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ADVERTISING DISCLOSURES

Disclosure 1

Free LendingTree Services

LendingTree is compensated by companies on this site and this compensation may
impact how and where offers appear on this site (such as the order). LendingTree
does not include all lenders, savings products, or loan options available in the
marketplace.

What portion of LendingTree’s services in connection with my loan request is
free?

There is no cost to submit a loan request, get matched with lenders and receive
conditional loan offers or quotes. You may review the conditional loan offers or
quotes and talk to the lenders at no cost. Of course, the lender you choose may
require a fee to process your formal loan application, appraisal, and/or credit
report, but until you agree to pay the lender any fee(s), you may shop with
LendingTree at no cost.

How does LendingTree get paid?

LendingTree does not charge you, the consumer, a fee for its services. Who pays
our bills? The lender. Of course, you will be responsible for paying any loan
processing, closing costs or other fees to the lender with whom you close.

Disclosure 95

Calculators

Calculators are made available as tools for your use in researching and
comparing products. LendingTree does not guarantee the accuracy of the results
and you should seek individualized advice from qualified professional(s) who can
assist you in regard to your personal financial circumstances. All tools and
calculators are deemed examples and are for illustrative purposes only. Your
final payment, interest rate, loan, amount and/or fees are unknown and all
calculations are estimates only. When calculators are placed in LendingTree
Widgets there are times when certain assumptions will be utilized, including,
but not limited to the following:

Home Affordability Calculator

Assumptions

Estimated annual property tax is 1.14%. Estimated annual homeowner's insurance
is $800. Annual homeowner's association (HOA) dues are $0. Loan term is 30
years. This includes private mortgage insurance (PMI). These are examples only
are not guaranteed amounts for any one location. Amounts are national averages
from 2013 obtained from several sources. Estimated taxes and insurance amounts
will adjust using the above assumptions when a new purchase/refinance/home
estimated value is placed into the field and is not a guarantee of what actual
amounts may be for any particular product or property.

Rent or Buy Calculator

Assumptions

Rental amount includes one year of rent (you place into the calculator) and
rental insurance (based on the national average for 2013). Loan term is 30
years. Property tax assumption is 1% of the home value. Annual homeowner's
association (HOA) dues being set at $100. Maintenance of owning a home is
assumed at 2% of home value. Personal tax rate of 33% is factored into the
calculation(s). Calculator assumes home appreciation of 4% and a rent increase
of 4% annually. The cost of selling a home is 8% of the sales price based on
national average of repairs, staging, and Real Estate Agent commissions. The
rate of return on investments after tax is assumed at 5% pursuant to 2013
statistics.

Mortgage Checkup Calculator

Mortgage Checkup and calculators are made available as tools for your use in
researching and shopping for mortgage products and are not intended to be
investment advice of any kind. LendingTree, LLC does not guarantee the accuracy
of the results and you should seek individualized advice from qualified
professional(s) who can assist you in regard to your personal circumstances. All
tools and calculators are deemed examples and are for illustrative purposes
only.

Reverse Mortgage Calculator

The calculator is for illustrative purposes only and uses an estimated rate,
term, origination fee, mortgage insurance pre-payment, etc. from information
gathered from the LendingTree Network. The calculator and a Reverse Mortgage
Loan are not intended to be investment advice, or a recommendation by
LendingTree as it cannot guarantee the accuracy of the results. Private mortgage
insurance may be required and estimates of the same are used in the calculation,
but the calculator does not include taxes and insurance, which are required to
be paid during the duration of a Reverse Mortgage Loan. Rates vary by lender, by
state, and on consumers LTV and personal financial situation. Terms and
Conditions Apply and vary per lender, so ask each lender what costs, fees and
terms are available for your personal financial situation.

The Reverse Mortgage calculator is an estimate only and not an offer of credit
by any one Lender. Reverse Mortgage requires that one of the homeowners be at
least 62 years of age; have a substantial amount of equity in your primary
residence and you intend to remain in the home for the duration of the loan.
Taxes and interest still have to be paid even while your mortgage payments may
stop. Speak with a qualified Reverse Mortgage Counselor to discuss all of your
options.

Mortgage rate quotes displayed on LendingTree LoanExplorerSM, including loan
pricing data, rates and fees, are provided by third party data providers
including, but not limited to, Mortech®, a registered trademark of Zillow®,
LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.



LendingTree Advertisement Disclosure (last updated June 8, 2018):

LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE
BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK
DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.

For a current list of applicable state licensing and disclosures, click Licenses
and Disclosures or call for details.

LendingTree, LLC NMLS Unique Identifier # 1136, AK Mortgage Broker/Lender
License #AK1136; AZ Mortgage Broker, License #’s MB-0902469 and MB-0909882;
California Dept. of Corporations, California Finance Lenders Law License No.
6037234; CO Mortgage Company Registration Regulated by the Division of Real
Estate; CT Mortgage Broker, License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE
LENDER OR MORTGAGE CORRESPONDENT LENDER; Georgia Mortgage Broker/Processor
License #12989; Illinois Residential Mortgage License #0005433; Kansas Mortgage
Company License #MC.0002279; MA Mortgage Broker License #MB1136 – We arrange but
do not make loans; ME Loan Broker License #CSO06321; Licensed by the Mississippi
Department of Banking and Consumer Finance as a Mortgage Broker License #1136;
MO Mortgage Broker License #10-1261, 727 N. First Street, Suite 310, Saint
Louis, Missouri 63102; MT Mortgage Broker, License #1097; Licensed by the New
Hampshire Banking Department; NJ Residential Mortgage Broker License # 0801779 –
broker will not make any mortgage loan commitments or fund any mortgage loans;
NV Mortgage Broker License #1698; LT Technologies in lieu of true name
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Guo #300978, Residential Mortgage Loan Originator at 1312 Village Creek Drive
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Virginia State Corporation Commission; WA Mortgage Broker License #MB1136.

Advertised Terms and Information

 * The information and disclosures above relate to advertised terms made by or
   through LendingTree.
 * Interest rates and terms are from a lender or lenders with whom LendingTree
   may match you and that offer the particular product. The disclosures are
   current as of the date indicated.
 * LendingTree is not a lender in any transaction and does not make loans, loan
   commitments or lock-rates. All credit decisions, including loan approval and
   the conditional rates and terms you are offered, are the responsibility of
   the participating lenders and will vary based upon your loan request, your
   particular financial situation, and criteria determined by the lenders to
   whom you are matched. Not all consumers will qualify for the advertised rates
   and terms. APR may be in lieu of rebates or incentives. Dealer participation
   may affect consumer cost.
 * You may not be matched with a lender making a particular conditional loan
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   conditional loan offer. LendingTree arranges for multiple conditional loan
   offers through its network of nonaffiliated lenders. See the Terms of Use
   Agreement for more details. The Terms of Use Agreement governs these
   advertised Terms and Information.
 * FICO score means the FICO credit score report that a lender receives from a
   consumer reporting agency.





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MORTGAGE REFINANCE CALCULATOR: SHOULD I REFINANCE MY HOUSE?

Our mortgage refinance calculator helps you decide if it makes sense to
refinance based on how long it takes you to recoup your refinance closing costs.
Compare your best mortgage refinance rates with your current mortgage to see how
much you could save.

Your Current Mortgage
 * Original Amount:
   $
 * Loan Start Date:
   « ‹ » › May 2012 2010 ~ 2019 05/01/2012
   
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 * Loan Term: 15 Years 30 Years
 * Interest Rate:
   %

Your New Mortgage
 * Loan Term: 15 Years 30 Years
 * Interest Rate:
   %
 * Lender & Title Fees:
   %
 * Length of Ownership:
   Years

Reset Calculator
 * Monthly cost analysis
 * Lifetime cost analysis

REFINANCING MAKES SENSE

 * LIFETIME SAVINGS
   
   $55,536 See Refinance Offers
   Disclosures

 * YOU'LL BREAK EVEN BEFORE YOU PLAN ON MOVING
   
   36 months Break Even Point
   5 Years

 * Monthly Payment
   $1,653 vs $1,914
   Increased your payment by $261
 * Interest Rate
   5.000% vs 4.300%
   Lowers your interest rate
 * Payoff Time
   21 years vs 15 years
   Lower your payoff time
 * Total Loan Cost
   $405,086 vs $349,550
   Save $55,536 in lifetime costs

Terms & Conditions Apply, NMLS#1136


HOW TO USE THE REFINANCE CALCULATOR

To get your best results from our mortgage refinance calculator, you’ll need to
input information about your current loan, as well as the rates and terms on a
potential new loan.

To complete the “Your Current Mortgage” section of the calculator, look for your
original loan amount, loan start date, loan term and interest rate on the
promissory note you signed with your closing papers.

To complete the “Your New Mortgage” section, input the term and rate you plan to
refinance to, as well as an estimated percentage for lender and title fees.
Finally, input how many years you plan to stay in your home.

The mortgage refinance calculator will display both a monthly and lifetime cost
analysis based on your current and potential new mortgage. The monthly analysis
indicates how much you will potentially save or spend on your new monthly
mortgage payment. The lifetime analysis indicates how much money you will save
in interest over the life of the new loan.




MORTGAGE REFINANCE FAQS




WHAT IS A MORTGAGE REFINANCE AND HOW DOES IT WORK?

When you refinance your mortgage, you are paying off your current loan with a
new one that offers better rates and terms for your situation.

Typically, the goal of a mortgage refinance is to save you money, either in
total interest payments or by reducing your monthly costs. Our home loan
refinance calculator at the top of the page can help you estimate those costs.




WHEN SHOULD YOU REFINANCE YOUR MORTGAGE?

A mortgage refinance can mean big savings, but it may come at a price in the
short term. The decision to refinance comes down to whether you’ll be in your
home long enough for your monthly savings to outweigh the upfront refinancing
costs. If you can save money every month and recoup the costs within the time
you plan to stay in your home, a mortgage refinance makes sense.

If you are reducing the term of your loan from a 30-year fixed mortgage to a
15-year fixed mortgage, you should refinance only if you can afford the higher
payment that comes with a shorter term. Use our mortgage refinance calculator to
estimate your new monthly payments to see what you can afford.




HOW DOES HOW LONG YOU STAY IN THE HOME AFFECT YOUR REFINANCE DECISION?

One of the most important calculations to make when you are considering a
refinance is called a breakeven, which divides your closing costs by how much
you’re saving every month. This tells you how many months it will take before
you’ll recoup the cost of refinancing your mortgage.

For example, if you plan to live in a home for 60 more months, but your
breakeven results show it will take 70 months for you to recover the costs, the
refinance doesn’t make sense.

Our mortgage refinance calculator above can help you determine the amount of
time you’ll need to stay in your home after refinancing to break even and cover
your costs.




HOW DO YOU FIND YOUR BEST MORTGAGE REFINANCE RATES?

An online rate comparison tool provides you with the fastest feedback on
available rates. By just answering a few questions online, lenders will compete
for your business with their best refinance offers.

If you don’t use an online rate comparison site, contact at least three to five
lenders and email or call them for information. Make sure you collect all of the
information on the same day — rates and fees change daily. Feel free to use our
mortgage refinance calculator as a resource to compare your best offers.




WHAT DO YOU NEED TO REFINANCE YOUR MORTGAGE?

The refinance process is similar to the steps you followed to get your current
mortgage. That typically includes providing income documents, verifying your
credit and obtaining a new appraisal on your home. There are some streamline
refinance options, such as the FHA streamline or the VA interest rate reduction
refinance loan (IRRRL), that allow you to refinance without verifying income,
credit or even your home’s value.




WHAT ARE THE DIFFERENT TYPES OF MORTGAGE REFINANCES?

The most common types of refinances are offered by conventional, FHA-approved
and VA-approved mortgage lenders. We’ve highlighted them below:

 * Conventional refinance. With good credit and a stable income, a conventional
   refinance can be a good money saving refinance option. If you’re just
   refinancing to lower your payment, your home may be eligible for a property
   inspection waiver (PIW), saving you the $300 to $400 typically needed for a
   home appraisal.
 * FHA refinance. Homeowners with scores below 620 may benefit from the easier
   qualifying guidelines offered by FHA-approved lenders. If you already have an
   FHA mortgage, you may be eligible for an FHA streamline refinance, which
   doesn’t require income verification or a home appraisal.
 * VA refinance. Veterans and active duty members of the military can take
   advantage of home loan benefits that include liberal minimum credit score and
   mortgage refinance requirements. Homeowners with a current VA loan may be
   eligible for the interest rate reduction refinance loan (IRRRL) program to
   lower their payment with very little documentation and no appraisal.






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LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage
Broker, as required by law, with its main office located at 1415 Vantage Park
Drive, Suite 700, Charlotte, NC 28203, Telephone Number 866-501-2397 (TDD/TTY).
NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in
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are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under
U.S. Patent Nos. 5,995,947 and 5,758,328. © 2016 LendingTree, LLC. All Rights
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