings may be subject to market conditions, approval, and qualification. You may not be matched with the mortgage lender or broker making a specific offer. You are responsible to speak with one or more mortgage professionals who contact you or who you contact to explain programs, payments, and other mortgage information to you. You also permit our company or a related company to contact or send you periodic updates of mortgage or other information. By using this site and submitting your request, you have read, understood and agreed to the terms set forth in our Privacy Policy and User Agreement that can be read by clicking on the underlined links.

2: All loans offered by participating lenders and mortgage brokers are subject to credit and other approval and qualification. Rates and terms are subject to change at any time without notice. Potential loan applicants inquiring through this website are not guaranteed to be matched with any specific lender, broker, or related service provider. Potential applicants may, at the discretion of website operator, and based on information provided, be preliminarily matched with more than one lender, broker, or other related service provider. Potential applicant hereby agrees to be contacted by such service providers in response to consumer’s inquiry, where said service providers may offer varying products and services not offered by others. There are many products, rates, and terms available and they may or may not be offered depending upon many factors, including but not limited to: 1) Credit History, 2) Type of collateral offered, 3) Documentation of income and other items related to creditworthiness of applicants and, 4) Eligibility and availability for certain programs offered based on State or local laws, investor and lender product availability, and other factors. Rate above is for a loan providing the option to select the start payment rate fixed for 12 months or the fully index interest rate consisting of a margin and an index adjusting monthly or annually. For example, the start payment rate is 2.75% while the interest rate will be based on a monthly adjusting index such as the Monthly Treasury Average, or “MTA” index, which is currently at 4.522% (12-MTA as of 1/18/2008), plus a margin of 1.75% to 5.05%. The margin is based on the selected prepayment penalty from zero to three years, selected points, and adjustments for FICO, documentation (stated or full); loan to value, cash out, and other criteria. Typically FICO scores range above 600 with higher FICO scores having smaller pricing adjustments then lower FICO scores. In this example, if the loan funded had a margin of 2.45%, the start rate for the first month would be 2.75%, but the fully indexed interest rate would be 6.972% (and an APR of 7.33%) based on the total of the index (4.522%) plus the margin (2.45%). Since the payment is still based on 2.45%, it is likely that the accruing interest will exceed the minimum payment amount, resulting in negative amortization. At the end of each 12-month period, for the first five years, the start payment rate can be adjusted up 7.5% of the payment amount subject to potential changes and limits contained in your loan contract, mortgage, or other agreement. The lender will cap the negative amortization at 115% of the original loan amount although the cap can fluctuate based on state laws, lender programs/guidelines, and other reasons.

3: 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. Please contact the participating mortgage lender or broker directly to opt into their do not call list.

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

5: 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.