CRESTICO, INC. is an Equal Housing Opportunity Broker/Lender Licensed by California Bureau of Real Estate LIC.# 01861921 & NMLSR ID 275201 & Department of  California Business Over Sight License #603L103. This information is not intended to be a disclosure as defined by Federal Reserve REG Z RESPA, or any state law, regulation or statue. This information is not indented nor should be construed as an advertisement to promote consumer credit as defined by Title 12, Code of Federal Regulations Section 226.2. Rates and Program are subject to change without notice. Not everyone will qualify. This is not a commitment to lend. Some products may not be available in all states. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Our service is 100% completely free and there is no cost to submit a quote request, get matched with service providers, and receive mortgage offers. Of course, you will be responsible for paying any closing costs, loan processing fees, or other fees directly to the lender that you choose to close your loan with. The rate and payment referenced on our site or in any advertisement is for guidance and is based on available rates and terms from our lender network. The interest rate, APR, and terms that you are offered may vary based on your mortgage loan request and are determined by the lenders that you are matched with. There is a possibility that you may not be matched with the particular service provider that is making this example offer. Advertised rates are subject to change daily without notice.  LOAN COMPARISONS The loan comparisons above are presented as an estimate of possible mortgage scenarios and are for illustrative purposes only. Rates and pricing may differ according to loan amount. Monthly payments are principal and interest only and do not include taxes, insurance or any other fees that may apply, which will result in a higher actual payment. A monthly PMI payment may apply as well as an upfront funding fee. ASSUMPTION Rates and pricing may differ depending on actual loan amount, credit scores and property value. Property Tax, Home Owners Insurance, Title, Escrow and Additional Third Party Fee may apply.  For the following consumer segment: Loan Amount between $300 to $417K, 760+ FICO, LTV <=75%, SFR, Primary Home, Rates, points and APRs shown are for a 15-day lock, monthly escrowing of taxes & insurance & MIP if required. Rates and terms vary and are subject to change based on specific lender requirements and fluctuations in interest rate markets. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. All credit decisions will vary based upon your loan request and creditprofile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets. $175,000 for $701/month – Disclosure current as of September 15th, 2014.

•  The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $701 based upon a loan amount of $175,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$200,000 for $801/month – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $801 based upon a loan amount of $200,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.625 discount points (and $1,250 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$250,000 for $1001/month – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $1001 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.375 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

3.8% FIXED Rate (3.9 APR) – Disclosure current as of September 15th, 2014.

• The advertised rate is a 30 Year Fixed loan with a 30-year fully amortizing term.
• The Annual Percentage Rate (APR) is 3.9%
• The monthly payment is $1164 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 1.00 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% FIXED Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

• The advertised rate is a 15 Year Fixed loan with a 15-year fully amortizing term.
• The Annual Percentage Rate (APR) is 3.0%
• The monthly payment is $1690 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 1.00 discount points (and $937 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

• The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
• The initial interest rate 2.7% is fixed for 5 years
• The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
• Initial monthly payment is $1001 based upon a loan amount of $250,000
• Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
• The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
• Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Rates displayed on our network of websites are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Mortgage Loan Originators at (818) 784-2929 for a customized rate and payment quote.

It assures that you’ll always get the best rate available when you check our website direclty. Here’s how it works:

1. Perform an Mortgage Interest Rate check using any official CRESTICO channel (crestico.com, cresticofunding.com or call us directly)
2. If you find a lower interest rate for the same mortgage program based on information provided on a non-CRESTICO website, you may submit a Best Rate Guaranteed claim.
   1. Claim must include the following: Screen Shot of the rate displayed including URL and Date (We recommend you to print that page) from the non-CRESTICO website.
   2. Exact information provided to obtain that rate.
   3. email your claim to [email protected]
3. If we approve your claim, we will match the Interest Rate and cost OR offer $250 for your time and inconvenience. 

COOKIE DISCLOSURE STATEMENT
Cookies are a common type of technology used by most large websites.  The following is information that will help you understand the use of cookies.

What’s a cookie?
A cookie is a small file that is sent to your computer by a site’s server. A cookie can be a record of your visit to a site, including information such as your User Name, registration information, time of last visit, pages viewed, etc. A cookie created by one site’s servers can be retrieved only by that site’s servers. Thus, information in the CRESTICO cookies is not accessible to other sites. This type of cookie is called a “first party” cookie.

There is another type of cookie called a “third party” cookie. If you are using website A, and website A uses the services of website B, and if website B were to leave a cookie on your machine, that would be considered a “third party” cookie because you are not using website B directly.  Some browsers, for example Internet Explorer, are configured to disallow third party cookies by default.

Why do we use cookies?
We use cookies to allow you to move quickly through our Sites. We accomplish this in many ways, using several different cookies. When you first enter our Sites, for example, we use a test cookie to confirm your browser’s ability to retain cookies. Next, we check our database to verify your subscription so you can gain access. A cookie is then temporarily “set” within your browser to allow you to proceed without having to confirm your identity with each subsequent page you request to view.

Without cookie technology, we would not be able to offer you convenient features such as the ability to store your User Name and Password so that you won’t have to sign in each time you come to the Sites.

We may use P3P or similar platforms to allow the use of third-party cookies within the family of CRESTICO Sites. P3P (Platform for Privacy Preferences Project) is a protocol that allows websites to declare their intended use of information they collect about web browser users. When this is done some of the default restrictions against third party cookies are relaxed. We do this to allow all of our Sites to use a single database of user information, so that once you register with one of our Sites, you will be able to sign in to any of our Sites.

Other cookies that you may receive during your sessions here are from actual Third-Party Service Providers. These Third-Party Service Providers may use their own cookies in order to serve surveys or premium content on our Sites.

Third party cookie information for emails.
We, or a data provider we have engaged, may place or recognize a unique cookie on your browser to enable you to receive customized ads, content or services. No personally identifiable information is placed into these cookies. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us, e.g., your email address, in hashed, non-human readable form. To opt-out of these cookies or learn more please go to http://aboutads.info/choices or http://www.networkadvertising.org/choices/

Additionally, emails we send may contain a bit of code known as a “web beacon.” This code allows us to understand the time and date of when a user has opened an email and when he/she has utilized a link within the email to visit a website. Our web beacons do not collect personally identifiable information. Users wishing to disable our web beacons should do so by turning images “off” in their email client (e.g., Outlook, Outlook Express). Please see your email client for more information.”

Will the cookies you send me go away?
Some of our cookies are long term. If they weren’t, we’d need to ask you for certain information with each new session, such as your User Name. Some cookies do expire after a short period of time. Remember, cookies are small files and won’t pose any significant disk-space concerns on your computer.

In fact, most of CRESTICO cookies expire after 365 days from their time of issue. Others, such as those required to retain settings you elect (User Name, Password, etc.) will continue to reside on your hard drive for subsequent use by your browser, but are quite small and should not pose any significant disk capacity concern.

You are, of course, free to clear any and all cookies from your hard drive any time you wish; simply search your system for any files named cookie*.* (or similar) and delete these at your discretion. Additionally all major Internet browsers have a feature that allows you to erase cookies. This is usually found in the preferences section of your browser.  Your browser’s “Help” section should allow you to find this feature.

Remember, however, that deleting these cookies means any long-term settings (such as your stored User Name) will need to be provided the next time you want to use one of the Sites.

There are also a number of software and shareware programs available that are designed to periodically purge cookie files from your hard disk. We do not recommend these applications and, as such, cannot address any resulting support issues that may be related to the use of these programs.

So what’s in it for our members?
Here’s a quick rundown of what we see as the biggest advantages of using cookies:

• Universal sign in. Once you register with one of our Sites you can use these same credentials on all of our Sites.
• More convenient access. We won’t have to ask you to identify yourself with each new page requested.
• Fewer Sign-ins. Using our “remember me” feature, you can return to our Sites without having to sign in each time.