Disclosures

What Is Lenders Block?

Lenders Block® is a division of NexQuest Financial, Inc., a California corporation headquartered in Irvine, California. NexQuest Financial is an affiliate company of ReVamp Interactive, LLC., which uses Lenders Block as an emerging online exchange that connects interested consumers to various Lenders (i.e. banks, lenders and/or loan brokers), or financial services companies in its network.

When you visit Lenders Block to request a particular type of product or service, all you need to do is complete a simple online request form. Based upon the personal information you supply to us, Lenders Block will transmit such information to the Lenders or financial services companies in its network that are able to provide you with the product and/or service in which you have expressed an interest.

Lenders Block is not a lender, credit card issuer or financial services company nor does it perform any functions specifically related to those types of activities. Lenders Block is not your agent nor Lender, nor are any of our affiliated companies. Lenders Block services are merely for marketing and promotional purposes. You, as the consumer, must rely on your own best judgment in deciding which of the individuals or companies in our network and their respective products and services best meet your individual needs and capabilities. Lenders Block does not endorse, recommend, guarantee or warrant any specific individual, company, Lender, loan product, coverage, policy, product or service of the participants in its network. You are not obligated to use any individuals or company in our network. Lenders Block does not guarantee that submitting a referral request will result in you obtaining a loan, product and/or service from a participant in our network.

The individuals and companies in our network are subject to federal and/or state regulation of their activities. You may be required to pay certain fees by the individual or company you choose. Those fees and the amount of such fees, which may be subject to negotiation between you and the individual or company, are to be determined between you and such individual or Lender in accordance with applicable federal and/or state laws. Lenders Block does not charge any fees to you the consumer for use of its network. Lenders Block receives its compensation, if any, for the goods and services it provides to the individuals and companies in its network.

Federal Disclosures
If you make a request for a loan referral, your request will be forwarded to up to four Lenders. Under federal law, these Lenders must make certain disclosures to you in accordance with the Truth in Lending Act ("TILA"), the Real Estate Settlement Procedures Act ("RESPA"), and certain other federal and state laws. These disclosures include, but may not be limited to, such things as your cost of credit, good faith estimates of your settlement costs, HUD mandated booklets, notices concerning the possibility that your mortgage loan servicing may be transferred, and your right to a copy of the appraisal, if any, performed on your home.

The Equal Credit Opportunity Act ("ECOA"), whose oversight is administered by the Federal Trade Commission, prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), 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. If you have any questions, you can write to the Federal Trade Commission as follows: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

State Disclosures
Lenders Block is not licensed as a mortgage broker in most states as it does not solicit, process, place, accept applications, sell or negotiate mortgage loans for the individuals who use its referral service, nor does Lenders Block act as your agent in any actions specifically related thereto. Any personal information submitted by you to our site shall not be construed or intended to be a mortgage application. The personal information you submit is merely used to match your specific interest or need with an individual or company in our network. In spite of the foregoing, Lenders Block is either licensed or exempt from licensing as a real estate and mortgage broker in the following states:

Alaska
Lenders Block, a division of NexQuest Financial, Inc., is either exempt from licensing itself as a mortgage broker and/or there is no state regulatory agency responsible for the licensing of real estate brokers in this state.

California
Lenders Block, a division of NexQuest Financial, Inc, is licensed as a real estate broker with the California Department of Real Estate (916.227.0931) under License No. 01774387.

Colorado
Lenders Block, a division of NexQuest Financial, Inc., is either exempt from licensing itself as a mortgage broker and/or there is no state regulatory agency responsible for the licensing of real estate brokers in this state.

Wyoming
Lenders Block, a division of NexQuest Financial, Inc., is either exempt from licensing itself as a mortgage broker and/or there is no state regulatory agency responsible for the licensing of real estate brokers in this state.

Currently we are not servicing: Manufactured Homes or Mobile Homes