Rates Disclosures

RATE QUOTE ASSUMPTIONS

This is only an estimate and not a commitment to lend. Rates displayed are subject to change and assumes all borrowers have credit scores of 760 or higher, debt-to-income ratios of 40% or lower, and all asset and reserve requirements are met. On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Rates, loan products and fees subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation and property insurance required. Loan is secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions and restrictions apply. Call Newfi for details at 888-316-3934.

EQUAL HOUSING LENDER

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of real estate brokerage service
In the appraisal of housing
Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

FAIR LENDING POLICY

It is the policy of Nexera Holding LLC (dba Newfi and Blustream Lending) to treat all mortgage loan borrowers in compliance with all applicable fair lending laws, including, without limitation, the equal credit opportunity act and the fair housing act. All of our products will be made available to qualified applicants without discrimination on the basis of race, color, religion, sex, national origin, marital status, age (provided the applicant has the legal capacity to enter into a binding contract), handicap, receipt of public assistance, good faith exercise of rights under the federal consumer protection act, or any other basis protected by applicable law.

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977, CALIFORNIA FAIR LENDING NOTICE

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

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.

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, and 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 residences 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 financial institution or:

Department of Business Oversight
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105

IMPORTANT INFORMATION ABOUT OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.