loans4U@nationwideloanbrokers.com Disclosures Nationwide Loan Brokers: A Division of CR$ and Associates POB 061754 Palm Bay, FL 32906-1754 Phone: (321) 728-3320 FAX: (321) 768-0897 e-mail: loans4u@nationwideloanbrokers.com What is Nationwide Loan Brokers? Nationwide Loan Brokers (hereafter referred to as NLB) is a licensed business located in Brevard County, Florida. NLB is a Referral Business. NLB is not a lender, an auto lessor or a credit card issuer. NLB does not make credit decisions in connection with loans, nor do they issue commitments or lock in agreements. NLB is not an agent of either you , the consumer, or any potential lender. NLB s services are administrative and consultative only. You, the consumer, should rely on your own judgment, when determining whether or not an available loan product best suits your needs and means. NLB does not guarantee that completing a Pre-Application will result in your receiving a loan from any lender. The Pre-Application Form that you, the consumer, submits to NLB is not an Application for Credit, but rather a Preliminary, application form, intended only for the purpose of obtaining PRE-QUALIFING information from you, the consumer, for NLB to present to one or more potential lenders. Participating lenders who receive a completed Pre-Application form from NLB require that you complete a loan application. NLB does not charge an administrative/application fee or so called upfront fee for its services. NOTE: When a Participating Lender has received your pre Application forms from NLB and have determined that they (the Lender) wish to proceed with the loan application process, the lender will generally notify NLB and/or you (the consumer). The Lender may, at that time, request that you provide them with additional information and/or documentation. NLB will assist you in this process by supplying the necessary forms, etc. then submitting the entire LOAN PACKAGE to the Lender for their final decision. The Lender and/or NLB will promptly contact you with the specific details of their (the Lender) decision. FEDERAL DISCLOSURES The Pre Application form form will be forwarded to one or more of NLB s participating, potential lenders. These lenders will make certain disclosures to you as required by Federal law under 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; HUD mandated booklets Guide to Settlement Costs an/ 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, are 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 At present time Nationwide Loan Brokers is not arranging Commercial Mortgage or Business Loans in the States listed below: ARIZONA CALIFORNIA DISTRICT of COLUMBIA HAWAII LOUISIANA MINNESOTA NOTE: In the State of Rhode Island only loans of more than $25,000.00 can be arranged. In the State of Vermont only loans of more than $1 million can be arranged. Residential mortgage loan inquires are accepted for entire USA. Copyright © 2010, Nationwide Loan Brokers All Rights Reserved. No one employed or affiliated with NATIONWIDE LOAN BROKERS gives legal advice. No information contained in this profile of NLB is intended to give legal advice. All information on this Website is believed to be accurate, however, it is subject to change without notice.