Mortgageonly.org is affiliated with zagroz.com which is a private internet service company based in San Diego, California. Mortgageonly.org is computerized loan originator and its not a lender and/or mortgage broker. Mortgageonly.org does not make loans or credit decisions in connection with loans. Mortgageonly.org is not an agent of either you, the consumer or any participating lenders and/or brokers. Mortgageonly.org services are consultative and administrative only. You should make your own judgment in deciding which loan program best suits your needs and financial means. You are under no obligation to use mortgageonly.org to commence the financing process and mortgageonly.org does not guarantee that completing a loan request will result in your receiving a loan from our participating lenders and/or brokers. The loan request you submit is not an application. Rather, it is a request for a loan pre qualification. You may have to complete an application with a Lender and/or broker before they will extend an unconditional loan offer. A Lender/broker you select may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender/broker will determine the amount of any such fees, and should provide information to you regarding the refundability of any such fees. Mortgageonly.org does not charge you the consumer, any fees for its services. Mortgageonly.org receives its compensation from the leadpoint.com for the goods, facilities and services actually provided by Mortgageonly.org.

Federal Disclosures
Your loan request will be forwarded to leadpoint.com via SecuredRight Inc. Leadpoint.com will give your loan application to the lenders and/or brokers. If one of the Lenders and/or brokers is unable to make an offer, Leadpoint.com may give your information to additional Lenders and/or brokers until such time as you have received loan offers (Leadpoint.com decides the total of lenders and/or brokers), and these Lenders and/or brokers 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; check HUD website for more and updated information, 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 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 federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580

Duties and Nature of Relationship
You, the applicant(s), have requested assistance in obtaining a residential mortgage loan. We will submit your loan request to leadpoint.com via SecuredRight Inc. Leadpint.com will give your request to a participating Lenders and/or brokers. Mortgageonly.org does not contact you in regard of your loan. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent nor as lenders and/or brokers agent. While we will seek to assist you in meeting your financial needs, mortgageonly.org does not pick a lender for you. In contrast, lenders and/or brokers will make offer on your application. Therefore, mortgageonly.org does not guarantee any rate and term. Any offer and/or promise will be between you (the applicant) and the lenders and/or brokers.