Legal information and resources

Key Points

Your information is kept private.

The online applications are secure.

Your application will be sent to up to 4 Lenders and/or Brokers that offer the type of loan that you need.

Apply to Refinance does not offer or fund any loans.

We do an extensive background check on all of the Lenders and Brokers in the Apply2Refi Lender Network.

We do not guarantee, nor do we endorse any offers, promises, or guarantees made by any company in our network.

Privacy Policy

For full details visit our Privacy Policy

Legal

Your online loan request will be forwarded to Lenders and/or Brokers in the Apply2Refi Lender Network (up to four Lenders and/or Brokers), and these Lenders and/or Brokers may make certain disclosures to you.

These upfront disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details on all of your costs and fees incurred in funding your loan, along with an itemization of the components that make up your specific loan.

Since Apply to Refinance is neither a lender, nor a broker, any offers provided to you from the companies in the Apply2Refi Lender Network have no reflection on Apply to Refinance.

We do not fund loans, nor do we offer them. We do not guarantee any offers from the companies in our network.

Once you apply online and your information is received by up to 4 Lenders and/or Brokers, the process of designing, qualifying, and funding of your loan is between you and that company.

Apply to Refinance can not be held liable for any quotes, guarantees, or promises made by another company.

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Find information on your rights as a consumer or discover Federal Regulations

Consumer Credit Information

Equal Credit Opportunity Act

Home Mortgage Disclosure Act

Truth in Lending Act

All Regulations listed here