Full Disclosure Mortgage Pricing Policy

Lowest Rates Available

We always offer you the lowest rates available to us from among the many loan programs we carry, subject to your financial qualifications.

No Hidden Mortgage Fees

We disclose all loan fees and other transaction costs to you, in writing. You can obtain closing cost estimates with your loan quotes, on demand, via our web site, at any time. You will receive a customized estimate of closing costs when you apply with us, and also with your loan closing documents when they are ready for your review and signature.

We Fix Our Loan Fee -- Guaranteed

LRG Mortgage shops among many wholesale lenders to find the best rates for our customers. While wholesale mortgage rates and fees can change every day, the amount of compensation we earn for arranging your loan with one of our wholesale lenders is fixed, regardless of loan program and regardless of the specific interest rate and wholesale points or rebate level you select. We have no financial incentive to steer you into a loan that may not be the best loan for your needs, and we have no financial incentive to steer you into a specific rate that would pay us more.

So, whether you choose to pay our mortgage brokerage fee "out of pocket" when you close your loan, roll it into your loan amount, or pay it with "lender rebate" in exchange for accepting a slightly higher interest rate, our compensation is fixed.

Good Faith Estimate of Closing Costs

As the originator of your loan, we are required by federal law to provide you with a "Good Faith Estimate" of closing costs. Most of the closing costs that appear on this disclosure form are charged by third parties. We will estimate in good faith, but we cannot guarantee, transaction fees charged by third parties. Third party fees may change during the time your loan is being processed, but we guarantee that our fee will not change.