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Disclosure Statement

This web site is offered to the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the web site constitutes your agreement to all terms, conditions, and notices. If you do not agree with these terms, conditions and notices, please do not use Land/Home Financial Services, Inc.'s Internet site.

This web site is controlled and operated by Land/Home Financial Services, Inc., a California Corporation, from its office in Concord, CA. By accessing this site, you are agreeing to be bound by the Site Terms of Use, all applicable laws and regulations (including export and re-export control laws), and agree that you are responsible for compliance with any applicable state and federal laws. If you do not agree with any of these terms, do not use this site. Any claim relating to this site shall be governed by the laws of the State of California without regard to its conflict of law provisions. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth herein, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the agreement shall continue in effect.

The materials contained in this site are protected by applicable copyright and trademark law: Copyright © 2009 Land/Home Financial Services, Inc. and/or its subsidiaries, 1355 Willow Way, Suite 250, Concord, CA 94520 U.S.A. All rights reserved. Please review Copyright and Trademarks sections for additional details.

Land/Home Financial and other names of Land/Home Financial Services,Inc. products and/or services referenced herein are Trademarks or registered Service Marks of Land/Home Financial Services, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners.

Use License: Permission is granted to temporarily download one copy of the materials (information or software) on this site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: (1) modify or copy the materials; (2) use the materials for any commercial purpose, or for any public display (commercial or noncommercial); (3) attempt to decompile or reverse engineer any software contained in this site; (4) remove any copyright or other proprietary notations from the materials; and/or (5) transfer the materials to another person or "mirror" the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Land/Home Financial at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

LIABILITY DISCLAIMER: THE MATERIALS IN THIS INTERNET SITE ARE PROVIDED "AS IS." CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. LAND/HOME FINANCIAL SERVICES, INC. MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND DISCLAIMS AND NEGATES ALL OTHER WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. FURTHER, LAND/HOME FINANCIAL SERVICES, INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS ON ITS INTERNET SITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE.

LIMITATIONS: IN NO EVENT SHALL LAND/HOME FINANCIAL SERVICES, INC. OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION,) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS LAND/HOME FINANCIAL SERVICES, INC.'S INTERNET SITES, EVEN IFLAND/HOME FINANCIAL SERVICES, INC. OR A LAND/HOME FINANCIAL SERVICES, INC. AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR LIMITATIONS ON IMPLIED WARRANTIES, OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTIAL DAMAGES, THESE LIMITATIONS MAY NOT APPLY TO YOU.

Site Terms of Use Modifications: Land/Home Financial Services, Inc. may revise these terms of use for its Internet sites at any time without notice. By using this site you are agreeing to be bound by the then current version of these Terms of Use.

Revisions and Errata: The materials appearing Land/Home Financial Services, Inc.'s Internet sites could include technical, typographical, or photographic errors. Land/Home Financial Services, Inc. does not warrant that any of the materials on its Internet site are accurate or complete.  Land/Home Financial Services, Inc. may make changes to the materials contained on its site at any time without notice. Land/Home Financial does not, however, make any commitment to update the materials.

No Professional Advice: The information appearing in this web site and in e-mail alerts is intended solely as general guidance on the guidance of mortgage rates, home purchasing and financing process, and does not constitute legal, tax, accounting or other professional advice. Real estate contracts, closing procedures and disclosures are, in part, guided by state law. Individual situations and state laws vary and users are encouraged to obtain appropriate advice from qualified professionals in the applicable jurisdictions.

Links and Logos: Land/Home Financial Services, Inc. has not reviewed all of the sites linked to its Internet site and is not responsible for the contents of any such linked sites. The inclusion of any link does not imply endorsement by Land/Home Financial Services, Inc. of the site. Use of any such linked site is at the user's own risk. Land/Home Financial Services, Inc. encourages links to its Internet site. Any link to Land/Home Financial Services, Inc.'s Internet sites from a different site must conform to the following rules:

1. Unless Land/Home Financial Services, Inc. provides you with prior authorization in writing, any link to this site must use logos, which are protected by trademark law. Land/Home Financial Services, Inc. grants you a limited license to use these logos, but does not transfer title in these logos to you.

2. You may not use the logos to imply sponsorship or endorsement of your web site without receiving the prior written permission of Land/Home Financial Services, Inc..

3. You may not alter the logos in any way, including proportions or colors and may not animate or morph the logos to change appearance.

4. You may not use the logo on any site, which, in Land/Home Financial Services, Inc’s sole discretion, disparages Land/Home Financial Services, Inc. or its products or services.

5. The logos may only be used on web pages, which, in Land/Home Financial Services, Inc.'s sole discretion, make accurate reference to the site or its products and/or services. The logo must be placed on the same page as the reference to Land/Home Financial Services, Inc. and as close to the reference as feasible.

6. Land/Home Financial Services, Inc. may, in its sole discretion, terminate your right to use its logos at any time. Land/Home Financial Services, Inc. may take action against any use of the logos that does not conform to these policies or that infringes any right held by Land/Home Financial Services, Inc., and will actively seek the recovery of any costs it may incur preventing any such misuse or damages that may result from such misuse.

Other Logos and Graphics: No logos or graphics other than those listed may be used without the prior written approval of Land/Home Financial Services, Inc.. Any unauthorized use of any materials contained in this site may result in criminal or civil penalties and Land/Home Financial will actively seek the recovery of any costs and damages it may incur preventing the misuse or misappropriation of its property

Copyright
All materials appearing anywhere in this site are protected by worldwide copyright laws and treaty provisions. The copyright on such materials is held by Land/Home Financial Services, Inc. None of the materials may be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any form or by any means without Land/Home Financial Services, Inc.'s prior written permission. All rights not expressly granted herein are reserved. Any unauthorized use of the materials appearing in this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

U.S. Government Rights: United States Government license rights in the materials appearing in this site are limited to those mandatory rights and all other applicable laws and regulations. All other use is prohibited without the prior written approval of Land/Home Financial Services, Inc.. Use of any of the materials appearing in this site by the Government constitutes acknowledgment and acceptance of Land/Home Financial's proprietary rights in the materials.

Trademark
The trademarks, service marks, logos and graphics (the "Trademarks") appearing on Land/Home Financial Services, Inc.'s Internet sites are the registered and unregistered Trademarks of Land/Home Financial Service, Inc. Specifically, Microsoft, Windows, Windows NT and the Windows logos are registered trademarks of Microsoft Corporation. Other product names used in this publication are for identification purposes only and may be trademarks of their respective companies. No license or right is granted by implication, Estoppel or any other means to use any Trademark appearing on Land/Home Financial Services, Inc.'s Internet sites.

If you are unsure whether a trademark, service mark, logo or graphic not on the list is the property of Land/Home Financial Services, Inc. or if you have any questions about the use of Land/Home Financial Services, Inc.'s Trademarks please contact a loan consultant at http://www.landhome.info. Land/Home Financial Services, Inc. vigilantly enforces its intellectual property rights and will actively seek the recovery of any costs and damages it may incur preventing the misuse or misappropriation of its property.

All rights not expressly granted herein are reserved.

Federal Disclosures
Land/Home Financial Services, Inc. will make certain disclosures to you when your completed loan application is submitted. These disclosures (required by the Truth-in-Lending Act and Real Estate Settlement Procedures Act) include:

• Credit Cost Disclosures
• Good Faith Estimate of Settlement Costs.
• The HUD Settlement Costs booklet, developed by the U.S. Department of Housing and Urban Development
• Disclosures about the possibility that your mortgage loan servicing may be transferred. (This explains the possibility that your loan could be sold by your original lender to another lender.)
• ECOA - Fair Housing Notice

State Disclosures

Land/Home Financial is licensed in the following states:

• Alabama
• Arizona
• Arkansas
• California
• Connecticut
• Delaware
• District of Columbia
• Florida
• Georgia
• Hawaii
• Idaho
• Indiana
• Illinois
• Iowa
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Mexico
• New York
• North Carolina
• North Dakota
• Oklahoma
• Oregon
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• Wisconsin
• Wyoming

Each state requires different license disclosures. After submitting your loan application, you will receive a detailed disclosure for the state in which you reside.

Acknowledgment
By submitting a loan application and authorizing Land/Home Financial Services, Inc. to proceed with the appraisal and/or credit report, you will be deemed to have read, acknowledged, agreed to, and signed a copy of this disclosure. Should you decide to apply for a loan application usingLand/Home Financial Services, Inc., you authorize the release of all information required by Land/Home Financial Services, Inc. concerning the disposition and status of your loan application.