Disclosures Last Updated: May 21, 2023
License Information Last Updated: June 11, 2024
GeneralWeGotYouLoans
is a marketing agency with its corporate headquarters located at 3857 Birch St #25 Newport Beach CA
92660. Any reference in these Licenses and Disclosures to “we” or “us” or similar words shall refer to
WeGotYouLoans unless otherwise indicated, all such entities referred to as “WeGotYouLoans ”. Any reference in
Licenses and Disclosures to “you” or “your” means the person(s) using the WeGotYouLoans Websites (as defined
in the https://www.wegotyoloans.com/), and/or the good, facilities or services of WeGotYouLoans offered
through alternative methods.WeGotYouLoans is a marketing lead generator, required to be licensed as a
Mortgage Broker or other state license designation.WeGotYouLoans DOES NOT take mortgage applications,
originate, service, make loans or credit decisions in connection with loans, nor doesWeGotYouLoans issue
commitments or lock-in agreements.WeGotYouLoans services are only administrative. Any loan inquiry you
submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive
condition loan offers from Lenders. You may have to complete an application with a Lender before they
will extend an unconditional offer. A Lender you select may require you to pay an application or other
fee to cover the costs of an appraisal, credit report or other items. The Lender, not WeGotYouLoans , will
determine the amount of any such fee and should provide information to you regarding the refundability
of any such fee.WeGotYouLoans does not endorse or recommend the products of any particular Lender.
Except
as otherwise provided for your state,WeGotYouLoans is not an agent of you or any Lender. You should rely on
your own judgment in deciding which available loan product, terms and Lender that best suits your
personal financial requirements. The Lender is solely responsible for its services to you, and you agree
that WeGotYouLoans shall not be liable for any damages or costs of any type arising out of, or in any way
connected with, your use of such services. You understand that Lenders may keep your loan request
information and any other information provided by WeGotYouLoans or received by them in the processing of
your loan request, whether or not you are qualified for a loan with them or if you make a loan with
them. In addition,WeGotYouLoans may receive personally identifiable information regarding the disposition of
your loan from the Lender in order to fulfill its regulatory requirements as well as for internal
business purposes. You agree to notify any particular Lender directly if you no longer want to receive
communications.
FeesWeGotYouLoans does not charge you any fee for its services.WeGotYouLoans receives its compensation from the Lenders or Providers for the goods, facilities and services provided by WeGotYouLoans. WeGotYouLoans compensation varies by product and service. Marketing fees paid by the Lender or Provider may be included in your rate, points, or term. Although some state licensing laws treat fees paid in exchange for marketing lead generation services as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details.
CreditAny loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report as well as for other items. The Lender will determine the amount of any such fee(s) and should provide information to you regarding the refundability of any such fee(s).
Federal DisclosuresFederal Disclosures. Any request will be forwarded to Lenders, Brokers, Dealers, or Partners (depending on product selected) and these Partners may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs (GFE) on August 1, 2015 the GFE will be called the Integrated Loan Disclosure or Loan Estimate and will be delivered to you by the Lender you select to proceed with for your loan needs; HUD mandated booklets “Guide to Settlement Costs” and/or “When your Home is on the Line”; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law varies by Lender depending on its lending authority, but may include the Federal Trade Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC 20580 or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at www.ftc.gov.
TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR
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 GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT
SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING
ACCOMMODATION 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:
QuickStart LLC is a Wyoming limited liability company with its corporate headquarters located at 3857 Birch St #25 Newport Beach CA 92660 . Any reference in these Licenses and Disclosures to “we” or “us” or similar words shall refer to WeGotYouLoans unless otherwise indicated, all such entities referred to as “WeGotYouLoans ”. Any reference in Licenses and Disclosures to “you” or “your” means the person(s) using theWeGotYouLoans Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of WeGotYouLoans offered through alternative methods.WeGotYouLoans is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation.WeGotYouLoans DOES NOT take mortgage applications, originate, service, make loans or credit decisions in connection with loans, nor doesWeGotYouLoans issue commitments or lock-in agreements.WeGotYouLoans services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, notWeGotYouLoans , will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee.WeGotYouLoans does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state,WeGotYouLoans is not an agent of you or any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender that best suits your personal financial requirements. The Lender is solely responsible for its services to you, and you agree that WeGotYouLoans shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such services. You understand that Lenders may keep your loan request information and any other information provided by WeGotYouLoans or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. In addition,WeGotYouLoans may receive personally identifiable information regarding the disposition of your loan from the Lender in order to fulfill its regulatory requirements as well as for internal business purposes. You agree to notify any particular Lender directly if you no longer want to receive communications.
This brochure contains some common terms and definitions, which are intended to help you better understand your credit transaction. Credit costs money, so it is important that you fully understand the terms of your credit transaction. If you come across terms you do not understand, look up the terms or ask our personnel to explain the terms to you. Ask questions. Make certain the questions that you ask are answered. Make certain you understand the terms and costs of your loan.
Equal Credit Opportunity Act (ECOA): A federal regulation which requires lenders to promote the availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); to whether all or part of the applicant’s income derives from a public assistance program; or to whether the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The regulation prohibits creditor practices that discriminate on the basis of any of these factors.
Contract: A written binding document, describing terms of an agreement between two or more persons. (Keep all paperwork. Later, if there are any questions, you will have your agreement in writing.)
Annual Percentage Rate (APR): The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges. The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). It is intended to provide a single value for a consumer to compare the cost of credit between one lender and another. Under New Mexico law, an additional type of annual percentage rate (“NM-APR”) must be disclosed, which may include additional charges that are not included in the TIL-APR. The NM-APR for a loan of more than $500 and up to $10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not exceed five percent of the total principal of the loan and shall not be imposed on any borrower more than once per twelve-month period.
Finance Charge: The dollar amount the credit will cost you. Finance charges include interest and may also include transaction fees and service fees.
Principal: The amount of money owed on a debt, on which interest is calculated.
Interest: The cost of borrowing money, generally a percentage of the amount owed.
Balance: The total amount of money owed to a lender.
Default: Failure to pay a debt as agreed to on a contract. When a loan is in default, the lender may demand full payment of the remaining debt.
Collateral: Security pledged by a borrower to protect the interests of the lender; in case of default, the lender may take ownership of the security, if any, pledged by the borrower.
Credit Bureau: A private company that keeps a record of your credit history for distribution upon request by authorized parties. When you apply for credit, a lender may request a credit report to review when considering your application.
Credit History: A record containing information about you, including your payment history on previous debts.
Credit Report: A report of the credit history and other information about you that is kept by credit bureaus, which may include: your name, address, social security number, payment history (good and bad), current and previous debts, employers, income, etc. Accurate information on a credit report may not be legally removed. Incorrect information may be removed by disputing the information to the credit bureau involved.
BELOW IS GENERAL INFORMATION REGARDING ALL RATES AND FEES THAT WILL ASSIST YOU IN MAKING YOUR LOAN DECISION. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.
The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges.
Your actual terms and the APR will be determined at the time your application is submitted and will be based upon your application and credit information. Not all applicants will qualify for the lowest rate.
WeGotYouLoans does not make mortgage loans or commitments; cannot guarantee acceptance into any particular loan program, nor promise any specific loan terms or conditions; is paid by the Lender for its services; and does not charge you any fee for its services. Certain mortgage loan products impose a prepayment penalty on the borrower and the amount of, or the formula for calculating, the prepayment penalty, if any, and the terms of the prepayment penalty, if any, will be disclosed to the borrower by the Lender as soon as they are known, but no later than the issuance of the commitment (if any), for the loan product chosen by borrower.
You understand that you may address questions or comments about your loan request by calling 800-557-5192, or by email to WeGotYouLoans.CustomerCare@wegotyoloans.com.
WeGotYouLoans LLC Main Office · 3856 Birch St · Newport Beach, CA 92660
WeGotYouLoans is required by Oklahoma law to provide the information statement below before the execution of a contract or before the receipt of any money or other valuable consideration, whichever occurs first.
You have the right to review any file maintained by any consumer credit reporting agency, as provided under the Federal Fair Credit Reporting Act, 15 U.S.C. §§ 1681 through 1681x.
You have the right to review the above-mentioned file at no charge if a request is made to the consumer credit reporting agency within thirty (30) days after receiving notice that credit has been denied. If credit was not denied, the credit reporting agency may charge a reasonable fee to review such file.
You have the right to dispute the completeness or accuracy of any item contained in your file which is maintained by a consumer credit reporting agency.
The following paragraphs describe WeGotYouLoans fees and services:
a. WeGotYouLoans is a marketing lead generator, required to be licensed as a Mortgage Broker.WeGotYouLoans does not take applications, make loans or credit decisions in connection with loans, nor doesWeGotYouLoans issue commitments or lock-in agreements.WeGotYouLoans services are only administrative. Any loan inquiry you submit is NOT an application for credit rather it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, notWeGotYouLoans, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee.WeGotYouLoans does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Website),WeGotYouLoans is not an agent of you or any Lender.WeGotYouLoans's services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that WeGotYouLoans shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided to WeGotYouLoans or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications.WeGotYouLoans will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.
b. WeGotYouLoans does not charge you, the consumer, a fee to use our services.WeGotYouLoans is paid by its participating Lenders for the goods, facilities and services provided.
c. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid.
d.WeGotYouLoans does not endorse, recommend, or favor the products of any participating Lender.WeGotYouLoans is not an agent of you or any participating Lender.WeGotYouLoans services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use WeGotYouLoans to commence the financing process, and WeGotYouLoans, does not guarantee that completing a loan request will result in your receiving a loan from our participating Lenders.
e. You have the right to proceed against the bond that WeGotYouLoans is required to maintain. The name and address of the surety bond company that issued the bond is Marsh USA Inc., 1111 Northshore Dr., Ste. N-550, Knoxville, TN 37919.
Your submission of a loan request will serve as acknowledgement of your receipt of the above Information Statement.
WeGotYouLoans will provide you with affiliates conditional loan offers through its network of U.S. based Banks, thrifts, mortgage bankers and finance companies ("Lenders"). WeGotYouLoans is a marketing agency and does not take applications, make loans or credit decisions in connection with loans, nor doesWeGotYouLoans issue commitments or lock-in agreements.WeGotYouLoans services are only administrative. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from these Lenders.
WeGotYouLoans will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning personal loans including glossaries, articles, and calculators; and (4) provide you with the initial loan offers from Lenders responding to your loan request. Note: Initial loan offers are provided only when you complete a traditional (full-form) WeGotYouLoans loan request.
We will be acting as follows: We will submit your loan request to a participating Lender which we may from time to time contract upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various Lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market.
WeGotYouLoans is a Marketing Lead Generator - consulting, with its main office located at 3857 Birch St #25 Newport Beach CA 92660 . Reserved. This site is directed at, and made available to, persons in the continental U.S.
