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**Important terms and conditions apply to the closing cost credit. Closing cost credit will not exceed borrower’s closing costs, up to $750. Please go to https://www.sirvahomebenefits.com to learn more and see how you can receive a closing cost credit.

Sirva Mortgage Rate Reduction Refinance - The following terms and conditions apply to the Sirva Mortgage Rate Reduction Refinance program The note interest rate on the refinance must be at least a one-half percent (½%) less than the current note interest rate. 6(six) timely monthly payments required and current mortgage in good standing at time of application as well as at the time of refinance closing. Applicant responsible for any additional closing costs over and above the $1,500 in credits. Closing cost credit will not exceed your actual closing costs. Rate reduction mortgage must be locked in within three years of your current mortgage’s closing date. Refinanced loan subject to credit approval. Qualification required for the rate reduction refinance offer. APR on a refinance may differ from Note Rate. Refinanced loan total finance charges may be higher over the life of the refinanced loan. This offer cannot be used in conjunction with any other offers or credits and is subject to all applicable state laws and regulations.

This is not an offer of credit. This is not an offer to enter into an interest rate lock-in agreement nor is this notice of loan approval. Mortgage approvals are rendered based on individual credit qualifications. Sirva Mortgage is an equal opportunity lender engaged in the business of originating residential mortgage loans. We are licensed or authorized to conduct mortgage loan origination in all 50 states plus the District of Columbia. Sirva Mortgage is not a depository institution and does not act or represent itself as a full-service bank. Reference to the term “mortgage banker” is a common, accepted industry term referring to companies engaged only in the business of making mortgage loans. Various state laws and regulations and our license type(s) in various states refer to us as a mortgage lender, mortgage banker or mortgage broker. For our Privacy Policy and Affiliated business relationships disclosures please visit https://mortgage.sirva.com/about. Please see the complete required license disclosure below. Call 800-531-3837 for more information.

Sirva Mortgage, Inc. NMLS ID #2240, for licensing information, go to: www.nmlsconsumeraccess.org. Main Office Address is 6000 Lombardo Center, Suite 500, Seven Hills, OH 44131; Telephone: 1-800-531-3837. We are licensed by/as (among others): Arizona Licensed Mortgage Banker, License #0901430; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130944; Georgia Residential Mortgage Licensee #6221; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company, License #MC.0025314; Massachusetts Mortgage Lender, License #ML2240; Nevada Licensed Mortgage Banker, License #1043; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker – NYS Banking Department; Oregon Consumer Finance Act license #ML-186; Rhode Island Licensed Lender; Texas Mortgage Banker Registration #2240; WA Consumer Loan Company License #CL-2240.

Your APR on a refinance may differ from your Note Rate. For those looking to refinance – even if your refinanced rate or APR is lower, by refinancing your existing loan, your total finance charges may be higher over the life of the refinanced loan.

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

Licensed Mortgage Loan Originators' NMLS IDs are available upon request. For licensing information, go to:  https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2240.

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