Disclosures

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You may verify our license status at the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website: www.nmlsconsumeraccess.org.

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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 mortgage banker 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.

Waterloo Mortgage LLC is an Equal Housing Lender. We are committed to providing equal housing opportunities for all persons. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, marital status, or any other characteristic protected by applicable federal, state, or local law.

If you believe you have been discriminated against in connection with a mortgage loan application, you may contact the U.S. Department of Housing and Urban Development (HUD) at www.hud.gov or call 1-800-669-9777.

Waterloo Mortgage LLC is committed to fair lending practices in accordance with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), and the Home Mortgage Disclosure Act (HMDA). We evaluate all loan applications based solely on creditworthiness and the merits of the application.

Waterloo Mortgage LLC is committed to protecting the privacy of our customers. We collect personal information only as necessary to process your loan application and comply with applicable law. We do not sell your personal information to third parties.

In accordance with the Gramm-Leach-Bliley Act (GLBA), we provide a Notice of Privacy Practices to all customers at the time of application. You have the right to opt out of certain information-sharing practices. Please contact us at 972-515-5579 to exercise your rights or request a copy of our full Privacy Notice.

Interest rates and Annual Percentage Rates (APR) quoted on this website are for informational purposes only and are subject to change without notice. Rates are based on a variety of factors including, but not limited to, credit score, loan-to-value ratio, loan amount, property type, occupancy, and loan purpose.

All loan programs are subject to credit approval. Not all applicants will qualify. Loan terms and availability may vary. Contact a Waterloo Mortgage loan officer for a personalized rate quote and to determine which loan program best fits your needs.

Waterloo Mortgage LLC may have affiliated business arrangements with certain settlement service providers. When such arrangements exist, we are required by the Real Estate Settlement Procedures Act (RESPA) to provide you with an Affiliated Business Arrangement Disclosure. You are not required to use any affiliated service provider as a condition of your loan.

For questions about these disclosures or our licensing, please contact us: