Licensing and Disclosures
EDHL, Inc (“EDHL”), is an affiliated business to Top Pod, Inc. dba Every Door Real Estate (“EDRE”) and a licensed mortgage broker with its main office located at 5506 6th Ave S #204, Seattle WA 98108
EDHL, Inc. is a licensed mortgage broker in Washington State.
NMLS Branch ID 1974611
NMLS Corporate Branch ID 1761573
5506 6th Ave S #204, Seattle, WA 98108
Agency
EDHL is not an agent of you or any lender unless otherwise provided under applicable state law pertaining to the specific services provided. EDHL only provides an administrative service to consumers and participating lenders. Decisions regarding pre-approval requests are made by participating lenders and not EDHL. EDHL assumes no responsibility for any result or consequence related directly or indirectly to any action or inaction that consumers take based on the Services, including on the Site, and any other information available there. Interest rates provided through the Services are for information purposes only, and actual interest rates may vary.
Equal Housing
EDHL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided that you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission - Equal Credit Opportunity, Washington, D.C. 20580
Lender Liability
EDHL shall not be liable for any damages or costs of any type arising out of any loan products or other services offered by lender. The lender is solely responsible for its services to you. You acknowledge and understand that lenders keep information provided by EDHL during processing of your request, regardless of whether you are qualified for a loan or obtain a loan with any lender. EDHL is not liable for any communications from lender, and you agree to notify any particular lender directly if you wish to no longer receive communications. Lenders and other brokers, dealers, and partners, may make certain disclosures to you in compliance with applicable state and federal laws.
Options
The use of EDHL’s Services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on EDHL’s platform, and different terms and conditions, including lower rates, may be made available from others not listed.
Lender Interest Rates
The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement is made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, will be set by the lender. EDHL does not offer lock-in agreements and does not guarantee interest rates made by lenders. If the lender is licensed under the Washington Mortgage Broker Practices Act, the fees paid by you for third-party services may be held in a trust account, and any such moneys remaining after the payment to third-party providers will be refunded to you.
Obligations after Denial of Loan
If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document, and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request. Under the Equal Credit Opportunity Act (ECOA), you are entitled to receive a copy of any appraisal you have paid for.
Loan Estimate
If your inquiry is forwarded to a participating lender, you may receive from the lender a Loan Estimate Form as required by the Real Estate Settlement Procedures Act (RESPA) and Truth in Lending Act (TILA).