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cheatgame.info Compare, Inc. Licenses and Disclosures

Last Updated 11/19/18

Licenses and Disclosures

cheatgame.info Compare, Inc. (“we” or “us”) is a Delaware corporation with its principal place of business located at 875 Stevenson Street, 5th Floor, San Francisco, California 94103. We provide information and tools related to loans and mortgages, and are currently accessible online at cheatgame.info and cheatgame.info/mortgages, and through our mobile app (the “Sites”). Home loan data, rates, and fees may be provided by third-party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®.

Please see Nerdwallet’s Terms of Use for additional information. Pursuant to the Terms of Use, by using this website and services, the disclosures and consent required under certain state laws are deemed to be provided, received, and agreed to.

STATE LICENSES

Alabama
Alabama Mortgage Brokers License #22499

Alaska
Alaska Mortgage Broker/Lender License #AK1617539

Arizona
Arizona Mortgage Broker License #0943917

Arkansas
Arkansas Mortgage Broker License #112682

California
California Bureau of Real Estate, License #02039086
1651 Exposition Blvd., Sacramento, California 95815. Call Center: 877-373-4542

Colorado
Colorado Mortgage Company Registration, NMLS ID #1617539, Ph: 415-549-8913, Regulated by the Colorado Division of Real Estate

Connecticut
Connecticut Lead Generator License #LG-1617539

Disclosure to Connecticut Customers:
LEAD GENERATOR ONLY, NOT ACTING IN THE CAPACITY OF A MORTGAGE LOAN ORIGINATOR, MORTGAGE BROKER, MORTGAGE CORRESPONDENT LENDER OR MORTGAGE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR RESIDENTIAL MORTGAGE LOAN INQUIRY.

Delaware
Delaware Broker License #024882

Florida
Florida Mortgage Broker License #MBR2372

cheatgame.info Compare, Inc. does not originate mortgage loans or commitments. cheatgame.info Compare, Inc. does not guarantee acceptance into any particular loan program by any participating lender, or promise any specific loan terms or conditions. If you apply for a loan request with our participating lenders, you may receive from such lenders a Loan Estimate of the credit report fee, property appraisal fee, or any other third-party fees required in connection with your loan. The documentation you receive will include the terms and conditions for obtaining a refund for said fees.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM NERDWALLET COMPARE, INC. OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY NERDWALLET COMPARE, INC. HOWEVER, NERDWALLET COMPARE, INC. RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

Georgia
Georgia Mortgage Broker/Processor License/Registration #59828

Indiana
Indiana SOS Loan Broker License #1617539

Iowa
Mortgage Broker License #2017-0104

Louisiana
Louisiana Residential Mortgage Lending License NMLS ID #1617539

Maine
Maine Loan Broker License #1617539

Maine law requires that the disclosures below be provided to consumers before any is signed with, and before any money is paid to, a credit services organization or third parties.

Written Agreement or Contract
Please print out this information and save it for your records. You consent, acknowledge and agree that you have read and received a copy of this Disclosure to Consumer.

cheatgame.info Compare, Inc. will not act as your lender or credit provider. cheatgame.info Compare, Inc. provides your loan request to our lenders and our lenders will you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

cheatgame.info Compare, Inc. provides mortgage information at no cost to you. cheatgame.info Compare, Inc. will not charge or seek fees of any kind from you. cheatgame.info Compare, Inc. receives fees from lenders and may be paid by the lender based on services, goods or facilities performed or provided by us to the Lender.

This agreement remains in effect only as long as you seek to use the services offered by cheatgame.info Compare, Inc. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.

Escrowing of Consumer Funds
cheatgame.info Compare, Inc. does not accept any fees from the consumer, including third-party fees.

Consumer Protection Bond
A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035.

Michigan
Michigan 1st Mortgage Broker License No. FL0021059
Michigan 2nd Mortgage Broker License No. SR0021060

Minnesota
Minnesota Residential Mortgage Originator License No. MN-MO-1617539

NERDWALLET COMPARE, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE NERDWALLET COMPARE, INC. WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS IN THE MARKET.

The information on this Site may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.

Mississippi
Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker License #1617539

As a borrower you are protected under the Mississippi Mortgage Consumer Protection Act.
Complaints against a licensee may be made by ing the:

Mississippi Department of Banking and Consumer Finance
PO Box 23729
Jackson, MS 39225-3729

Montana
Montana Mortgage Broker License #1617539

Nebraska
Nebraska Mortgage Broker License #1617539

New Hampshire
New Hampshire Mortgage Broker License #22314-MBR. Licensed by New Hampshire Banking Department.

New Mexico
New Mexico Mortgage Loan Company License

North Carolina
North Carolina Mortgage Broker License #B-179665

cheatgame.info Compare, Inc. does not make mortgage loans or commitments; cheatgame.info Compare, Inc. cannot guarantee acceptance into any particular loan program by any lender or specific loan terms or conditions. You may be required by the lender to pay an application fee to cover costs of an appraisal, credit report, or other items. The lender determines the amount of the fee.

Oklahoma
Oklahoma Mortgage Broker License #MB011455

Oregon
Oregon Mortgage Lending License #ML-5600

Oregon Consumer Finance License #0462-001-C

cheatgame.info Compare, Inc. is subject to the regulations and oversight of the Division of Financial Regulation of the Department of Consumer Business Services. Consumers’ inquiries or complaints may be made by calling 866-814-9710.

Pennsylvania
Pennsylvania Mortgage Broker License #64516

Rhode Island
Rhode Island Loan Broker License #20173515LB

South Dakota
South Dakota Foreign Corporation Entity #FB133700
South Dakota Mortgage Brokerage License #MB.00051

Texas
Texas Regulated Lender License #160370
Texas SML Mortgage Company License #1617539; cheatgame.info Compare, Inc., 805 Country Club Drive, Heath, Texas 75032

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.

Vermont
Vermont Mortgage Broker License #1404 MB
Vermont Loan Solicitation License #LSO-1617539

Disclosure to Vermont Customers:

THIS IS A LOAN SOLICITATION ONLY. NERDWALLET COMPARE, INC. IS NOT A LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

cheatgame.info Compare, Inc. does not take loan or mortgage applications or make credit decisions. Rather, we display rates from lenders that are licensed or otherwise authorized to work in Vermont. We forward your information to a lender you wish to so that they may you directly.

Washington
Washington Mortgage Broker License # MB-1617539

cheatgame.info Compare, Inc. does not charge you a fee for services. The use of cheatgame.info Compare, Inc.’s computerized loan comparison services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on cheatgame.info Compare, Inc.’s lead generation system, and different terms and conditions, including lower rates, may be made available from others not listed in the system.

If your loan request is forwarded to one or more participating lenders, you may receive from those lenders a good faith estimate of the settlement costs and fees as required under Washington state law and a Loan Estimate form as required by the TILA-RESPA Integrated Disclosure Act.

The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement has been made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, if any, will be set by the lender. cheatgame.info Compare, Inc. does not offer interest rate lock-in agreements and does not guarantee any interest rate quoted by a lender.

cheatgame.info Compare, Inc. will not collect any fees from you in connection with your loan request. All fees will be collected by and are payable to the lender. If the lender is licensed under the Washington Broker Practices Act, any fees paid by you for third-party services (such as a credit report or appraisal) may be held in a trust account, and any such moneys remaining after the payment to third-party service providers will be refunded to you.

If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document, and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request. Under the Equal Credit Opportunity Act (ECOA), you are entitled to receive a copy of any appraisal you have paid for.

Washington enforces the prohibition of unfair practices with respect to credit transactions because of race, creed, color, national origin, sex, marital status, honorably discharged veteran or military status, sexual orientation, or the presence of any sensory, mental, or physical disability.

West Virginia
West Virginia Mortgage Broker License # MB-36126

Wisconsin
Wisconsin Consumer Act Registration, November 2018

Wyoming
Wyoming Mortgage Broker License #3063

cheatgame.info Compare, Inc. provides mortgage services at no cost to you. cheatgame.info Compare, Inc. will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by cheatgame.info Compare, Inc.; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship.

cheatgame.info Compare does not take mortgage applications, originate, service, or make credit decisions in connection with loans, nor does it issue commitments or lock-in agreements. cheatgame.info Compare, Inc. will forward the information you provide to participating lenders. The lender will then conduct a preliminary review to determine your loan qualifications based on its guidelines and will you regarding its loan products and offers. cheatgame.info Compare, Inc. does not distribute the products of all lenders in the market and does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

cheatgame.info Compare, Inc. is paid an advertising fee by lenders for the goods, facilities, and services provided by cheatgame.info Compare, Inc.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.