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4719 Viewridge Ave.
San Diego, CA 92123
This service is designed to provide the consumer leverage in regard to having the opportunity to choose from multiple low rate offers provided by multiple competing, top, direct lenders. When lenders know they are competing to earn your business, they are naturally inclined to provide their lowest/best mortgage rates up-front thus shifting the important balance of power from lender to consumer. This is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender; but rather intended to provide you an opportunity to engage multiple lenders simultaneously thus applying pressure for them to outmatch one another on your behalf. If you are contacted by a lender or broker currently advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. Services may not be available in all states.
The services provided by Rate-Watch.org are free of charge.
There are no costs associated with shopping for loan offers, submitting loan offer requests, or getting matched with lenders to receive conditional loan offers through the Rate-Watch portal. You may review all conditional loan offers free of charge as well as speak to the lenders at no cost. If after receiving your free offer you choose to work with a lender from the Rate-Watch network, the lender you choose may require a fee to process your loan request. Be advised, you of course have the option to agree or not agree to pay the lender a fee and/or accept their services. You are under no obligation until/unless you agree to accept the services of the lender. The information you provide to us is not an application for a mortgage loan nor does it pre-qualify you with any lender. Rates are subject to change. Rate-Watch is not (nor does it act as) a lender or broker, but rather an effective and efficient lender matching service designed to connect those seeking mortgage refinance and/or purchase products with highly qualified and competitive lenders.
Information You Provide. We receive and store information you enter. For example, when you search for or buy a product or service, or when you supply information such as your address, phone number or credit card. You can choose not to provide certain information, but then you might not be able to take advantage of some of our features. We use the information that you provide for such purposes as responding to your requests, customizing future business for you, improving our website, and communicating with you. In addition, if you choose, we may share your information with other companies who provide goods or services that you are interested in. Please see the "opt-in/opt-out" selection in Section 4 of this policy.
Other Information: Every computer has an IP (Internet Protocol) address. IP addresses of computers used to visit this site are noted. In addition, we automatically collect other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site.
Information from Other Sources. We might receive information about you from other sources and add it to our account information. This may include updated delivery and address information from our shippers or other sources so that we can correct our records and deliver your next purchase or communication more easily.
Agents. We employ other companies and individuals to perform functions on our behalf. Examples include delivering packages, sending postal mail and e-mail, and processing credit card payments. They have access to personal information needed to perform their functions, but may not use it for other purposes.
Special Offers. We may send you special offers from time to time, unless you choose to "opt-out" of receiving such offers. In addition, we may also send you special offers from other companies. Again, you may "opt-out". If we send you offers from other businesses, we do not share your personal information with them. The offers come directly through us. Please see the "opt-in/opt-out" selection at the end of this policy.
Business Transfers. As we continue to develop our business, we might sell or buy stores or assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that we are acquired, customer information will be one of the transferred assets.
Law Enforcement. If we receive a lawful court order to release account or other personal information then we will comply with the law. We will also release information when necessary to protect the life, safety or property of others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
We use encryption to protect your information contained in our customer list.
We use a firewall to protect against unlawful intrusion.
We limit access to your information on a "need to know" basis.
We reveal only the last five digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.
It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.
No system can guarantee absolute security, just as the finest lock can not guarantee physical security. However, we take every reasonable precaution to assure that your data is secure.
It is your choice whether to receive emails or special offers from us or others. The following section provides you with this choice. Please note the default settings.
Please send me email or other mail informing me of special offers of your products or services.
Please do not send me email or other mail informing me of special offers of your products or services.
Please send me email or other mail informing me of special offers of related products or services from other companies.
Please do not send me email or other mail informing me of special offers of related products or services from other companies.
We do not sell products or services to children. If you are under 18, you may use this site only with involvement of a parent or guardian.
15-year Fixed Rate Mortgage Rates as low as 2.875% (2.99% APR) – Disclosure as of March 1st, 2017
Loan Amount: $250,000
Fixed Interest Rate: 2.875%
Annual Percentage Rate: 2.99%
Monthly Payment: $1,711
The maximum periodic change in the interest rate is 2% with a maximum rate increase of 5.5% above the initial interest rate.
Rate-Watch is not acting as a lender or broker and does not make loans, loan commitments, or lock-rates. The information provided by you to Rate-Watch is not an application for a mortgage loan nor is it used to pre-qualify you with any lender. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and and/or other factors and criteria determined by the lenders to whom you are matched. Rate-Watch does not offer its matching services in all states. Not all consumers will qualify for the advertised rates, programs and terms. This sample disclosure is intended for informational purposes only and does not constitute legal advice.