Legal Disclosures

Standard Mortgage Capital, LLC dba House of Mortgage · NMLS #1604663

Equal Housing Lender

House of Mortgage is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Rate, APR, and Payment Disclosures

Information on this website is not an offer to enter into an agreement, an offer to extend credit, or a commitment to lend. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All loan programs, products, rates, terms, and conditions are subject to change without notice and subject to credit and property approval and applicable program guidelines. Other restrictions and limitations may apply.

Rate, APR, and payment examples on this website reflect a single sample purchase scenario: a borrower with a 760 credit score purchasing a single-family, 1-unit primary residence in Broward County, FL (zip 33021) for $500,000 with a $450,000 loan amount (90% LTV), 2 months of reserves, and a 30-day rate lock, priced closest to par (or with minimal discount points) for the best available price on each program. Estimated payments include principal and interest only; taxes, homeowners insurance, mortgage insurance, HOA dues, and other escrows are excluded, and the actual payment obligation will be greater. Rates may change without notice. Your actual rate, payment, and terms depend on your individual loan scenario and are not a commitment to lend.

The Annual Percentage Rate (APR) reflects the cost of credit as a yearly rate and includes certain fees and costs in addition to interest. The APR shown may not reflect all fees applicable to your transaction. Discount points shown are paid at closing to reduce the interest rate and are expressed as a percentage of the loan amount.

"No Junk Fees"

"No junk fees" means no separate application, administrative, or processing fees charged by House of Mortgage; one transparent underwriting/origination fee applies. Other lender fees, third-party fees (appraisal, title, recording), prepaid items, and program-specific charges may apply and will be itemized on your Loan Estimate.

Down Payment and Program Examples

Down payment examples (as little as 3% conventional, 3.5% FHA, $0 down VA, up to 100% financing USDA) are available only to qualifying borrowers of eligible programs. Eligibility, rates, APRs, and repayment terms vary by credit profile, loan-to-value, and program guidelines. Mortgage insurance may be required on loans with less than 20% down. VA loans are available to eligible veterans, active-duty service members, and surviving spouses and may require a VA funding fee. USDA loans are subject to property and income eligibility. Not a commitment to lend.

Refinance Disclosures

Refinancing costs may apply. Any savings depend on your current loan, new loan terms, and how long you keep the loan. By refinancing an existing loan, total finance charges may be higher over the life of the loan. Average refinance savings figures shown on this website are aggregate averages; closing costs may apply and individual results vary.

Calculator Disclosures

Mortgage calculator results are estimates only and do not constitute a rate quote, an APR, a loan offer, or a rate lock. Taxes, insurance, HOA dues, and mortgage insurance used in calculator estimates are user-adjustable assumptions; actual amounts vary by property, location, and program.

Closing Timeline

Closing timelines vary by loan and transaction. Stated target timelines are goals, not guarantees, and depend on factors including timely delivery of documentation, appraisal turn times, title and settlement coordination, and third-party and seller timelines.

Testimonials

The experiences of individual clients may not be representative of the experiences of all clients. Savings are not guaranteed and will vary based on your unique situation and other factors.

Texas Consumer Complaint & Recovery Fund Notice

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.

New York State Disclosure

This website is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.

Physical Branch Locations

House of Mortgage does not have a physical branch in every licensed state. Please see our Licensing page for the states in which we are authorized to lend.

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