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July 19, 2018
FHA Rates for July 19, 2018
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LendingTree Licenses and Disclosures


Last Updated: November 3, 2016

General. LendingTree, LLC is a Delaware limited liability company with its corporate headquarters located at 11115 Rushmore Drive, Charlotte, North Carolina 28277. Any reference in this Licenses and Disclosures to "we" or "us" or similar words shall refer to LendingTree, LLC unless otherwise indicated, all such entities referred to as "LendingTree". Any reference in Licenses and Disclosures to "you" or "your" means the person(s) using the LendingTree Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of LendingTree offered through alternative methods. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation. LendingTree DOES NOT take mortgage applications, originate, service, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender.

Except as otherwise provided for your state, LendingTree, LLC is not an agent of you or any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender that best suits your personal financial requirements. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. In addition, LendingTree, LLC may receive personally identifiable information regarding the disposition of your loan from the Lender in order to fulfill its regulatory requirements as well as for internal business purposes. You agree to notify any particular Lender directly if you no longer want to receive communications.

Fees. LendingTree does not charge you any fee for its services. LendingTree receives its compensation from the Lenders or Providers for the goods, facilities and services provided by LendingTree. LendingTree's compensation varies by product and service. Marketing fees paid by the Lender or Provider may be included in your rate, points or term. Although some state licensing laws treat fees paid in exchange for marketing lead generation services as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details.

Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report as well as for other items. The Lender will determine the amount of any such fee(s) and should provide information to you regarding the refundability of any such fee(s).

Federal Disclosures. Any request will be forwarded to Lenders, Brokers, Dealers, or Partners (depending on product selected) and these Partners 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 (GFE) on August 1, 2015 the GFE will be called the Integrated Loan Disclosure or Loan Estimate and will be delivered to you by the Lender you select to proceed with for your loan needs; 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 (ECOA) 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 agency that administers compliance with this law varies by Lender depending on its lending authority, but may include the Federal Trade Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC 20580 or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at www.ftc.gov.

PURSUANT TO LENDINGTREE'S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

State Licenses – LendingTree LLC’s Nationwide Mortgage Licensing System (NMLS) Identification Number is 1136.

For some states, required Mortgage Broker Disclosures are included above in the LendingTree Disclosures section.

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FHA Loan Articles and Mortgage News

FHA Loans for Borrowers With Tax Debt or in Repayment Plans

July 10, 2018 - If a house hunter wants to purchase a home with an FHA mortgage, rehab loan, or have a property built for them with an FHA One-Time Close construction loan, what do FHA loan rules say about a borrower’s unpaid tax debt?

FHA Loans For Construction, Rehab, and More

July 9, 2018 - FHA home loans aren’t just for those who want to buy existing real estate in the traditional manner. You can also get an FHA home loan to construct your home, you can buy a fixer-upper and rehab it, or you can apply for a typical FHA mortgage.

Real Talk About FHA Loans and Investment Properties

July 8, 2018 - Some FHA loan applicants get discouraged when they learn that the FHA Loan Handbook states  that a borrower cannot use an FHA single-family mortgage to purchase an investment property. But that does NOT mean that FHA borrowers have no options to make money on the home they purchase.

FHA Reverse Mortgages for Older Borrowers

July 7, 2018 - FHA reverse mortgages are a home loan options that financially qualified borrowers aged 62 or older can consider if they either own their home or are very close to paying off their mortgage loan. Borrowers may consider them to convert the home’s equity into cash for personal needs, renovations, travel or other purchases.

What Sellers Should Know About FHA Home Loans

July 6, 2018 - If you are selling your home, you and your real estate agent need to know some important points about FHA home loans to help you make the best deal possible. There are some aspects that can help sellers properly price and sell their property to someone using an FHA mortgage.

FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!