DebtWatch.com is not a lender or mortgage broker and does not make loans or obtain your credit report. Furthermore, DebtWatch.com does not make credit decisions in connection with loans. By submitting your contact request for a loan product, you are consenting to be contacted by one or more Providers, either by telephone, email or mail based on the information you have provided to us, even if you have previously listed yourself on any private, state or federal Do-Not-Call List.

You understand that the Providers may maintain the information you submitted to DebtWatch.com whether you elect to use their services or not. In the event you no longer want to receive communications from a Provider, you agree to notify the Provider directly. You also give DebtWatch.com permission to send you periodic updates of current loan products which may be of interest to you.

DebtWatch.com does not make loan decisions and that all loan and credit decisions are solely made by the independent lenders/brokers that are participating on DebtWatch.com. DebtWatch.com does not guarantee or promise that you will be offered a loan by any of our participating lenders/brokers. Nothing stated in the "Terms of Use" or on the DebtWatch.com Web site shall constitute an offer or promise for a loan commitment or an interest rate lock agreement by DebtWatch.com to you.

DebtWatch.com, Inc. is a California corporation with its principal place of business at 1726 Stoner Ave, Los Angeles, CA 90025. DebtWatch.com, Inc. is not required to be licensed as a mortgage broker or lender in all states.

Alabama	Mortgage services are provided by North American Home Funding and any information submitted will be safeguarded and processed in accordance with the North American Home Funding privacy policy and terms of use. Loan Broker Act Exemption
Alaska	Alaska Mortgage Broker Exemption
Arizona	Mortgage Broker License No. MB-112333
Arkansas	Loan Broker Act Exemption
California	DebtWatch.com, Inc. is a Licensed Real Estate Broker, License No. 1485835 California Holden Act - Fair Lending Notice: THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 -- FAIR LENDING NOTICE: IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: 1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OF GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS; OR 2. 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 GEOGRAPHICAL AREA SURROUNDING A HOUSING ACCOMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRIASING A HOUSING ACCOMODATION 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 RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE-TO-FOUR UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR: Department of Real Estate 2201 Broadway P.O. Box 187000 Sacramento, CA 95808-7000 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 DebtWatch.com, Inc. will receive a fee from a Lender upon passing along your inquiry as compensation for its services as a mortgage broker. DebtWatch.com receives this fee whether or not you close your loan. This is the total compensation DebtWatch.com, 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 DebtWatch.com, Inc. and that there is no other mortgage broker fee agreement between us.
Colorado	Colorado Mortgage Broker Exemption
Connecticut	Connecticut Mortgage Broker License No. FMBO 18025 Connecticut Home Mortgage Disclosure Act prohibits discrimination against home purchase loan, home improvement loan or other mortgage loan applicants solely on the basis of the location of the property to be used as security. The agency which enforces compliance with this law is the: Department of Banking 260 Constitution Plaza Hartford, Connecticut 06103 If you believe you have been unfairly discriminated against, you may file a written complaint with the Commissioner of Banking at the above address. (Conn. Gen. Statutes, Chapter 669, Part IX).
Delaware	Delaware Mortgage Broker Exemption
District of Columbia	Mortgage Broker License No. MLB 5928
Florida	Florida Correspondent Lender License No. 541357. FLORIDA MORTGAGE LENDER AUDIT# CL 0600930 AND REG. LICENSE ID# #LI00000622031 DebtWatch.com, INC. DOES NOT ORIGINATE OR ACCEPT LOAN APPLICATIONS OR FEES FROM CONSUMERS NOR DOES IT GUARANTEE ACCEPTANCE TO ANY LOAN PROGRAM OR TERMS. DebtWatch.com, INC. DOES NOT MAKE MORTGAGES OR ISSUE COMMITMENTS. INFORMATION PROVIDED BY YOU WILL BE FORWARDED TO APPLICABLE LENDERS. QUESTIONS OR COMMENTS MAY BE DIRECTED TO CUSTOMER SERVICE, C/O DebtWatch.com, INC.,1726 Stoner Ave, LOS ANGELES, CA 90025. TEL.: 310.442.9605
Georgia	Georgia Mortgage Broker License No. 21178
Hawaii	Mortgage Brokers and Solicitors Act Exemption
Idaho	Mortgage Broker / Lender License # MBL-5419
Illinois	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. Residential Mortgage Act Exemption
Indiana	Loan broker license No. HUD EXEMPT
Iowa	Mortgage Broker License No. HUD EXEMPT
Kansas	Kansas Mortgage Company License No. 2006-5158
Kentucky	Kentucky Mortgage Loan Company License No. HUD EXEMPT
Louisiana	Exempt
Maine	Loan Broker License No. CS09068
Massachusetts	Massachusetts Broker License No. MB4754
Maryland	Maryland Mortgage Lender License No. 16661
Michigan	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. Michigan Mortgage Broker License No. FL SR-0015032
Minnesota	Minnesota Residential Mortgage Originator License DebtWatch.com, INC. 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	Mortgage services are provided by North American Home Funding and any information submitted will be safeguarded and processed in accordance with the North American Home Funding privacy policy and terms of use. Mississippi Mortgage Company License No.
Missouri	Mortgage services are provided by North American Home Funding and any information submitted will be safeguarded and processed in accordance with the North American Home Funding privacy policy and terms of use. Residential Mortgage Brokers License Act Exemption
Nebraska	Mortgage Banker License
New Hampshire	Mortgage Banker License
New Jersey	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. New Jersey Licensed Lenders Act Exemption
New Mexico	New Mexico Loan Broker License No. 1742
New York	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. New York Registered Mortgage Broker NYS Banking Department, RMB 205703
Nevada	Nevada Mortgage Broker Exemption
North Carolina	North Carolina Mortgage Lender Exemption
North Dakota	North Dakota Money Broker License
Ohio	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. Mortgage Broker License No. MB.802621.000
Oklahoma	Mortgage services are provided by North American Home Funding and any information submitted will be safeguarded and processed in accordance with the North American Home Funding privacy policy and terms of use. Oklahoma Supervised Lender VA Exempt
Oregon	Mortgage Lender License No. ML-3906
Pennsylvania	Mortgage Broker License No. 17579.001
Rhode Island	Rhode Island Loan Broker License
South Carolina	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. South Carolina Mortgage Broker Licensing Exemption
South Dakota	South Dakota Mortgage Broker License
Tennessee	Tennessee Residential Lending, Brokerage and Servicing Act of 1988. License No. 2473
Texas	Texas Mortgage Broker License No. 26749
Utah	Mortgage services are provided by U.S. North American Home Funding and any information submitted will be safeguarded and processed in accordance with the U.S. North American Home Funding privacy policy and terms of use. Residential Mortgage Lender License No. 5663228-MLCO
Vermont	Vermont Mortgage Broker License
Virginia	Mortgage Broker License No. MB-2047
Washington	Mortgage services are provided by North American Home Funding and any information submitted will be safeguarded and processed in accordance with the North American Home Funding privacy policy and terms of use. Washington Mortgage Broker Practices Act Exemption
West Virginia	West Virginia Mortgage Broker License Act Exemption
Wisconsin	Wisconsin Mortgage Broker License Act Exemption
Wyoming	Wyoming Mortgage Broker License Act Exemption