Licenses & Disclosures

Updated January 1, 2020

Plateau Data Services, Inc, Nationwide Mortgage Licensing System No. 1184196
and Plateau Data Services, LLC, Nationwide Mortgage Licensing System No.
1137890 dba RateMarketplace (hereinafter, “RateMarketplace”)

RateMarketplace is not a lender or a broker. The information provided by you
to RateMarketplace is not an application for a mortgage loan, nor is it used
to pre-qualify you with any lender or broker. If you are contacted by a lender
or broker that advertises with RateMarketplace and you submit a loan
application to such lender or broker, your information remains between you and
that lender or broker.

RateMarketplace does not endorse, warrant or guarantee service or products of
any lender or broker and does not guarantee and makes no representations of
any rates, points and loan programs posted by advertising lenders and brokers.
All mortgage information is subject to change without notice. This is not an
advertisement for credit as defined by paragraph 226.24 of Regulation Z.

RateMarketplace shall not be responsible or liable for any products, services,
information or other materials displayed, purchased, or obtained as a result
of any information or offer in or results of any kind obtained in connection
with this website, including, without limitation, any agent referrals, loan
recommendations, application, approval, prequalification, loan or interest
rate analysis. Nothing on this web site contains an offer, promise or
otherwise, either to make a specific loan or that any participating lender or
broker will make any loan for any purpose or on any specific terms.

In no event will RateMarketplace be liable to anyone for any delays,
inaccuracies, errors or omissions with respect to the information or the
transmission or delivery of all or any part thereof, for any damage arising
there from or occasioned thereby, or for the results obtained from the use of
the information. The entire risk as to the accuracy, adequacy, completeness,
validity and quality of any information is with the user.

ALABAMA

Alabama Mortgage Broker License 21881

ALASKA

Alaska Mortgage Broker/Lender License – Other Trade Name #1 License
AK1137890-1

DBA RateMarketplace
6424 E. Greenway Parkway, Suite #118, Scottsdale, AZ 85254

ARIZONA

Arizona Mortgage Broker, License MB-0927987, 6424 E. Greenway
Parkway, Suite #118, Scottsdale, AZ 85254

ARKANSAS

Arkansas Mortgage Broker License 106067

CALIFORNIA

RateMarketplace is a Licensed Real Estate Broker, Real Estate Corporation
License No. 01950130 California Bureau of Real Estate, 1651 Exposition
Boulevard, Sacramento, CA 95815, 877-373-4542

RateMarketplace does not make mortgage loans or commitments.

The Housing Financial Discrimination Act of 1977 Fair Lending Notice. It is
illegal to discriminate in the provisions of or in the availability of
financial assistance because of the consideration of:

  1. Trends, characteristics or conditions in the neighborhood or geographic area
    surrounding a housing accommodation, unless the financial institution can
    demonstrate in the particular case that such consideration is required to
    avoid an unsafe and unsound business practice; or
  2. Race, color, religion, sex, marital status, national origin or ancestry. It
    is illegal to consider the racial, ethnic, religious or national origin
    composition of a neighborhood or geographic area surrounding a housing
    accommodation or whether or not such composition is undergoing change, or is
    expected to undergo change, in appraising a housing accommodation or in
    determining whether or not, or under what terms and conditions, to provide
    financial assistance. These provisions govern financial assistance for the
    purpose of the purchase, construction, rehabilitation or refinancing of
    one-to-four unit family residence occupied by the owner and for the purpose
    of the home improvement of any one-to-four unit family residence.

If you have any questions about your rights, or if you wish to file a
complaint, contact the management of this institution or the agency noted
below.

Bureau of Real Estate
1651 Exposition Boulevard
Sacramento, CA 95815

If your inquiry is forwarded to a lender that makes you an offer, within three
business days from the date you submit an application to the lender you should
receive from the lender a good faith estimate required under RESPA and an
initial disclosure statement required under the Truth in Lending Act.

If the lender denies your request for credit and that action is based, in
whole or in part, on any information contained in a consumer credit report,
you have the right to obtain, within sixty days, a free copy of your consumer
credit report from the credit reporting agency which compiles and maintains
files on consumers on a nationwide basis.

You also have the right to dispute the accuracy or completeness of any
information in a consumer credit report furnished by the consumer credit
reporting agency by contacting that agency directly. An applicant, if married,
may apply for a separate account.

Mortgage Loan Disclosure Statement

RateMarketplace will receive a fee from a lender upon passing along your
inquiry as compensation for its services as a mortgage broker. RateMarketplace
receives this fee whether or not you close your loan. This is the total
compensation RateMarketplace receives from the lender for its services and the
lender pays this fee. You acknowledge that this mortgage broker fee will be
paid to RateMarketplace

COLORADO

Colorado Mortgage Company Registration

DELAWARE

Delaware Broker License 018192

If you transact with one of our participating lenders, the lender shall issue
a written agreement, in accordance with §2113, 5 Del.C., Chapter 21, prior to
receiving a fee and prior to the time the lender undertakes to perform
mortgage loan brokerage services. The agreement: (1) Must describe the
services to be provided by the mortgage loan broker and the time period within
which such services are to be provided; (2) Must specify the amount and terms
of the fees that the mortgage loan broker is to receive; and (3) Shall
otherwise contain such information and disclosures, in such format, as the
Commissioner by regulation may provide.

DISTRICT OF COLUMBIA

District of Columbia Mortgage Broker License
MLB1137890 Financing Agreement:

If you transact with one of our participating lenders, the lender shall issue
a Financing Agreement in accordance with D.C. Code Ann. § 26-1113. This
agreement shall include: 1) the terms and principal amount of the loan, 2)
explanation of the type of mortgage loan being offered, 3) the rate of
interest that will apply to the loan and, if the rate is subject to change, or
is a variable rate, or is subject to final determination at a future date
based on some objective standard, a specific statement of those facts, 4) the
points and all fees, if any, to be paid by the borrower or the seller, or
both; and 5) the term during which the financing agreement remains in effect.
The financing agreement executed by the lender shall be delivered to the
borrower at least 72 hours before the time of settlement agreed to by the
parties.

FLORIDA

Mortgage Broker License MBR1593

This disclosure is written to give you notice that RateMarketplace does not
originate mortgage loans or commitments. Although RateMarketplace will forward
your loan request to its participating lenders, RateMarketplace does not
guarantee acceptance into any particular loan program.

Should you choose to apply for a mortgage loan with a participating lender,
that lender will provide you with a Loan Estimate itemizing fees, including
loan origination and/or other settlement service fees. The documentation you
receive will also include information on whether any fees paid are refundable.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM
RATEMARKETPLACE OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY
RATEMARKETPLACE. HOWEVER, RATEMARKETPLACE RESERVES THE RIGHT TO APPROVE THE
ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

A LENDER IS ALLOWED TO REQUIRE THE USE OF AN ATTORNEY, CREDIT REPORTING AGENCY
OR REAL ESTATE APPRAISER CHOSEN TO REPRESENT THE LENDER’S INTEREST.

IDAHO

Mortgage Broker/Lender License MBL-8630

IOWA

Iowa Mortgage Broker License 2014-0033

KENTUCKY

Kentucky Mortgage Broker License MB102701

RateMarketplace provides a matching service only and does not act as a
representative, agent or correspondent for any lender.

MAINE

Maine Loan Broker License 1137890

Maine law requires that the disclosures below be provided to consumers before
any contract is signed with, and before any money is paid to, a credit
services organization or third parties.

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are
entitled to a copy of this agreement.

PLEASE PRINT THIS INFORMATION AND SAVE IT FOR YOUR RECORDS. YOU ACKNOWLEDGE
READING AND RECEIVING A COPY OF THIS DISCLOSURE TO CONSUMER.

RateMarketplace is not a lender and does not make loans or credit decisions in
connection with loans. RateMarketplace is only an online lead generator. We
only provide matching services. We provide your request to participating
lenders who may contact you with their conditional loan offers. You must rely
on your own judgment in deciding which available loan product best suits your
needs.

RateMarketplace does not endorse, recommend or favor the products of any
participating lender. RateMarketplace is not an agent of either you, the
consumer, or any participating lender. Additionally, we cannot guarantee you
will be offered the lowest price or best terms available in the market.

RateMarketplace does not charge you a fee to use its services. RateMarketplace
provides mortgage information at no cost to you.

RateMarketplace receives a modest fee from the participating lenders for
matching your loan request.

Escrowing of Consumer Funds: RateMarketplace does not accept any fees from the
consumer, including third party fees.

Consumer Protection Bond: A consumer protection bond is on file with the State
of Maine. If you have a claim against our company which cannot be resolved
through informal means, you may institute an action to recover your loss from
that bond by filing a written complaint with the Director, Office of Consumer
Credit Regulation, 35 State House Station, Augusta, Maine, 04333- 0035

If you would like a counter-signed acknowledgement of this disclosure
statement please print and mail, along with a return address to:

RateMarketplace
Attn: Legal Department
6424 E. Greenway Parkway, Suite #118,
Scottsdale, AZ 85254

MICHIGAN

Michigan 1st Mortgage Broker License FL0019318.

Michigan 2nd Mortgage Broker Registrant SR0019319.

MINNESOTA

Minnesota Residential Mortgage Originator License
MN-MO-1137890

RATEMARKETPLACE IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A
RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR
FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE
MARKET.

This is not an offer to enter an interest rate lock-in agreement under
Minnesota law.

MISSISSIPPI

Licensed by the Mississippi Department of Banking and Consumer Finance
78672

NEBRASKA

Mortgage Banker under the Mortgage Bankers Registration and Licensing Act.

NEW HAMPSHIRE

Licensed by the New Hampshire Banking Department. New Hampshire Mortgage
Broker License 19371-MBR

NEW MEXICO

Licensed by the New Mexico Financial Institutions Division under the New
Mexico Mortgage Loan Company License.

NORTH DAKOTA

North Dakota Money Broker License MB103449
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF
FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA
58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE
MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE
TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE
SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL
INSTITUTIONS.

If your loan request is forwarded to one or more participating lenders, you
will receive from the lenders detailed information about your loan, including
the loan amount, interest rate, points, fees and other terms.

OKLAHOMA

Mortgage Broker License MB010592.

OREGON

Oregon Mortgage Lending License ML-5318

PENNSYLVANIA

Licensed by the Pennsylvania Department of Banking Mortgage Broker License
MB 46415

Office: 6424 E. Greenway Parkway, Suite #118, Scottsdale, AZ 85254

If you choose to transact with a lender, you may be required by the lender to
pay an application fee to cover the costs of an appraisal, credit report or
other items. The lender determines the fee amount. Your loan documents will
disclose whether these fees are refundable or nonrefundable.

Variable Interest Rate Disclosure

Pennsylvania’s Loan Interest and Protection Law applies to loans of $50,000 or
less. This law requires a lender offering a mortgage with a variable interest
rate to also offer a mortgage with an interest rate that will not change. This
fixed interest rate mortgage must be offered to you at reasonably competitive
terms and rate. On variable interest loans, the lender will explain to you how
the interest rate can change in the future, the effect of changes in the index
on the rate and term, and an explanation of the index.

SOUTH CAROLINA

RateMarketplace is licensed as a Mortgage Broker by the South Carolina
Department of Consumer Affairs.

TEXAS

RateMarketplace holds a Mortgage Company License under the Mortgage Broker
License Act from the Department of Savings & Mortgage Lending.

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL
MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE
TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201,
AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE
DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS
AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL
OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED
RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT
FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT
PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND,
PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

UTAH

IF YOUR LOAN REQUEST IS FORWARDED TO OUR PARTICIPATING LENDERS, UTAH LAW
REQUIRES THAT WE ADVISE YOU THAT THE LENDER YOU SELECT MAY TRANSFER SERVICING
RIGHTS TO YOUR LOAN TO ANOTHER LENDER. THE LENDER THAT MAKES YOUR LOAN WILL
PROVIDE YOU A SEPARATE WRITTEN DISCLOSURE STATEMENT REGARDING THE SERVICING OF
YOUR LOAN AND THE LIKELIHOOD THAT THE SERVICING WILL BE TRANSFERRED TO ANOTHER
LENDER.

Utah DRE Mortgage Entity License 9139128 – Other Trade Name
#1, License 9139133.

VERMONT

Vermont Mortgage Broker License 1207 MB
Vermont Mortgage Broker License – Other Trade Name #1- License
1208 MB

Pursuant to Vermont Regulation B-96-1, you are hereby advised that:

  1. RateMarketplace is acting in a brokerage capacity only. RateMarketplace will
    not be making the loan to you. In Vermont we are licensed as
    RateMarketplace.
  2. RateMarketplace represents the interests of Prospective Borrower(s) while
    performing the above services. RateMarketplace services are consultative
    only. We transmit your request to participating lenders. You may then be
    contacted directly by the participating lenders with their loan product
    offers. You must rely on your own judgment in deciding which available loan
    product best suits your needs and financial means. You are not relying on
    RateMarketplace to select a product for you.
  3. RateMarketplace does not charge you a fee to use our services. If you decide
    to work with participating lenders, lenders may charge you an application
    fee and fees for other services, which may or may not be refunded.
  4. RateMarketplace receives fees from the participating lenders for matching
    your loan request with prospective lenders. RateMarketplace is paid a modest
    fee, which will not exceed $60.00, by participating lenders for each
    consumer profile transmitted. We do not receive any additional fee or other
    compensation from the lender if an application is taken or a loan closes.
  5. By using our matching service, you agree to the above terms and conditions,
    our terms of service and you authorize the release of all information by the
    lender relating to the disposition and status of the mortgage service
    inquiry form.

WASHINGTON

Washington Mortgage Broker License MB-1137890

If your loan request is forwarded to one or more participating lenders you may
receive a good faith estimate of settlement costs under RESPA and an initial
disclosure statement required under the TILA.

Any interest rate quoted in connection with the loan you select is subject to
change without notice unless and until an interest rate lock-in agreement has
been made between you and the lender.

RateMarketplace does not offer lock-in agreements and does not guarantee any
rate of interest quoted by any participating lender. If you enter a lock in
agreement with any participating lender and are required to pay a lock-in fee,
the terms and conditions under which the lock-in fee may be refunded, if any,
will be set by the lender. The lender is obligated to send you written
confirmation of the terms of any lock-in agreement within three (3) business
days (including Saturdays) via first class mail.

RateMarketplace will not collect any fees from you in connection with your
completion of a loan request. All fees will be collected from and payable to
the lender. If the lender is licensed under the Mortgage Broker Practices Act,
the fees paid by you for your third-party provider services (such as an
appraisal or credit report), may be held in a trust account and any moneys
remaining after the payment to third-party providers will be refunded to you.

If you are unable to obtain a loan for any reason, the lender, if licensed
under the Mortgage Broker Practices Act, will, within five (5) days of a
written request by you, give copies to you of any appraisal, title report, or
credit report paid for by you, and transmit the original appraisal, title
report, or credit report to any other mortgage broker or lender to whom you
direct. Transmission of these reports includes the right to use these reports.
You are also entitled to receive a copy of any appraisal paid for by you,
pursuant to the federal Equal Credit Opportunity Act. Washington state law is
against discrimination and prohibits discrimination in credit transactions
because of race, creed, color, national origin, sex or marital status. The
Washington State Human Rights Commission administers compliance with this law.

WEST VIRGINIA

West Virginia Mortgage Brokers License MB-33655

WYOMING

Mortgage Broker License 2668