Mortgage Broker Fee Guarantee

Notice to Prospective Borrower(s):   This document does not obligate you to obtain a mortgage loan through this mortgage broker nor does it
constitute mortgage loan approval or rate guarantee. It is designed to empower you to have the best possible loan experience.

This agreement is between:
Name(s) of borrower(s):_____________________________________________________ , the Borrower(s)" or "you"
    And                
Name of mortgage Broker:___Brian Lawrence__ A California, Licensed Mortgage Broker #01494495 located at
Address of mortgage company: ________________________________________________.   In this agreement, the mortgage broker is
called "I" and the entity which will provide your mortgage loan funds is called "lender!'

Who do I Represent?
You: I represent you. I am your agent and I will work to get you the most favorable mortgage loan that meets your stated objectives. I will shop
for your loan from among all appropriate lenders I am approved with. I will charge you a fee for my services that I will disclose to you up front,
but I will not receive any additional fee of any kind in association with your loan.

The Lender: I am morally and contractually obligated to supply the lender with accurate and truthful information about my client and the
transaction.

What will I be paid?
For arranging your loan of up to $______________ I will receive no greater than______ points and other compensation of $___________for
____________ so that my total compensation will be no greater than:_______________________.

Please note that my total compensation could be made of points paid by you or rebate points paid by the lender which ever you choose.

How will I handle rate locks?
I will disclose to you my wholesale rate and costs when you choose to lock your loan and I will provide you with a copy of the executed lock
request when it is confirmed.

How will I accurately disclose the terms of your loan options so you can properly evaluate your options?

I will issue you all the usual State and Federal disclosures, including an APR disclosure. However I will also, at your request  include the
more accurate A-APR disclosure that includes ALL fees charged to you in association with your loan not just the ones that HUD requires in
the APR.  Also if you choose I will disclose your TA-APR which includes ALL fees and the amount of TIME you plan to keep the loan.



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         Mortgage Broker Signature & Date

    
Mortgage Broker Fee Gurantee
by Brian Lawrence