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UA-104113575-1
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The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname if you have made or complete this application in person.
Your Consent To Do Business Electronically (the eDisclosure Agreement)
The loan for which you are applying involves various disclosures, records, and documents ("Loan
Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to
obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper
form. With Your consent, You will also be able to sign and authorize these Loan Documents
electronically, rather than on paper.
Before We can engage in this transaction electronically, it is important that You understand Your rights
and responsibilities. Please read the following and affirm Your consent to conduct business with Us
electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents
related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s)
under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the
applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting
business for such loan(s).
YOUR CONSENT
Your consent to participate in this transaction electronically will apply to all Loan Documents for the
applicable loans for which You are applying. If You provide Your consent by clicking the "I agree"
button at the bottom of the page, We will conduct this transaction electronically, instead of providing
You with the Loan Documents in paper form.
If a document related to Your loan is not available in electronic form, a paper copy will be provided
to You free of charge.
Conducting this transaction electronically is an option. If You choose not to accept receipt of
eDisclosures, paper Loan Documents will be mailed to You.
If You do not consent to receive these Loan Documents electronically, You will be provided with
copies of the Loan Documents in paper form. Additionally:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
WITHDRAWAL OF CONSENT
You have the right to withdraw Your consent at any time. By declining or revoking Your consent to
receive eDisclosures, We will provide You with the Loan Documents in paper form.
If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You
can do so by clicking on the "I do not agree" button, or by notifying Us at:
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821
If You originally consent to receive eDisclosures, but later withdraw Your consent:
You will not be required to pay a fee for withdrawing consent and receiving paper copies of the
Loan Documents.
OBTAINING PAPER COPIES
After Your consent is given, You may request from Us paper copies of Your Loan Documents.
Please send this request to Us at:
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821
If You request paper copies of the Loan Documents:
You will not be required to pay a fee for receiving paper copies of the Loan Documents.
SYSTEM REQUIREMENTS
In order to receive eDisclosures, You must have a computer with Internet access and an Internet
email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat
7.0 or higher, SSL encryption and access to a printer or the ability to download information in order
to keep copies of Your eDisclosures for Your records.
If the software or hardware requirements change in the future, and You are unable to continue
receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You
notify Us that You are no longer able to access the eDisclosures because of the changed
requirements. We will use commercially reasonable efforts to notify You before such requirements
change. If You choose to withdraw Your consent upon notification of the change, You will be able
to do so without penalty.
HOW WE CAN REACH YOU
You must promptly notify Us if there is a change in Your email address or in other information
needed to contact You electronically. You can contact Us at:
Phone: 714-831-4000
Address: 10 Pointe Drive Suite 330,Brea,CA 92821
We will not assume liability for non-receipt of notification of the availability of eDisclosures in the
event Your email address on file is invalid; Your email or Internet service provider filters the
notification as "spam" or "junk mail"; there is a malfunction in Your computer, browser, Internet
service and/or software; or for other reasons beyond Our control.
Please click the "I agree" button at the bottom of the page to consent to do business electronically and
to view Loan Documents electronically.
You've finished all that there is to do for the moment
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Your entire Loan Application at your fingertips
This is the information we will use to complete your loan
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Follow these simple instructions to eSign your Disclosures
Hint - the tab button navigates you to the next signature line
You're on a roll, now lets kick it into high gear
Please review, upload & eVerify your requested documents
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Smart Move
eVerify in just a few simple steps
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All your documents in one place
Organized and easy to find
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Congratulations! You've finished eSigning your Disclosures
Complete these 3 Simple Steps to order your Appraisal
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our eConsent Settings are below
eConsent enables you to electronically sign your documents
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Here's a top level view of all your loans
You can also add a new one if you'd like
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eConsent Terms
Providing eConsent will allow us to send you documents electronically
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Manage how you sign in to your account
You can always change these preferences later if you'd like
These documents are ready for your viewing pleasure
Take a look to see them in all of their glory
You're on the fast track to get your new loan.
We just need a little info from you
We're about to give your home a mortgage makeover
We just need to know where it's at (figuratively & literally)
We're about to give your home a mortgage makeover
We're about to give your home a mortgage makeover
You're halfway to the finish line
What does your employment look like?
You're halfway to the finish line
What does your other income look like?
It looks like free credit scores are on the menu
You're almost there, we just need to know what kind of Assets you have
You're nearly to the finish line
We just have a few questions the government requires us to ask
You're nearly to the finish line
We just have a few questions the government requires us to ask
You're minutes away from your 3 FREE Credit Scores
Just confirm we have all the right information.
You're minutes away from your 3 FREE Credit Scores
We're waiting to receive your credit report
Please hang tight for just a few more moments to view your credit scores
You're minutes away from your 3 FREE Credit Scores
With these last tidbits of info we'll be on our way.
You're minutes away from your 3 FREE Credit Scores
You can do this by either creating a new account or signing in
You're minutes away from your 3 FREE Credit Scores
We just need to know which mortgages belong to the subject property
You're minutes away from your 3 FREE Credit Scores
Congratulations, you finished your Loan Application like a Boss
As promised, your free credit scores are below
Your progress will be saved
Enter a password for safe keeping
Your loan has been saved
We have locked it in our vault for safe keeping
Congratulations! You've finished eSigning your Disclosures
Complete these 3 Simple Steps to order your Appraisal
Let's Get Started
tell us what kind of Loan you'd like
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