What is GetSmart?
GetSmart is a Web site owned and operated by LendingTree, LLC, a Delaware limited liability company (formerly known as LendingTree, Inc.) with its corporate headquarters in Charlotte, North Carolina, and all references herein to LendingTree shall mean LendingTree, LLC, as operator of the GetSmart site. LendingTree is a computerized loan originator. LendingTree is not a lender, auto lessor or credit card issuer. LendingTree does not make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree is not an agent of either you, the consumer, or any participating bank, lender or loan broker (we refer to all of these as "Lenders"). LendingTree’s services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process and LendingTree does not guarantee that completing a loan request will result in your receiving a loan from a Lender. You are under no obligation to use LendingTree to commence the financing process, and LendingTree does not guarantee that completing a loan request will result in your receiving a loan from a Lender. In Rhode Island, the loan services made available on this site are provided by Home Loan Center, Inc., and all references on this site to LendingTree shall include Home Loan Center, Inc. for Rhode Island customers. However, LendingTree, LLC will still collect your loan request and provide technical services for Home Loan Center, Inc.

The loan request you submit is NOT an application for credit. Rather, it is a request for a loan pre-qualification. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fees, and should provide information to you regarding the refund ability of any such fees. LendingTree does not charge you, the consumer, any fees for its services. LendingTree receives its compensation from the Lenders for the goods, facilities and services actually provided by LendingTree. LendingTree’s compensation for GetSmart’s services varies by product, but will never exceed $400 per loan request.

Federal Disclosures
Your loan request will be forwarded to up to four Lenders , who may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs; HUD mandated booklets "Guide to Settlement Costs" and/or "When your Home is on the Line"; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Additional State Disclosures

Arizona
Arizona Mortgage Broker, License No. MB-0902469

California

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit an application with the Lender.

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.

LendingTree Loans will perform the following services in connection with your loan request: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; and (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators.

An applicant, if married, may apply for a separate account.

I/we understand that as compensation for its services as a mortgage broker, LendingTree will receive a fee of up to $400 from the Lender upon the closing of my loan. The actual amount of LendingTree’s fee is disclosed on the Good Faith Estimate you will receive from the Lender after your loan application is submitted. This is the total compensation LendingTree will receive from the Lender for its services and is paid by the lender. The Lender includes the fee that the Lender pays to LendingTree in your interest rate, points, fees and terms of the loan. I/we acknowledge that this mortgage broker fee will be paid to LendingTree outside of closing and that there is no other mortgage broker fee agreement between us.

LendingTree does not make mortgage loans or commitments.

LendingTree is a Licensed Real Estate Broker, CA Dept. of Real Estate, (916) 227-0931, License No. 01478246*

Department of Real Estate
2201 Broadway
P.O.Box 187000
Sacramento, CA 95808-7000

Connecticut
The Connecticut Home Mortgage Disclosure Act prohibits discrimination against home purchase loan, home improvement loan or other mortgage loan applicants solely on the basis of the location of the property to be used as security. The agency which enforces compliance with this law is the:

If you believe you have been unfairly discriminated against, you may file a written complaint with the Commissioner of Banking at the above address. (Conn. Gen. Statutes, Chapter 669, Part IX).

LendingTree is a BROKER ONLY, NOT A LENDER.

Connecticut First Mortgage Broker, License No. 4164

Connecticut Second Mortgage Broker, License No. 4162

District of Columbia
If your loan request is forwarded to our participating Lenders, you may be issued a Financing Agreement by the lenders in accordance with D.C. Code Ann. § 26-1013. If presented, this agreement will highlight (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate 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 fees, if any, to be paid by you; and (5) the financing agreement term.

DISCLOSURE OF DUAL CAPACITY: WE HAVE OFFERED TO ASSIST YOU IN OBTAINING A MORTGAGE LOAN. UPON TRANSMISSION OF YOUR LOAN REQUEST TO A LENDER, WE WILL RECEIVE A FEE FROM THE LENDER NOT TO EXCEED $400. IF YOU ALSO USE OUR REAL ESTATE NETWORK, WE MAY RECEIVE AN ADDITIONAL FEE IN CONNECTION WITH THE SALE OR PURCHASE OF THE REAL ESTATE THAT WILL SECURE THE LOAN. WE DO NOT REPRESENT ALL OF THE LENDERS IN THE MARKET, AND THE LENDERS WE DO REPRESENT MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU.YOU ARE FREE TO SEEK A LOAN WITHOUT OUR ASSISTANCE. YOU ACKNOWLEDGE HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED A COPY HEREOF.

DC Mortgage Broker, License No. 2039

Florida
LendingTree does not make mortgage loans or commitments. Nor can we guarantee acceptance into any particular loan program by any participating lender, or specific loan terms or conditions. If your loan request is forwarded to our participating Lenders, you may receive from such Lenders, a good faith estimate of various third party fees required in connection with your loan. The documentation you receive will include information on the refund ability of any fees paid.

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

Florida Mortgage Broker, License No. 161496, 75193(DL)

Florida Correspondent Mortgage Lender, License No. CL 0302035

Georgia
If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with Georgia and federal law. The amount of the fees will be determined by the Lender. This documentation will include information on the refund ability of any fees paid.

Georgia Mortgage Broker, License No. 12989

Iowa
Iowa Mortgage Broker, License No. 741

Idaho
Idaho Mortgage Broker, License No. 893

Illinois
If your loan request is forwarded to our participating Lenders, a Borrower Information Document may be provided to you by the Lender you select pursuant to the Residential Mortgage License Act of 1987 and Rules promulgated hereunder (38 Ill. Adm. Code 1050). The purpose of this document is to set forth those exhibits and materials you should receive or be receiving in connection with your residential mortgage loan application with the Lender based on your request to LendingTree. You may also receive from the Lender you select a list of documents and materials required to complete your loan application with the Lender.

LendingTree, LLC, a Delaware limited liability company, is a mortgage broker, not a lender. We cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. The Lender you select will provide the funds for your loan, and is responsible for the availability of those funds.

We are not charging you a fee to arrange a mortgage loan from the mortgage Lender. Upon transmission of your loan request to a Lender, we will receive a fee of up to $400 from the Lender for our services. We will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; and (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators.

If LendingTree makes false or misleading statements, you may, upon written notice, void this agreement, recover any monies paid to LendingTree for which no services have been performed, and recover actual costs, including attorney’s fees, for enforcing your rights under this agreement.

Illinois Residential Mortgage Licensee, License No. 5433

Commissioner of Banks and Real Estate
310 So. Michigan Ave
Ste. 2130
Chicago, IL 60609
(312) 793-0291

Illinois Loan Broker, License No. LB 21

Indiana
Indiana Loan Broker Registration No. 97-0198LB

Kansas
LendingTree is a mortgage business registered with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This registration does not represent an endorsement or recommendation of the registrant’s products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603. Kansas Mortgage Business Registration No. 99-827

Louisiana
The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, see an attorney before you sign a loan contract.

Louisiana Residential Mortgage Lender, License No. RML 189-0, RML 189-4784 (EP)

Massachusetts
If your loan request is forwarded to our participating Lenders, be advised that under Massachusetts General Law ch. 184, § 17B: (1) the responsibility of the attorney for a Lender is to protect the Lender’s interests, (2) you have the right to engage your own attorney to represent your interest in the transaction, at your expense (3) the approximate expiration date of the Note (see your Loan Information Page for the term of your loan), and (4) please be aware that as of the expiration date of the Note, the Lender may demand payment of the Note, may rewrite the Note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the Note at the same, or a lesser or greater rate of interest.

The federal Equal Opportunity Act and comparable provisions of Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant’s income derives from any public assistance program. The federal Equal Credit Opportunity Act also prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The state agency that administers compliance with the state law is the:

We are a mortgage broker. We do not make mortgage loans. We cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions.

We are not charging you a fee to arrange a mortgage loan from the mortgage Lender. We will be receiving a fee of up to $400 from the Lender upon the transmission of your loan request to a Lender. The amount of this fee will be disclosed to you on the Good Faith Estimate you receive from the Lender(s) you select.

Based on the information you have given us, we may be able to obtain a mortgage loan for you in the amount, with an interest rate, at an Annual Percentage Rate, with a monthly payment and number of payments as you requested (please see your Loan Information Page for the details of your loan request).

We will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; and (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators.

Massachusetts Mortgage Broker, License No. MB 1942

Maryland
If your loan request is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§ 12-125, 1013 which will include: (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate 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 fees, if any, to be paid by you; and (5) the term in which the Financing Agreement remains in effect.

Maryland Mortgage Lender, License No. 4737

Maine

Written Agreement
Services performed by LendingTree, LLC on the GetSmart site are outlined above in "What is GetSmart?" You are advised to print out a copy of this document and retain it for your records. You should print, complete and return the following agreement and return it to LendingTree as indicated.

Corporate Headquarters
LendingTree, LLC
11115 Rushmore Drive
Charlotte, NC 28277
(704) 541-5351

Loan Request Information:

Amount__________
1st or 2nd Mortgage__________

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are entitled to a copy of this agreement. Each credit services organization shall maintain in its files in this State, for two (2) years after completion of the services offered, a true and complete signed copy of the written agreement. The copy shall be made available to the Maine Bureau of Consumer Credit Protection upon request as part of any examination or investigation.

LendingTree, LLC is a computerized loan originator. It is not a lender and does not make loans or credit decisions in connection with loans. Services performed by LendingTree on the GetSmart site are outlined above in "What is LendingTree." You are advised to print out a copy of this document and retain it for your records.

LendingTree does not endorse, recommend or favor the products of any participating lender. LendingTree is not an agent of either you, the consumer, or any participating lender. LendingTree's services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process and LendingTree does not guarantee that completing a loan request will result in your receiving a loan from one of our participating lenders.

LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. LendingTree receives fees from our participating lenders for closed loans that were originated through the LendingTree service. The fee we receive from the lender who closes your loan will not exceed $400.

If your loan request is forwarded to our participating lenders, you may be required by the lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the lender. The documentation you receive will include information on the refundability of any fees paid.

LendingTree may act as a co-broker on your loan request; that is, LendingTree may share broker services with another loan broker on your behalf. However, you and/or your selected lender, not LendingTree, will determine whether your loan will be co-brokered.

This agreement dated as of the date you submit your loan request and is valid for ninety (90) days. For loan request information, including you name, the requested loan amount, lien priority, and the date of your request, please see your Loan Information Page displayed prior to the submission of your loan request, which is incorporated herein by reference. For interest rates and fees applicable to your loan request, see the lender responses to your request. LendingTree does not have any involvement in the setting of interest rates and fees on your request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

LENDINGTREE, LLC,
a Maine Credit Services Organization, Registration No. CSO6321

Sign: ______________________
Print: ______________________
Date: ______________________

CONSUMER

Sign: ______________________
Print: ______________________
Date: ______________________

Escrowing of Consumer Funds
LendingTree, LLC 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

I acknowledge reading and receiving a copy of this "Disclosure to Consumer."

Maine Credit Services Organization, Registration No. CSO6321

Michigan
Michigan First Mortgage Broker, License No. 1407

Michigan Second Mortgage Broker, License No. SR 0427

Minnesota
LENDINGTREE 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.

The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under MN law.

Minnesota Residential Mortgage Originator, License No. 20199511

Mississippi
Mississippi Licensed Mortgage Co. License No. 392/2003

MISSOURI

Loan Brokerage Agreement and Broker Disclosure Statement

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

This document is provided pursuant to the Residential Mortgage Brokers License Act and related rules. LendingTree, LLC (formerly known as LendingTree, Inc.) is regulated by the Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your lender will provide you with any additional required documentation.

LendingTree is a computerized loan originator. It is not a lender and does not make loans or credit decisions in connection with loans. LendingTree does not endorse, recommend or favor the products of any participating lender. LendingTree is not an agent of either you, the consumer, or any participating lender. LendingTree's services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process, and LendingTree does not guarantee that completing a loan request will result in your receiving a loan from one of our participating lenders.

LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. LendingTree receives fees from our participating lenders for closed loans that were originated through the LendingTree service. The fee we receive from the lender who closes your loan will not exceed $1,300.

If your loan request is forwarded to our participating lenders, you may be required by the lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the lender. The documentation you receive will include information on the refundability of any fees paid.

LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) provide a dedicated website and password protected user id # so you can review your various offers from Lenders. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

This agreement dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

LENDINGTREE, LLC

Name: ___________________

Print: ___________________

BORROWER:

Sign: ___________________

Print: ___________________

Date: ___________________

CO –BORROWER (if any):

Sign: ___________________

Print: ___________________

Date: ___________________

Missouri Mortgage Broker License #05-1261

North Carolina
LendingTree does not make mortgage loans or commitments. Nor can we guarantee acceptance into any particular loan program by any Lender, or specific loan terms or conditions. 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 amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

North Carolina Mortgage Broker, License No. B 113491

North Dakota
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARK, NORTH DAKOTA 58501-1204.THE DEPARTMENT OF BANKING AND 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 BANKING AND 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.

North Dakota Money Broker, License No. MB 100817

Nebraska
Nebraska Licensed Mortgage Banker

New Hampshire
New Hampshire First Mortgage Broker, License No. 5273 MB

New Hampshire Secondary Mortgage Home Loan Lender, License No. 5453 MHL

New Jersey
New Jersey Mortgage Broker, License No. L024590(NC)

New Jersey Secondary Lender, License No. L024603(NJ)

New Mexico
New Mexico Loan Broker, License No. 395

New York
The state agency that administers compliance with Section 296-a of the Executive Law (which is similar to the federal Equal Credit Opportunity Act) is the:

In the following disclosure, I = applicant; you = LT Technologies, in lieu of true name LendingTree, LLC

You have advised me that you are authorized and prepared to assist me in securing financing. I understand that your services may include, but are not limited to, the following: (1) counseling on available mortgage products; (2) counseling on general mortgage qualification procedures and requirements; (3) counseling on my financial capabilities; (4) assistance in obtaining information required to complete the mortgage application; and (5) assistance in processing the loan application, and in meeting conditions of the loan commitment.

I hereby agree to engage you for the purpose of advising me about financing and to provide the services described above. This agreement will continue until the earlier of the declination of my loan request, the closing of my loan or my termination of your services.

I acknowledge that prior to paying any fees or completing any application, I was advised of the following: (1) your services are advisory and administrative in nature and you are not acting as my agent in performing these services; (2) you are not authorized to make mortgage loans or commitments; and (3) you cannot guarantee acceptance into any particular loan program or specific loan terms or conditions.

CLO Fee: I understand that, as compensation for your services, you will receive a computerized loan origination fee (CLO Fee) of up to $400 upon the transmission of your loan request to a Lender. I acknowledge that this fee will be paid to you by the Lender outside of closing. The compensation you will receive from the Lender for your services is included in the rate, points, fees and terms of the loan as quoted by the Lender in its commitment.

CLO Fee Acknowledgment: I acknowledge that this CLO Fee will be paid to you. I further acknowledge that there is no other fee agreement between us with respect to your transaction. If required by the Lender, I may have to pay a loan application fee and credit report fee. The Lender will determine the amount of this fee. The Lender’s policy, not yours, determines if the fee is refundable. If the fee is refundable, the Lender will tell me the conditions for obtaining a refund.

Prepayment Penalties: I understand that certain mortgage products impose a prepayment penalty on the borrower. The Lender will tell me the amount of or formula for calculating the prepayment penalty, if any, and the terms of the prepayment penalty, if any. This information will be provided to me as soon as it is known, but no later than the issuance of a commitment by the Lender.

I understand that I may address questions or comments about my application to Diane Rigot at 877-466-0544, or by electronic mail to gscontact@lendingtree.com.

LT Technologies, in lieu of true name LendingTree, LLC, is a Registered Mortgage Broker with the State of New York Banking Department with offices at 11115 Rushmore Dr., Charlotte, NC 28277, Registration No. A004890.

Ohio
The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Ohio Mortgage Broker, License Nos. MB-3006, MB-3007

Oklahmoa

Important Statement

We are required by law to provide this information statement before the execution of a contract or before the receipt of any money or other valuable consideration.

Your submission of a loan request will serve as acknowledgement of your receipt of the above information. You may also print and mail this form to us.

BORROWER:

Sign: ___________________

Print: ___________________

Date: ___________________

CO –BORROWER (if any):

Sign: ___________________

Print: ___________________

Date: ___________________

This agreement is made between the Borrower and/or Co-Borrower listed below and LendingTree, LLC (“LendingTree”). This agreement is dated the date of your loan request to us. By submitting the loan request you agree to the terms of this agreement. You may also print and mail this form to us.

1. LendingTree is a computerized loan originator and licensed in Oklahoma as a Credit Services Organization. It is not a lender and does not make loans or credit decisions in connection with loans. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) provide a dedicated website and password protected user id # so you can review your various offers from Lenders. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.
2. LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. LendingTree receives fees from our participating lenders for closed loans that were originated through the LendingTree service. The fee we receive from the lender who closes your loan will not exceed $400. If your loan request is forwarded to our participating lenders, you may be required by the lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the lender. The documentation you receive will include information on the refundability of any fees paid.
3. LendingTree’s agent in Oklahoma is J.Kent Rountree with an address of P.O. Box 687, Talequah, OK 74465. LendingTree’s agent for service of process is NARI with an address in Oklahoma of 115 Southwest 89th Street, Oklahoma City, OK 73189. All correspondence to LendingTree should be sent to 11115 Rushmore Dr., Charlotte, NC 28277, Attn: Legal Department.

This agreement dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

LENDINGTREE, LLC

Name: ___________________

Print: ___________________

BORROWER:

You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right.

Sign: ___________________

Print: ___________________

Date: ___________________

CO –BORROWER (if any):

Sign: ___________________

Print: ___________________

Date: ___________________

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within five (5) days from the date the contract is signed.

If you cancel any payment made by you under this contract, it will be returned within ten (10) days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to LendingTree, LLC, the operator of this site at 11115 Rushmore Dr., Charlotte, NC 28277 not later than midnight on the day five (5) days after the date you submit the loan request.

I hereby cancel this transaction.

Sign: ___________________

Print: ___________________

Date: ___________________

Oregon
Oregon Mortgage Broker, License No. ML 1862

Pennsylvania
If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

Licensed by the Pennsylvania Department of Banking pursuant to the First Mortgage Bankers and Brokers Act and the Secondary Mortgage Loan Act. License Nos. 3487.001 and 1228.001.

Rhode Island
Rhode Island Loan Broker, License No. 20021376LB (Home Loan Center, Inc.)

South Carolina

Loan Request Information

Amount__________ 1st or 2nd Mortgage__________

LendingTree is a computerized loan originator. It is not a lender and does not make loans or credit decisions in connection with loans. LendingTree does not endorse, recommend or favor the products of any participating lender. LendingTree is not an agent of either you, the consumer, or any participating Lender. LendingTree’s services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process and LendingTree does not guarantee that completing a loan request will result in your receiving a loan from one of our participating Lenders.

LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. LendingTree receives fees from our participating Lenders for the transmission of your loan request that were originated through LendingTree’s GetSmart service. The fee we receive from the lenders who receive your loan request will not exceed $150.

If your loan request is forwarded to our participating lenders, you may be required by the lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the lender. The documentation you receive will include information on the refund ability of any fees paid.

LendingTree may act as a co-broker on your loan request; that is, LendingTree may share broker services with another loan broker on your behalf. However, you and/or your selected lender, not LendingTree, will determine whether your loan will be co-brokered.

This agreement dated as of the date you submit your loan request and is valid for ninety (90) days. For loan request information, including your name, the requested loan amount, lien priority, and the date of your request, please see your Loan Information Page displayed prior to the submission of your loan request, which is incorporated herein by reference. For interest rates and fees applicable to your loan request, see the lender responses to your request. LendingTree does not have any involvement in the setting of interest rates and fees on your request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

By: LendingTree, Inc

South Carolina Mortgage Loan Broker License Nos. 00301-03 B & 00301-03 M.

South Dakota
South Dakota Mortgage Broker/Lender, License No. 4164

Tennessee
At this time, we do not accept loan requests for auto, credit card, or personal loans from Tennessee residents, nor do we accept loan requests for home equity loans secured by Tennessee property. Tennessee Mortgage Broker Registration No. 0000000301

Texas
MORTGAGE BROKER/LOAN OFFICER DISCLOSURE
Mortgage Broker: Eric Cunliffe of LendingTree, LLCLicense Number: 10426
Regulated Loan License No. 100-10443

The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be compensated as a Mortgage Broker. This disclosure is a requirement of the Texas Mortgage Broker License Act. Since I may be working for a company, references to "we" or "us"; refer to me and any company for which I am working.

Duties and Nature of Relationship

You, the applicant(s), have requested assistance in obtaining a residential mortgage loan. We will submit your loan request to participating Lenders which we may from time to time contract upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various Lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market.

How we will be compensated

LendingTree will not charge you, the consumer, a fee to use its service. LendingTree receives its compensation from the Lender for the goods, facilities and services actually provided by LendingTree. Upon transmission of your loan request to a Lender, we may receive up to $400 in fees from the Lenders who receive your loan request. The services for which these fees are being charged include the following:

Transmit fees: up to $400

These fees are not refundable under any conditions.

The estimated fee which we will receive will be as shown on the good faith estimate which the Lender will provide to you within three (3) days of application in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations.

COMPLAINTS REGARDING MORTGAGE BROKERS OR LOAN OFFICERS SHOULD BE SIGNED AND SHOULD BE SENT TO THE TEXAS SAVINGS AND LOAN DEPARTMENT, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

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 Mortgage Lender, License Nos. MR00060761, MI00061030, MI00061173

Virginia

Virginia Mortgage Broker, License No. 1120

Vermont
Pursuant to Vermont Regulation B-96-1, you are hereby advised that:
LendingTree is acting in a brokerage capacity and will provide the following services in connection with your loan: making loan requests available to you; transmitting your completed loan request to participating Lenders in our network; and offering you access to general educational information concerning home financing including glossaries, articles and calculators.
LendingTree represents your interests in the following ways: (1) LendingTree shall accurately transmit the information provided by you in the loan request form to Lenders that are authorized to conduct business in Vermont, (2) LendingTree shall comply with applicable state and federal equal credit opportunity and fair credit reporting acts, and (3) LendingTree shall safeguard the privacy of your personal identifying information by adhering to our privacy policy as published on our web site. LendingTree does not otherwise represent the interests of either you or the participating Lenders. Our service is consultative only and you should rely on your own judgment in deciding which loan product best suits your needs and financial means. You are not relying on LendingTree to select a loan product for you.
LendingTree does not charge you a fee to use the LendingTree service.
LendingTree only receives fees for GetSmart services from our participating Lenders for transmitting your loan request to the Lenders. The fee we receive from the Lenders for transmits will not exceed $400.
By clicking the "submit" button, you agree to the above terms and conditions and you authorize the release of all information required by the lenders relating to the disposition and status of your loan request.
Vermont Mortgage Broker, License No. 0055 MB

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

The 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. LendingTree does not offer lock-in agreements and does not guarantee any rate of interest quoted by a participating Lender. If you enter a lock-in agreement with the 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.

We will not collect any fees from you in connection with your completion of a loan request. All fees will be collected by and payable to the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for 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 against discrimination 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.

Washington Licensed Mortgage Broker

Wisconsin
For married Wisconsin applicants:

You recognize that this debt you are seeking will be incurred as a family obligation under Wisconsin law and that your marital property may be subject to liability under this obligation. You have not entered into any marital property agreement that will adversely affect our interest in the collateral. You understand that Wisconsin law requires that your spouse be given notice of this obligation.

Wisconsin Mortgage Broker, License No. 6550

West Virginia
West Virginia Licensed Secondary Mortgage Broker
License No. MB 02061998-03

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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