It's required that mortgage lenders provide you with a Truth in Lending (TIL) Statement containing information on your loan’s annual percentage rate, finance charges, the amount financed, and the total payments required.
The TIL Statement may also contain information on security interest, late fees, prepayment provisions, and if the mortgage is assumable. If you have an adjustable rate loan, the statement may outline the limits on the adjustments, annual and lifetime caps, and give an example of what your next year’s payment may be depending on interest rates. For adjustable rate loans the total payments figure is estimated as a worst-case scenario. The figure reflects the payments you would make if your loan adjusted upward to the maximum rate allowed by annual and lifetime caps, and then stayed at that rate for the loan duration.
We've been helping customers afford the home of their dreams for over 20+ years and we love what we do.
Company NMLS: #2038063
MA - Mortgage Broker lic #MB2038063
RI - Loan Broker lic #20214228LB
ME - Loan Broker lic #2038063
FL - Mortgage Broker lic #MBR6561
MI - 1st Mortgage Broker lic #FL0025448
TX - SML Mortgage Company lic #2038063
First Class Mortgage Company NMLS # 2038063 strives to ensure that its services are accessible to people with disabilities. First Class Mortgage Company NMLS # 2038063 has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
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First Class Mortgage Company NMLS # 2038063 continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
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