Money Economics
P.O. Box 587
Alameda, CA 94501
Email: customercare@moneyeconomics.com

What is Money Economics?

Money Economics is an online magazine as well as an electronic loan request aggregator. Money Economics is not a lender, auto financier or credit card issuer, nor are we insurance brokers. Money Economics does not make loans or credit decisions in connection with loans, nor does Money Economics issue commitments or lock-in agreements. Money Economics is not an agent of you, the consumer, or any participating bank, lender or loan broker (all of these hereinafter referred to as "Lenders"). Money Economics ' services are administrative and consultative only. Consumers, Brokers and Lenders should rely on their own judgment in deciding which available loan product best suits their needs and financial means. Consumers are not charged a fee to use Money Economics services and are under no obligation to use Money Economics to commence the financing process and Money Economics does not guarantee that completing a loan quote request will result in your receiving a loan from a Lender. Money Economics receives its compensation from the Lenders for the goods, facilities and services actually provided by Money Economics.

The loan quote request a consumer submits is NOT an application for credit. Rather, it is a request for a loan quotation. Money Economics does not request, obtain or review consumer credit history reports as part of our services.

Not a lender. Money Economics is not a lender and does not make loans. Loans are made only by participating lenders who are solely responsible for all aspects of their products and services. Money Economics does not make any guarantees or representations about the products or services offered by its network of participating lenders.

No obligation. You are under no obligation to use Money Economics to apply for your loan, even if you use it to research loan products from participating lenders.

No guarantee. When using Money Economics, there is no guarantee that you will be able to close a loan from any of the network of participating lenders. Each lender has its own standards for loan approval. Rates quoted are not locked until a separate agreement is made with the lender. Other lender costs are estimates; the actual cost may vary.

No direct fees. Money Economics does not charge direct fees to you, the borrower. The payment will be based on the services Money Economics provides to your lender.

Federal Disclosures
Your lender will make certain disclosures to you when you complete your loan application with them. These disclosures are required by the Truth-in-Lending Act and the Real Estate Settlement Procedures Act (RESPA) and include:

• Credit cost disclosures.
• Good faith estimate of settlement costs.
• The HUD booklet, “Buying Your Home: Settlement Costs and Helpful Information.”
• Disclosures about the possibility that your mortgage loan servicing may be transferred.
• Disclosures about your right to a copy of the appraisal of your home.
• Disclosures about how your loan will be serviced.