THIS IS NOT A PREAPPROVAL
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.
Rate Match Disclosure: Rate Match Guarantee available for new purchases and refinanced first mortgage loans. Certain product restrictions may apply. Provide your JFQ Lending, LLC Mortgage Loan Originator with a copy of the Loan Estimate from the competing lender. Loan Estimate must be locked and dated the same day it is presented. This offer is subject to credit approval and may change or terminate without notice.
In accordance with the Equal Credit Opportunity Act, JFQ Lending, LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.
Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “JFQ Lending” is a registered trademark of the JFQ Lending, LLC, an Arizona corporation. 7720 N. Dobson Road, Scottsdale, AZ 85256.
JFQ Lending, LLC is not affiliated with or acting on behalf of or at the direction of the FHA, VA, USDA, or Federal Government.
Figure: 7 TAC §80.200(b)
“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A 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 DEPARTMENT 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.”ARTMENT 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.
Loans made or arranged pursuant to the California Financing Law.
For licensing information, go to: www.nmlsconsumeraccess.org." and 205 ILCS 635/2-9 Posting of license - Licensees originating loans on the Internet shall post on their Internet web site their license number and the address and telephone number of the Commissioner. (Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601 1-888-473-4858)
JFQ Lending, LLC is an Equal Housing Lender. NMLS ID# 1639493 (www.nmlsconsumeraccess.org) | 800-391-4306.
JFQ Lending, LLC is licensed by:
|NMLS Unique Identifier No. 1639493|
|Alabama||Consumer Credit License||22554|
|Alaska||Mortgage Broker/Lender License||AK1639493|
|Arizona||Mortgage Banker License||BK-0948806|
|Arkansas||Combination Mortgage Banker-Broker-Servicer License||115218|
|California - DFPI||Finance Lenders Law License||60DBO73937|
|Colorado||Mortgage Company Registration, Regulated by the CO Division of Real Estate||1639493|
|Connecticut||Mortgage Lender License||ML-1639493|
|District of Columbia||Mortgage Dual Authority License||MLB1639496|
|Florida||Mortgage Lender License||MLD1598|
|Georgia||Mortgage Lender License/Registration, Residential Mortgage Licensee||57479|
|Hawaii||Mortgage Loan Originator Company License||HI-1639493|
|Idaho||Mortgage Broker/Lender License||MBL-2081639493|
|Illinois||Residential Mortgage License||MB.6761420|
|Indiana-DFI||Mortgage Lending License||37790|
|Iowa||Mortgage Banker License||2020-0082|
|Kansas||Mortgage Company License||MC.0025643|
|Kentucky||Mortgage Company License||MC404470|
|Louisiana||Residential Mortgage Lending License||1639493|
|Maine||Supervised Lender License||1639493|
|Maryland||Mortgage Lender License||22823|
|Michigan||1st Mortgage Broker/Lender License||FL0021328|
|Minnesota||Residential Mortgage Originator License||MN-MO-1639493|
|Mississippi||Mortgage Lender License||1639493|
|Montana||Mortgage Lender License||1639493|
|Montana||Mortgage Broker License||1639493|
|Nebraska||Mortgage Banker License||1639493|
|New Hampshire||Mortgage Banker License||23027-MB|
|New Jersey||Residential Mortgage Lender License||1639493|
|New Mexico||Mortgage Loan Company License||1639493|
|North Carolina||Mortgage Lender License||L-179563|
|North Dakota||Money Broker License||MB103225|
|Ohio||Residential Mortgage Lending Act Certificate of Registration||RM.804307.000|
|Oklahoma||Mortgage Lender License||ML011668|
|Oregon||Mortgage Lending License||ML-5614|
|Pennsylvania||Mortgage Lender License||65656|
|Rhode Island||Licensed Lender||20214279LL|
|Rhode Island||Licensed Loan Broker||20214280LB|
|South Carolina-BFI||Mortgage Lender / Servicer License||MLS - 1639493|
|South Carolina-DCA||Mortgage Broker License||1639493|
|South Dakota||Mortgage Lender License||1639493.ML|
|Texas - SML||Mortgage Company License||1639493|
|Utah-DRE||Mortgage Entity License||12665395|
|Vermont||Mortgage Broker License||MB-1639493|
|Washington||Consumer Loan Company License||CL-1639493|
|West Virginia||Mortgage Lender License||ML-1639493|
|West Virginia||Mortgage Broker License||MB-1639493|
|Wisconsin||Mortgage Banker License||1639493BA|
|Wisconsin||Mortgage Broker License||1639493BR|
|Wyoming||Mortgage Lender/Broker License||3684|
Equity Access Granted Loan (EAGL) Programs
EAGL 100 and EAGL 133 Second Lien Programs. All other offers will have different terms.
*The advertised loan is a 5-Year Interest-Only Adjustable Rate Mortgage (ARM) followed by a 20-Year amortizing term. The total term of the loan is 25 years. The Interest-Only period is for the first 5 years of the loan and will adjust annually based on a margin and index. After the Interest-Only Period ends, the ARM will convert to a Fixed Rate Mortgage for the remaining 20-year loan term with a regular monthly payment of both principal and interest. The Annual Percentage Rate (APR) for the initial Interest-Only Adjustable Rate Mortgage (ARM) period is 7.563% based on a 5.625% introductory rate with a $100,000 loan amount. The APR example is for a variable interest rate. Example is based upon a FICO Score of 800. A minimum FICO Score of 660 on a primary residence is required for the EAGL 100 and EAGL 133 Programs. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by JFQ Lending, LLC. Not available in all states. Rate is as of October 26, 2022, and is subject to change at any time without notice. JFQ Lending, LLC, NMLS ID# 1639493, is not affiliated with any government agency.
Payment Calculation Example:
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 12 month(s) based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan with a 300 month term and an initial rate of 4.990% the maximum amount that the interest rate can rise under this ARM program is 5.000 percentage points above the initial interest rate to 9.990 percent and the payment can rise from a first-year payment of $41.58 to a maximum of $96.44 in month 61.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000 would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g., 6 x $41.58 = $249.48.
JFQ Lending LLC is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.
The Web Content Accessibility Guidelines (WCAG) defines requirements for designers and developers to improve accessibility for people with disabilities. It defines three levels of conformance: Level A, Level AA, and Level AAA. JFQ Lending.com is partially conformant with WCAG 2.1 level AA. Partially conformant means that some parts of the content do not fully conform to the accessibility standard.
We welcome your feedback on the accessibility of our website. Please let us know if you encounter accessibility barriers:
- Phone: 1-800-391-4306
- E-mail: email@example.com
Transparency in Coverage
Please see the below link:
This link leads to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.