Direct Rate is an Equal Housing Lender.

NMLS ID: [INSERT YOUR NMLS ID HERE] Corporate Address: [INSERT YOUR PHYSICAL ADDRESS HERE] Phone: [INSERT PHONE NUMBER]

Verify Our License: For licensing information, go to: www.nmlsconsumeraccess.org (NMLS Consumer Access).

State Licenses: Direct Rate holds the following state licenses and approvals:

• Texas: [Insert License Type, e.g., Mortgage Company License]
• [List all other states where you are licensed here]

General Disclosures: Direct Rate is not affiliated with the Department of Veterans Affairs (VA), the U.S. Department of Housing and Urban Development (HUD), or the Federal Housing Administration (FHA). This is not a government offer, nor has it been approved or endorsed by any government agency.

Not available in all states. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Program eligibility and underwriting requirements vary by applicant and by lender.

2. Texas Consumer Disclosure

(Este texto es legalmente estricto y no lleva marcadores, se mantiene igual en inglés)

Title: Texas Consumer Complaint & Recovery Fund Notice

(Body Content):

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.