Important Disclosures

Please note that ForTheBestRate.com is not a lender, broker, or bank and does not offer mortgage loans of any kind. The site offers a platform for people researching mortgage rates, insurance information, other financial related products and programs. ForTheBestRate.com is not responsible for the the rates, APRs, product offerings, or the performance of the companies listed on this web site.

Premier Lender Quote/Payment Assumptions

The following applies only to the Lender Rate Listings (rate table listings). Click here for the criteria and information on the general rate table listings collected and fed by Bankrate.com.

The posted rates were submitted by each mortgage company on the date listed, and are subject to change at any time. Mortgage rates can vary based on several criteria including, but not limited to, the credit worthiness of the consumer, loan-to-value, the type of property in question, the occupancy type, and loan amount. Pricing in this survey is based on a purchase or rate & term refinance (no cash out or debt consolidation); single family, detached, stick built, primary residence; 700+ credit score for all borrowers; loan to value ratio of 70%, loan amount of $165,000 – $417,000 (payment based on $200,000 loan amount.) For a rate quote on a custom scenario please call 800-251-4999.

The rates advertised are not an offer or commitment to lend. Loan qualification, approval, and the rate and terms you will qualify for will vary based on your specific loan scenario and credit profile. Some applicants will not qualify for any home loan program. Not all programs are available in all states. Your loan application will be submitted to, underwritten by, and all credit decisions will be made by the lender or broker you choose to work with. CMG Equities, LLC and its network of mortgage research websites will not play any role in the application process or have any input in the credit decision.

CMG Equities, LLC takes accuracy of advertising very seriously. If you feel that a mortgage lender or broker has posted inaccurate pricing, and you believe your scenario qualifies based on the criteria outlined on this page, please let us know at contact.ftbr@forthebestrate.com or 910-547-6910.

Pricing Criteria By Loan Program:

Fixed Rate Mortgages:
Criteria for fixed rate purchase and rate & term refinance loans are based on, but not limited to:
Single family, detached, stick built, primary residence;
700+ credit scores for all borrowers;
Loan to value ratio of 80% (20% equity or down payment);
Loan amount of $165,000 – $417,000 (payment based on $200,000 loan amount.)
Availability of rate and terms will vary based on the specific loan scenario and credit profile of the borrower.

Estimated Payment is based on principal and interest only. Actual monthly obligation will be higher due to the addition of taxes and insurance costs.

Sample scenarios (Not Available Loans) –
30 Year Fixed Rate Mortgage – The payment on a $200,000 30 year fixed rate mortgage at 4.50% and 80% loan to value is $1013.37.
20 Year Fixed Rate Mortgage – The payment on a $200,000 20 year fixed rate mortgage at 4.25% and 80% loan to value is $1238.47.
15 Year Fixed Rate Mortgage – The payment on a $200,000 15 year fixed rate mortgage at 4.00% and 80% loan to value is $1479.38.
10 Year Fixed Rate Mortgage – The payment on a $200,000 10 year fixed rate mortgage at 3.75% and 80% loan to value is $2001.22.

FHA Loans:
Criteria for purchase and rate & term refinance FHA loans are based on, but not limited to:
Single family, detached, stick built, primary residence;
660+ credit scores for all borrowers;
Loan to value ratio of 97.75% (3.5% equity or down payment);
Loan amount of $165,000 – $417,000 (payment based on $200,000 loan amount.)
Availability of rate and terms will vary based on the specific loan scenario and credit profile of the borrower.

Estimated Payment is based on principal and interest only. Actual monthly obligation will be higher due to the addition of taxes and insurance costs. For FHA loans with higher loan to value a monthly mortgage insurance premium will also be required.

Sample scenarios (Not available loans.) –
30 Year FHA Loan – The payment on a $200,000 30 year FHA loan at 4.25% and 97.75% loan to value is $983.88.

Custom scenarios include, but are not limited to, jumbo mortgages for loans exceeding conforming loan limits, second home and investment property loans, VA loans, USDA Rural Housing Loans, mortgages with a loan to value exceeding those listed above, cash out and debt consolidation refinances, and loans for borrowers with credit scores below those listed above. Not every applicant will be approved for a mortgage loan.

Additional Disclosures:

ForTheBestRate.com and it’s team members are not financial, real estate, mortgage, or tax advisors and the information contained in this site only expresses the various writers’ personal opinions. We recommend that you speak with licensed professionals in your area before making any financial decisions.

Privacy Information

Adwords, Adsense and Other Advertising

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at nat.criss [at] marketingilm [dot] com

At www.forthebestrate.com (and other CMG Equities, LLC websites), the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by CMG Equities, LLCand how it is used.

Log Files
Like many other Web sites, www.forthebestrate.com makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
www.forthebestrate.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.

DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on www.forthebestrate.com.
.:: Google’s use of the DART cookie enables it to serve ads to users based on their visit to www.forthebestrate.com and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ….
Google Adsense, Google Adwords, Bing Ads

These third-party ad servers or ad networks use technology to the advertisements and links that appear on forthebestrate.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.

forthebestrate.com has no access to or control over these cookies that are used by third-party advertisers.

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Email Marketing

If you sign up to receive email updates from ForTheBestRate we will collect your email address and send you only the information requested. You can unsubscribe at any time using the link in the email or by contacting us at ftbrchanges [at] gmail [dot] com.

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Any changes to this privacy policy with be posted here. Last updated: August 6th, 2013

For more information, or if you have any questions or concerns, please contact us via email at ftbrchanges [at] gmail [dot] com. or by mail at:
ForTheBestRate
505 S 4th St
Wilmington, NC 28401

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.forthebestrate.com’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.