Licenses & Disclosures

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Licenses & Disclosures Page – (Updated – 10/30/2019 )

Refi.com’s main office is located at 23 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660.

Refi.com’s Nationwide Mortgage Licensing System (NMLS) Identification Number is 1756860.

NMLS Consumer Access Site

Not all products and services are available in all states.

California  Licensed by the Department of Business Oversight under California Finance Lender Law License No. 60DBO88440. 

 

Colorado  Mortgage Company Registration – Regulated by the Division of Real Estate – www.dora.state.co.us/real-estate. 

 

Connecticut  Lead Generator License LG-1756860 

 

Refi.com is a lead generator only, not a mortgage lender, correspondent lender or mortgage broker. 

 

Florida  Florida Mortgage Broker License Number MBR2854 

 

Michigan  Michigan 1st Mortgage Broker License Number FL0021730 

 

Oregon  Oregon Mortgage Lending License Number ML-5781 

 

Vermont  Loan Solicitation License #LSO-1756860 

 

This is a solicitation only.  Refi.com is not a lender.  Information will be shared with one or more third parties (lender partners) in connection with your loan inquiry.  Lender partners may not be subject to all Vermont lending laws.  Lender partners may be subject to Federal lending laws. 

 

Virginia  Licensed by the Virginia State Corporation Commission, Bureau of Financial Institutions – Broker License Number MC-6894. 

 

 

Not all products and services are available in all states. 

Advertising Disclosures

Disclosure (1)

Two decades references the experience of Refi.com’s founders from their prior two lending companies.  Two million people refer to total leads generated, or customers assisted, while $4.5B references cumulative total loans closed.

Disclosure (2)

Awards referenced and certain customer reviews were earned by the Refi.com’s founding management team at their prior lending company.

Disclosure (3)

The actual amount of any loan offered by one of our lender partners will depend on the appraised value of the property, the loan-to- value ratio, and your income and creditworthiness. Rates and terms are subject to change based on market conditions and borrower eligibility and may not be available at commitment of closing.

Displayed is a 15-year fixed rate mortgage based on average rates as published on Zillow.com in effect as of 09/23/2019, the new interest rate and mortgage payment example is based on 180 monthly payments for a $207,500 loan on an owner-occupied residential property with a loan-to-value ratio of 75% at 3.23% interest (3.36% Annual Percentage Rate) with acceptable credit. New payment examples do not include mortgage insurance, taxes or hazard insurance payments, if required, and your actual payment obligation will be higher.

Your final terms cannot be determined until after our lender partners have evaluated the information provided with your application as well as the property that will serve as collateral. FHA loans may have up to 2% origination costs.

Disclosure (4)

$68,000 average cash-out represents the average amount of equity pulled by cash-out borrowers in 2017 as reported by Black Knight Data & Analytics.

Disclosure (5)

Your social security number is not required by REFI for our prequalification process and to match you with a lender partner.  REFI utilizes a soft credit inquiry that is solely to prequalify you for options with REFI’s lender partners and won’t affect your credit score or result in an inquiry on your credit report. Continuing with an application with one of our lender partners may require a hard credit inquiry which would require your social security number and could affect your score.

Disclosure (6)

Personal Loan rates, terms and fees will be based on your individual credit history and underwriting criteria and are set by the lender, not REFI.  REFI only attempts to connect you with lenders who can offer loan products.  Personal loan terms typically range from 3 to 5 years and can have annual percental rates between 6.95% and 184.36%.