IMPORTANT DISCLOSURES

This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.

By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.

1. Debt Consolidation Disclosure: A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter-term debt and secures such debt with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or other high interest rate debt.

2. Average monthly debt payment reduction figures based on Mr. Cooper refinances from May 2018 – April 2019 in which a customer paid off at least one non-mortgage debt. Comparison between total minimum monthly payments before and after refinance. Individual results will vary.

3. Purchase Loan Discount For Existing Customers: Offer is only available to existing customers serviced by Nationstar Mortgage LLC d/b/a Mr. Cooper on new purchase loan transactions that close with Mr. Cooper. Mr. Cooper will apply .5% in discount points compared to non-portfolio customer pricing. This additional discount translates to a credit $500 of discount points for every $100,000 in final loan amount. As an example, if your final loan amount is $200,000.00, Mr. Cooper will apply $1,000.00 (.5% of 200,000) towards discount points at time of rate lock. Offer is subject to change. Offer applies to new purchase loan applications submitted on or after 2/12/2018 and close with Mr. Cooper.

4. Reduced Fees and Less Paperwork Disclaimer: In some cases, an FHA or VA refinance may require an appraisal and/or full income and asset documentation. This requirement will increase fees and required paperwork. A licensed Mortgage Professional can inform you of all options available to you as well as the program requirements.

5. Estimated Equity Disclosure: The cash out amount is an estimate of the cash you may have available and is based on our estimate of the current amount(s) that you owe on your home, our estimate of the current value of your home and assumes you can borrow up to 85% [80% for Texas residents] of the equity in your home (or 75% if your new loan is an adjustable rate mortgage). Refinancing or taking cash out may increase the total number of monthly payments, your total finance charges and/or the total amount paid when compared to your current situation.