Advertising Disclosures

Offers which appear on LendingTree’s Rate Tables are from companies with which LendingTree receives compensation. This compensation may impact the location and order in which these products appear.

Advertisements using Rate Table figures are based on the following assumptions: an excellent credit borrower looking for a home purchase loan for a single family home priced at $250,000 with a down payment of $50,000. While the ad is based off of those assumptions, the Rate Table can be adapted to fit any other configuration and these figures are examples only. Terms and conditions may apply and your individual credit situation will play a factor in the rates and terms for which you would ulitmately qualify.

Rates, APRs, Monthly Payment Amounts, Fees, Points, and Origination data shown in the LendingTree LoanExplorer℠ rate table are examples only and do not take into consideration mortgage insurance premiums (if required), homeowners insurance, or property taxes. For more details click here for LendingTree’s Terms of Use. Further, data displayed in the LendingTree LoanExplorer rate table does not take into consideration your personal financial situation, appraised value of your home, actual credit score, income, existing debt, or other circumstances particular to an individual. The monthly mortgage payment may increase from the example listed. If you choose an ARM, your payment will likely increase at the stated interval (usually every 12 months) even though it can be fixed only for an initial period (i.e. 5/1 ARM fixed payment for first 5 years then stated increases every 12 months thereafter until the cap, if applicable, is reached). Factors including, but not limited to, your personal financial situation, appraised value of your home, actual credit score, income and existing debt will also impact the actual Rate and APR noted. Again, the data displayed in the LendingTree LoanExplorer rate table are examples only based on the limited information provided. Please review our full list of advertising disclosures to see more detailed examples of the average current rates borrowers are being matched at Advertising Disclosures.

LendingTree’s LoanExplorer allows you to contact lenders directly. By contacting the lenders or submitting a request to be contacted, you may be asked to give express consent to receive return phone calls from the selected Lenders who may contact you at the number(s) or email address you provide to assist you in the mortgage financing process. In addition, you may be asked to agree to receive calls and messages from automated dialing systems and/or by pre-recorded message, and text message(s) (where applicable) at the number(s) you provided. Normal cell phone charges may apply if you provide a cellular number. You may also elect to receive return calls by manually dialed process, email, or other preferred method of contact. You may continue with the LendingTree services without providing a phone number by calling 1-888-272-1355.

Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

Calculators are made available as tools for your use in researching and comparing products. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized, including, but not limited to the following:

Home Affordability Calculator

Assumptions

Estimated annual property tax is 1.14%. Estimated annual homeowner's insurance is $800. Annual homeowner's association (HOA) dues are $0. Loan term is 30 years. This includes private mortgage insurance (PMI). These are examples only are not guaranteed amounts for any one location. Amounts are national averages from 2013 obtained from several sources. Estimated taxes and insurance amounts will adjust using the above assumptions when a new purchase/refinance/home estimated value is placed into the field and is not a guarantee of what actual amounts may be for any particular product or property.

Rent or Buy Calculator

Assumptions

Rental amount includes one year of rent (you place into the calculator) and rental insurance (based on the national average for 2013). Loan term is 30 years. Property tax assumption is 1% of the home value. Annual homeowner's association (HOA) dues being set at $100. Maintenance of owning a home is assumed at 2% of home value. Personal tax rate of 33% is factored into the calculation(s). Calculator assumes home appreciation of 4% and a rent increase of 4% annually. The cost of selling a home is 8% of the sales price based on national average of repairs, staging, and Real Estate Agent commissions. The rate of return on investments after tax is assumed at 5% pursuant to 2013 statistics.

Mortgage Checkup Calculator

Mortgage Checkup and calculators are made available as tools for your use in researching and shopping for mortgage products and are not intended to be investment advice of any kind. LendingTree, LLC does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal circumstances. All tools and calculators are deemed examples and are for illustrative purposes only.

Reverse Mortgage Calculator

The calculator is for illustrative purposes only and uses an estimated rate, term, origination fee, mortgage insurance pre-payment, etc. from information gathered from the LendingTree Network. The calculator and a Reverse Mortgage Loan are not intended to be investment advice, or a recommendation by LendingTree as it cannot guarantee the accuracy of the results. Private mortgage insurance may be required and estimates of the same are used in the calculation, but the calculator does not include taxes and insurance, which are required to be paid during the duration of a Reverse Mortgage Loan. Rates vary by lender, by state, and on consumers LTV and personal financial situation. Terms and Conditions Apply and vary per lender, so ask each lender what costs, fees and terms are available for your personal financial situation.

The Reverse Mortgage calculator is an estimate only and not an offer of credit by any one Lender. Reverse Mortgage requires that one of the homeowners be at least 62 years of age; have a substantial amount of equity in your primary residence and you intend to remain in the home for the duration of the loan. Taxes and interest still have to be paid even while your mortgage payments may stop. Speak with a qualified Reverse Mortgage Counselor to discuss all of your options.

Mortgage rate quotes displayed on LendingTree LoanExplorerSM, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

LendingTree Advertisement Disclosure (last updated June 8, 2018): LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733. For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details. LendingTree, LLC NMLS Unique Identifier # 1136, AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker, License #'s MB-0902469 and MB-0909882; California Dept. of Corporations, California Finance Lenders Law License No. 6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker, License #4164 - MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; Georgia Mortgage Broker/Processor License #12989; Illinois Residential Mortgage License #0005433; Kansas Mortgage Company License #MC.0002279; MA Mortgage Broker License #MB1136 - We arrange but do not make loans; ME Loan Broker License #CSO06321; Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker License #1136; MO Mortgage Broker License #10-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker, License #1097; Licensed by the New Hampshire Banking Department; NJ Residential Mortgage Broker License # 0801779 - broker will not make any mortgage loan commitments or fund any mortgage loans; NV Mortgage Broker License #1698; LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker-- NYS Department of Financial Services License #A004890 - Broker arranges mortgage loans with third-party providers; OH Mortgage Broker License #MB.802159.000, 7494 Preserve Place, West Chester, OH 05069; OR Mortgage Lending License #ML-1862; PA Licensed Mortgage Broker by the PA Department of Banking #20298; Rhode Island Licensed Loan Broker #20062113LB; Texas Mortgage Company License Unique Identifier #1136, Mr. Shan Guo #300978, Residential Mortgage Loan Originator at 1312 Village Creek Drive Suite 900, Plano TX 75093; VA Mortgage Broker License #MC-1052, Licensed by the Virginia State Corporation Commission; WA Mortgage Broker License #MB1136. Advertised Terms and Information
  • The information and disclosures above relate to advertised terms made by or through LendingTree.
  • Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
  • LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
  • You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
  • FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.