TEXAS CONSUMERS COMPLAINT/RECOVERY FUND NOTICE: 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.

Additional Disclosures and Disclaimers

FHA Lenders.com provides mortgage related information and services at no cost to you. FHA Lenders.com will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by FHA Lenders.com. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

FHA Lenders.com does not act as a lender or credit provider and will forward your loan request to one of our other partner lenders. FHA Lenders.com does originate mortgages and cannot guarantee all products will be available and at what pricing or fees.

You are not required to use FHA Lenders.com lead form to obtain a residential mortgage loan.

If your loan request is forwarded to one of our participating lenders, you may receive from the lender a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA.

The interest rate quoted in connection with the loan you select is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and the lender. FHA Lenders.com does not offer lock-in agreements and does not guarantee any rate of interest quoted. FHA Lenders.com is not responsible for fees or any terms and conditions offered by the lender.  Any lenders referenced on this website are for informational purposes with no affiliation to this website.

FHA Lenders.com will not collect any fees from you in connection with your completion of a mortgage loan request. Any and all fees will be collected from and will be payable to the Lender.

If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act.