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Lender Advertising Guidelines


To maintain a consistent structure for consumers, lenders should meet the following criteria:


Rates should be quoted on $200,000 loan amount for Conforming Loans and $400,000 for Jumbo Loans with 80% LTV based on Excellent Credit(720 or higher credit score).

Thirty- and 15-year fixed-rate loans should fully amortize over the stated term and not balloon or change rates during this period.

The quoted rates are available from all loan originators in the company to any consumer (within the relevant state) who calls on the day the rates are quoted. All rates posted on must either match or be lower than the rates posted on the lender's web site or online properties.

The lender agrees to provide with wholesale rate sheets upon request. Additional information may be required to validate the availability and delivery of quoted rates and programs. reserves the right to contact the wholesale vendor to clarify any bonus or rebate loan offerings.

Annual Percentage Rate (A.P.R.) Calculations:

Fifteen days of interest shall be included in the APR Fee.

APRs for adjustable rate mortgages should be calculated at the fully indexed rate.

The 1-year ARMs are fixed for the initial period and change once per year.

3/1, 5/1, 7/1 and 10/1 ARMs have fixed interest rates for the initial period (3, 5, 7, and 10 years, respectively) then become subject to annual rate adjustments thereafter and fully amortize over 30 years.

Disclose the annual percentage rate; finance charge; amount financed; total amounts of all payments; number of payments; amount of each payment; amount of points or prepaid interest, and the conditions and terms under which any loan terms may change between the time of disclosure and closing of the loan. If a variable rate, also disclose the circumstances under which the rate may increase; any limitation on the increase; the effect of an increase, and an example of the payment terms resulting from an increase. Disclosure in compliance with the requirements of the Truth-in-Lending Act, 15 U.S.C. Sec. 1601 and Regulation Z, C.F.R. Sec. 226 shall be deemed to comply with the disclosure requirements of this rule.

(A) The annual percentage rate calculation shall include all charges not normal and customary to a cash transaction.

(i) Charges excluded from the calculation include but are not limited to: appraisals; credit reports; title and escrow fees when applicable; notary fees; application fees as defined in Truth-in-Lending regulations; surveys; document preparation fees, and reserved or escrowed funds deposited into accounts for the purpose of later payment of taxes and/or hazard insurance by a lender on behalf a borrower.

(ii) EXAMPLES OF CHARGES WHICH SHOULD BE INCLUDED in the calculation of the annual percentage rate include but are not limited to: loan origination fees; discounts; interest (including prepaid interest); wire transfer fees; lender-required courier fees; lender-required insurance premiums; processing fees; underwriting fees; funding fees; construction inspection fees; assumption fees; tax service fees; flood insurance life-of-loan coverage fees; warehouse fees, and the full amount of mortgage insurance premiums to be paid over the life of the loan.

When discrepancies, questions, or problems arise, reserves the right to:

  • Remove lender's rates from listings:
  • Remove a lender for six months if there are recurring problems.


In an ongoing effort to maintain the integrity of our site, we at reserve the right to check and verify any lender's rates at any time for accuracy.

The lender agrees to provide with a standard wholesale rate sheets upon request. The rate sheet you fax should have your advertised conforming or non-conforming rate on it (it should reflect the down payment needed to acquire this rate). Please circle the rate clearly on the rate sheet. The rate you circle should produce a net of .75 on a $150,001 purchase loan BEFORE ANY REBATES, DISCOUNTS OR SERVICE RELEASE PREMIUMS.

Additional information may be required to validate the availability and delivery of quoted rates and programs. reserves the right to contact the wholesale vendor to clarify any bonus or rebate loan offerings.

Upon receiving the request from, the lender needs to respond with the requested information within four to six hours of receiving the request. If at any time a lender does not respond, reserves the right to suspend a lender from the listing page until this request has been met.

Any lender quoting incorrect information, including rates they cannot deliver, and thus jeopardizing the integrity or accuracy of the listings, can be removed from the guide.

Lender Profile:

Consumers may, from time to time, seek to learn more about a lender/company. We encourage lenders to complete their lender profiles. This section is displayed after clicking on the company name and “search results” for rates. It will provide further detailed information about your company.

How do I enter my profile text?

  • You first must log in.
  • Click on "Profile."
  • Enter your Company profile and click "Submit"

Contact us

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Helpful Tips

How can I get the MOST from

  • " Take an aggressive approach to updating your rates. Updating raises you to the top of the list for even greater visibility. Try three or four times in the morning and another three or four times throughout the day. You can update as many as 20 times a day. If you don't need to change rate values update the time by clicking the "Finish" link.

Sixty-five percent of consumer visits to occur during business hours. Updating during these hours achieves the biggest bang for your buck.

  • Make sure that you are advertising zero discount rates. They are the most-searched on

  • Specify your loan type. Be sure to select the correct loan type: "purchase," "refinance," or "both" if the rate you enter is the same for either purchase or refi.
  • Keep your rates and fees honest and competitive.