Licenses and Disclosures

Taking the Stress Out of Home Refinance

 Refily.com (a LMB Mortgage Services Inc. company, referred to as “LMB”, “we,” “us,” or “our”) is not a lender or a broker. LMB performs marketing and computerized loan matching services. The information provided by you to LMB is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by a lender or broker that advertises with LMB and you submit a loan application to such lender or broker, your information remains between you and that lender or broker. We do not take applications or collect other documents from potential borrowers, make loans, or accept or facilitate loan payments. As a marketing lead generator, LowerMyBills is required to be a licensed mortgage broker.

LMB does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. LMB shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms.

In no event shall LMB be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, timeliness, validity and quality of any information is with the user.

NMLS Unique Identifier: 167283

To review NMLS access page please visit:

http://www.nmlsconsumeraccess.com/EntityDetails.aspx/

Alabama

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Alabama Mortgage Brokers License No. 20959

Alaska

Alaska Mortgage Broker Lender License

LMB Mortgage Services Inc. – License # AK 167283

Alaska Mortgage Broker Lender License – Other Trade Name Trade Name #1 (LowerMyBills.com) – AK167283-1

Arizona

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com, Arizona Mortgage Brokers License No. AZ MB 0918276

Arkansas

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com is a licensed Arkansas Mortgage Loan Company/Broker.

License No. 100781

California

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com is a Licensed Real Estate Broker. LowerMyBills.com does not make mortgage loans or commitments. License No. 1868896

CA Dept. of Real Estate, (916) 227-0931

The Housing Financial Discrimination Act of 1977 Fair Lending Notice

It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of: (a) 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; or (b) 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, or 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 residence 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 institution or the agency noted below.

Bureau of Real Estate

Mortgage Loan Division

1651 Exposition Boulevard

Sacramento, California 95815

Department of Business Oversight

320 West 4th Street

Suite 750

Los Angeles, CA 90013-1105

If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act.

If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.

An applicant, if married, may apply for a separate account.

Mortgage Loan Disclosure Statement

LowerMyBills will receive a fee from a Lender upon passing along your inquiry as compensation for its services as a mortgage broker. LowerMyBills receives this fee whether or not you close your loan. This is the total compensation LowerMyBills, Inc. receives from the Lender for its services and the Lender pays this fee. I acknowledge that this mortgage broker fee will be paid to LowerMyBills and that there is no other mortgage broker fee agreement between us.

Connecticut

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com. Mortgage Broker License No. MB-167283.

LEAD GENERATOR ONLY, NOT ACTING IN THE CAPACITY OF A MORTGAGE LOAN ORIGINATOR, MORTGAGE BROKER, MORTGAGE CORRESPONDENT LENDER OR MORTGAGE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR RESIDENTIAL MORTGAGE LOAN INQUIRY.

District of Columbia

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com, District of Columbia Mortgage Broker License No. MLB167283

Financing Agreement

If you transact with a Lender linked via your inquiry with LowerMyBills, the Lender shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1013. This agreement shall include the terms and principle amount of the loan, an explanation of the type of loan, the interest rate, points and fees, and the length of time the finance agreement is in effect. This must be executed by the Lender and delivered at least 72 hours before settlement.

Florida

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com, Florida Correspondent Mortgage Lender.

License No. #MBR661

This disclosure is written to give you notice that LowerMyBills.com does not originate mortgage loans or commitments. Although LowerMyBills.com will forward your loan request to its participating lenders, LowerMyBills.com does not guarantee acceptance into any particular loan program. Should you choose to apply for a mortgage loan with a participating lender, that lender will provide you with a Good Faith Estimate itemizing fees, including loan origination and/or other settlement service fees. The documentation you receive will also include information on whether any fees paid are refundable.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM LMB OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY LMB. HOWEVER, LMB RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD. A LENDER IS ALLOWED TO REQUIRE THE USE OF AN ATTORNEY, CREDIT REPORTING AGENCY OR REAL ESTATE APPRAISER CHOSEN TO REPRESENT THE LENDER’S INTEREST.

Georgia

LMB Mortgage Services Inc. d/b/a/ LowerMyBills.com.

4859 W Slauson Ave #405, Los Angeles, CA 90056 Georgia Mortgage Broker License No. 57215

Idaho

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com, Idaho Mortgage Broker License No. 7137

Mortgage Broker/Origination Agreement

LowerMyBills.com will not act as your lender or credit provider. LowerMyBills.com will pass along the information you submit to our lending partners and our lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. LowerMyBills.com provides mortgage information at no cost to you. LowerMyBills.com will not charge or seek fees of any kind from you. LowerMyBills.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender. This agreement remains in effect only as long as you seek to use the services offered by LowerMyBills.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

Idaho Prepayment Penalty Disclosure

If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment charge. A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement.

Interest Rate Lock Information

An interest rate that is not locked in is subject to change.

Illinois

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com Illinois Residential Mortgage Licensee License No. 6760682

Loan Brokerage Agreement and Broker Disclosure Statement

LowerMyBills.com, a corporation, is a mortgage broker and not a lender. LowerMyBills.com provides mortgage information at no cost to you. LowerMyBills.com will not charge or seek fees of any kind from you. LowerMyBills.com will pass along your inquiry to our lending partners and our lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. LowerMyBills.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender. This agreement remains in effect only as long as you seek to use the services offered by LowerMyBills.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

A participating Lender may provide you with a Borrower Information Document pursuant to the Residential Mortgage License Act of 1987. You may also receive a list of documents and materials required to complete your loan application with the Lender.

Illinois Department of Financial and Professional Regulation

Division of Banking

122 S. Michigan Ave.,

Suite 1900 Chicago,

IL 60603(312) 793-3000

Indiana

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Indiana Loan Broker Registration License No. 167283

Iowa

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Iowa Mortgage Broker License No. 2009-0070

Kansas

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Mortgage Company License MC.0025017

LowerMyBills.com

4859 W Slauson Ave #405, Los Angeles, CA 90056

LowerMyBills.com is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee’s products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Kentucky

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Kentucky Mortgage Loan Broker License No. MB24703

Louisiana

LMB Mortgage Services Inc. d/b/a/ LowerMyBills.com, Louisiana Residential Mortgage Lending License, NMLS Unique Identifier 167283

Maine

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Loan Broker License #17283

Maine Credit Services Organization No. CSo11467

Maine law requires that the disclosures below be provided to consumers before any contact is signed with, and before any money is paid to, a credit services organization or third parties. Please print out this information and save if for your records. I acknowledge reading and receiving a copy of this Disclosure to Consumer.

Written Agreement or Contract

LowerMyBills will not act as your lender or credit provider. LowerMyBills will pass along your to our lending partner(s) and our lending partner(s) will contact you with their offer(s). While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. LowerMyBills provides mortgage information at no cost to you. LowerMyBills will not charge or seek fees of any kind from you. LowerMyBills receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender. This agreement remains in effect only as long as you seek to use the services offered by LowerMyBills, Inc. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.

Escrowing of Consumer Funds

LowerMyBills, Inc. will not accept, request, or require any fees from our consumers.

Consumer Protection Bond

A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine 04333-0035.

Maryland

LMB Mortgage Services, Inc., d/b/a LowerMyBills.com

Maryland Mortgage Lender License No. 18945

LowerMyBills.com will not seek or accept fees from consumers submitting an inquiry. If your inquiry is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§ 12-125, 1013. The Financing Agreement must contain: (1) the term and principal amount of the loan; (2) an explanation of the type of mortgage loan being offered; (3) the rate of interest that will apply to the loan, and, if the rate is subject to change or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower or the seller; and (5) the term in which the Financing Agreement remains in effect.

Massachusetts

Massachusetts Mortgage Broker License

LMB Mortgage Services, Inc. d/b/a/ LowerMyBills.com

Mortgage Broker License #MB167283

Michigan

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com, Michigan

First Mortgage License No. FL0016983

Second Mortgage License SO -0016984

Minnesota

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Minnesota Residential Mortgage Originator License No. 20406683

LowerMyBills.COM IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.

Mississippi

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Mississippi License No. 4421/2009

Missouri

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Missouri Residential Mortgage Broker License No. 91647

Nebraska

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Nebraska Licensed Mortgage Banker, License No. 2006

Nevada

LMB Mortgage Services Inc. d/b/a/ LowerMyBills.com, Nevada Mortgage Broker License No. 4669

New Hampshire

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Licensed by the New Hampshire Banking Department. Mortgage Broker License No. 14961-MBR.

New Jersey

LMB Mortgage Services Inc. d/b/a/ LowerMyBills.com

New Jersey Mortgage Broker License, NMLS Unique Identifier 167283

New Mexico

LMB Mortgage Services, Inc., d/b/a LowerMyBills.com

New Mexico Loan Broker License No. 3828

New York

LMB Mortgage Services Inc. d/b/a/ LowerMyBills.com.

4859 W Slauson Ave #405, Los Angeles, CA 90056

Registered Mortgage Broker – NYS Department of Financial Services

A007389

LowerMyBills is a Registered Mortgage Broker with the State of New York. As a Registered Mortgage Broker, LowerMyBills is not empowered to make mortgage loans. All mortgage loans are arranged with third-party providers.

Disclosure

North Dakota

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

North Dakota Money Broker License No. MB103184

Ohio

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Mortgage Lending Act Certificate of Registration #804271.000

Oregon

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Oregon Mortgage Broker License No. ML 4935

Pennsylvania

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Licensed by the Pennsylvania Department of Banking

Mortgage Broker License No. 30999

If you choose to transact with a Lender, you may be required by the Lender to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender determines the fee amount. Your loan documents will disclose whether these fees are refundable or nonrefundable.

Variable Interest Rate Disclosure

Pennsylvania’s Loan Interest and Protection Law applies to loans of $50,000 or less. This law requires a Lender offering a mortgage with a variable interest rate to also offer a mortgage with an interest rate that will not change. This fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.

Rhode Island

Rhode Island Loan Broker License

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Loan Broker License # 20173498LB

South Carolina

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

South Carolina License number: NMLS: 167283, MB1120200

South Dakota

South Dakota Mortgage Brokerage License

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Mortgage Brokerage License #MB.00049

Tennessee

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Tennessee Mortgage Broker License No. 109344

Texas

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

NMLS ID 130484 – has been issued a mortgage company license by the Texas Department of Savings and Mortgage Lending.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE LOAN COMPANY OR A 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 TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED 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.

Utah

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Utah Mortgage Entity License No. 7500864-MLCO

Utah Mortgage Entity License, LowerMyBills.com, 0555362

Vermont

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Vermont Mortgage Broker License No. 985

Vermont Mortgage Entity License, LowerMyBills.com, 14211MB

LowerMyBills.com will act in a brokerage capacity and will not act as your lender or credit provider. LowerMyBills.com will pass along your inquiry to our lending partners and our lending partners will contact you with their loan product offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

LowerMyBills.com provides mortgage information at no cost to you. LowerMyBills.com will not charge or seek fees of any kind from you. LowerMyBills.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender. This agreement remains in effect only as long as you seek to use the services offered by LowerMyBills.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. LowerMyBills.com does not otherwise represent the interests of either you or the participating Lenders and does not select a loan product for you.

Virginia

Licensed by the Virginia State Corporation Commission LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Virginia Mortgage Broker License No. MC-5455

Washington

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Washington Mortgage Broker License No. MB- 167283

West Virginia

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

West Virginia Licensed Mortgage Broker No. 24644

Wisconsin

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Wisconsin Mortgage Broker License No. 69339

LowerMyBills.com will not act as your lender or credit provider. LowerMyBills.com will pass along your inquiry to our lending partners and our lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. LowerMyBills.com receives fees from lending partners and may be paid by the lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the lender.

Wyoming

LMB Mortgage Services, Inc. d/b/a LowerMyBills.com

Mortgage Broker License No. 3059

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