Disclosure and Licensing


Disclosures:

In accordance with the Equal Credit Opportunity Act, EquiFund Mortgage, a division of Consumer Credit Services, LLC 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.

Notice: This is not an offer to enter into an agreement or a commitment to lend. Not all customers will qualify. Information, programs, rates, terms, and conditions subject to change without notice. All financing subject to credit, property and income approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply.

EquiFund Mortgage, a division of Consumer Credit Services, LLC, is a licensed Mortgage Broker in the State of Florida. License Number MBR 1434. State of Florida Office of Financial Regulations. 

Disclosures on use of all or any part thereof of web based online mortgage loan orgination services from equifundmortgage.com, listed but not limited to interest rate quotes, any or all loan calculations and savings summaries reports, closing cost estimates, approval or pre approval status and are to be used as a general estimate, probability of approval and are not intended to serve as an absolute commitment in any such manner. 

Moreover, as we continue to strive to perfect the tuning of our engine, calculations, estimates, and approximations of any and all services and information provided, you, the user of our service hereby agree to hold harmless our company, companies, from any claim of loss or claim of liability as we do not warant the information provided within this site, other than it is to be used as a general probability of approval and all calculations are general calculations. 

Most Important, all consumers are advised that at the time of receipt of applicants credit report, income documentations, we will prvide 100% accurate calculations and interest rate quotes. 

Under no circumstances, are interest rate locked until, we advise that your interest rate is locked in person or over the phone. 

  Lowest Interest Rate No Closing Cost Guarantee Legal Terms and Conditions

EquiFund Mortgage, a division of Consumer Credit Services, LLC hereby warrants to its present and future clients that we will acquire the lowest interest rate no closing cost loan from our current (at time of client’s credit verified loan application submission to our company) and active contractually established Mortgage Lender relationship rooster which EquiFund Mortgage has carefully selected based upon its’ internal decision in evaluating the lenders interest rates, closing costs, timely and efficient underwriting, customer service, and overall client satisfaction experience.

If any engaged pending client in consideration of doing business with EquiFund Mortgage or active client, meaning client has made a credit verified full application and has received and signed initial pre-loan disclosures with an active interest rate lock from EquiFund Mortgage shall be entitled to execute the following Guarantee Clause as provided herein.

EquiFund Mortgage, a division of Consumer Credit Services, LLC hereby guarantees to its potential and thereafter active clients that we guarantee that we will meet or beat any other mortgage lenders offer to provide mortgage financing closing cost and interest rate for the following mortgage loan products: FHA, VA, Conventional and Jumbo loan programs or our company will pay the customer $ 1,000.00

It is hereby agreed, in order to execute this agreement, the customer must provide a complete fully lender signed set of initial loan disclosures provided by the counter offering Mortgage Lender dated on or after the date of full initial loan application with EquiFund Mortgage but no later than 10 days after inital full application with EquiFund Mortgage, that include but not limited to initial signed loan application and loan estimate, current estimated home value as identified on loan application or appraisal report if completed and is used to determine value and/or rate lock from EquiFund Mortgage or its partner lenders. Furthermore, it is required that the initial signed loan estimate clearly identifies the interest rate is locked, the lock date and duration of lock. Moreover, it is agreed that the counter offering mortgage lender provide in same a no closing cost interest rate loan. In the event the interest rate is not locked, it will be required to lock the interest rate with the counter offering lender and this document must be provided back to EquiFund Mortgage, LLC such that EquiFund Mortgage can provide an updated pricing to beat the competitor mortgage lenders counter offer.

It is mutually agreed by client, pending client, client in consideration of doing business with EquiFund, that if EquiFund delivers an updated offer that beats the competitors initial offer as provided in the initial signed loan disclosures, client agrees to proceed with financing under new terms as provided by EquiFund Mortgage. In the event the client does not agree to proceed with the EquiFund’s updated loan offer that beats the competitors provided offer. EquiFund reserves the right to revoke this guarantee.

In the event the client receives a subsequent counter offer from another competitor lender and was not previously provided Equifund Mortgage at the time of clients 1st execution of redemption of this guarantee, whereas client has accepted EquiFund Mortgage updated offer, it is mutually agreed that EquiFund reserves the right to withdraw its obligations under this guarantee.

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