2312 Park Ave
Tustin, CA 92782-2702
General Information: 877-287-1518
InterestRateSolutions.com (“IRS”), and it’s affiliated companies, use IRS as the site of a virtual marketplace where interested consumers can be made aware of lenders and mortgage brokers who are seeking the opportunity to do business with people like them living in their area. InterestRateSolutions.com
InterestRateSolutions.com Media does not originate or make loans nor make any credit decisions in connection with loans. InterestRateSolutions.com Media does not issue loan commitments or lock-in agreements. It does not solicit a loan for you and will not help or assist you to obtain a loan. InterestRateSolutions.com Media is not an agent of either you the consumer or of any participating bank, lender or mortgage broker (referred to in the rest of this document as “Lenders”). InterestRateSolutions.com Media provides only administrative and marketplace services, by matching consumers, who are prospective borrowers, with Lenders who may be willing to make them personal loans and Debt Resolution. You must rely on your own judgment in deciding which available loan product best suits your needs and financial means and whether or not to work with any Lender of which you become aware via IRS. You are under no obligation to use IRS or InterestRateSolutions.com Media to begin any financing process. InterestRateSolutions.com Media does not guarantee that submitting requested information on IRS will result in the origination of a loan from a Lender. The information you submit to InterestRateSolutions.com Media is NOT an application for credit. InterestRateSolutions.com Media merely provides your information to certain lenders so that they may contact you directly. InterestRateSolutions.com Media cannot guarantee that you will receive a loan with the most advantageous rate or terms or that better rates and terms are not available from Lenders in your area not participating in the IRS marketplace.
You will have to complete an application with a Lender before they will extend an unconditional loan offer. The Lender you select may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fees. The Lender must provide you with certain information regarding whether any such fees are non-refundable. InterestRateSolutions.com Media does not charge you, the consumer, any fees for its services. InterestRateSolutions.com Media receives its compensation directly from Lenders for the services provided. InterestRateSolutions.com Media’s compensation may vary.
InterestRateSolutions.com Media. will forward the information you provide to certain Lenders. These Lenders must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA) and other federal and state laws. These disclosures include details of your cost of credit, good faith estimates of your settlement costs, certain HUD mandated booklets, notice that your mortgage loan servicing may be transferred and your right to a copy of any appraisal performed on your home. 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, 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 Trade Commission administers compliance with these laws and may be contacted at: The Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. The foregoing requirements are mandatory for Lenders, however InterestRateSolutions.com Media makes no representations as to the adequacy or compliance on behalf of any Lender.
If all the provisions of the financing agreement are not subject to future determination, change, or alteration, the financing agreement shall constitute a final binding agreement between the parties as to the items covered by the financing agreement.
The financing agreement executed by the Lender shall be delivered to the borrower at least 72 hours before the time of settlement agreed to by the parties.
A borrower aggrieved by any violation of this section shall be entitled to bring a civil suit for damages, including reasonable attorney’s fees, against the Lender.