On the recordLicensing and disclosures.
Who you’re talking to, and the terms of the conversation.
Licenses
| Erik Miller, Mortgage Expert | NMLS #263103; Arizona Loan Originator License LO-0927960 |
|---|---|
| Albert Luc | NMLS #1474341, AZ LO-948147 |
| Patriot Home Mortgage | A dba of Belem Servicing LLC; Company NMLS #715386; Arizona Mortgage Banker License BK-976140; Branch License #0122719 |
| Phone | (623) 696-8683 |
Verify any license at NMLS Consumer Access.
Disclosures
- Education, not an offer. Nothing on this site is an offer to lend, a commitment, a pre-qualification or a loan approval. Rates, terms, payments, fees and eligibility are not shown and depend on your credit, income, the home’s appraised value, the lender and current market conditions. Not everyone will qualify.
- Your home is the collateral for a refinance, a home equity loan or a HELOC.
- Refinancing and cash-out refinancing involve closing costs and replace your current loan, rate and term. A longer term can mean more total interest paid.
- Home equity loans add a second monthly payment.
- HELOCs usually carry a variable rate, have a draw period followed by a repayment period, and payments can rise. Fees may apply.
- Mortgage insurance. Removing mortgage insurance depends on the new loan program and an appraisal. FHA mortgage insurance often lasts the life of the loan.
- Home values shown on letter pages are automated estimates from public records provided by ATTOM. They are not an appraisal and may differ from what a lender or appraiser determines.
- Illustrations on this site use example numbers or numbers you type. They are not your loan terms.
- Not affiliated with, or endorsed by, HUD, FHA, the VA or any government agency.
- The Porchlight Detail is an original creative theme for this site. Any resemblance to another program is unintended.
Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.