Affiliated Business Disclosure

Affiliated Business Arrangement Disclosure Statement

This is to give you notice that GetSmart, a service of LendingTree, has a business relationship with Home Loan Center, Inc., sometimes does business as LendingTree Loans or LT Loans, in all states except for the following states in which it has a business relationship with the named entity: Home Loan Center, Inc. dba LT Loans (CT, NV), Home Loan Center USA, Inc. (AL, FL, ID, MI, MN, OH, OK, VT, WY) and Loan Center, Inc. (WA) (collectively, "HLC"). HLC is a wholly-owned subsidiary of LendingTree and is licensed as a mortgage lender and broker authorized to do business in all 50 states. Because of this relationship, this referral may provide GetSmart a financial or other benefit.

Set forth below is the estimated range of charges for the loan origination services provided by HLC. You are NOT required to use HLC as a condition for the purchase of your home or obtaining any other settlement services from GetSmart. THERE ARE OTHER LENDERS AND MORTGAGE BROKERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

HLC typically charges some or all of the fees listed below depending upon the type of financing and other factors relating to the loan. As required by law, if you apply for a loan, HLC will provide you with more specific information regarding its fees on the Good Faith Estimate disclosure.^[1]

First Lien Mortgage (Purchase or Refinance) – True Cost Fee and an included HLC Processing Fee (combined these two fees are approximately 0 to 3% of loan amount), Discount Fee^[2] (approximately 0 to 3% of loan amount), and Origination Fee (approximately 0 to 3% of loan amount) to arrange and/or provide your financing.
Second Lien Financing (Home Equity Loans or Lines of Credit) – Origination or Closing Fee (approximately 0 to 3% of loan amount), Processing Fee (approximately $400), Underwriting Fee (approximately $300) and Funding Fee (approximately $250).

[1] There are other charges imposed in connection with mortgage loans. In addition, a lender may require the use of other service providers, including but not limited to an attorney, credit reporting agency or real estate appraiser chosen to represent the lender’s interest. You will receive additional information regarding anticipated charges if you apply for a loan.

[2] The True Cost fee, the HLC Processing Fee and Discount fee are affected by the note rate. Depending upon market conditions, the interest rate selected, underwriting and other factors, these fees may be higher or lower.