ConsumerAffairs is not a government agency. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Our content is intended to be used for general information purposes only. It is very important to do your own analysis before making any investment based on your own personal circ*mstances and consult with your own investment, financial, tax and legal advisers.
Company NMLS Consumer Access #2110672 MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
NOTICE TO VERMONT CONSUMERS:
THIS IS A LOAN SOLICITATION ONLY. CONSUMERS UNIFIED, LLC IS NOT A LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.
Consumers Unified, LLC does not take loan or mortgage applications or make credit decisions. Rather, we display rates from lenders that are licensed or otherwise authorized to work in Vermont. We forward your information to a lender you wish to contact so that they may contact you directly.
Copyright © 2023 Consumers Unified, LLC DBA ConsumerAffairs. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.
Certainly! The passage you provided seems to cover various aspects related to consumer affairs, mortgage brokering, legal disclaimers, and financial advisories. Let's break down the concepts mentioned:
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ConsumerAffairs: It's a private company providing information and reviews on various consumer products and services. They seem to earn revenue through companies paying for advertising or leads generated from their platform.
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Consumer Rights and Analysis: The disclaimer emphasizes the importance of personal analysis before making any financial decisions, highlighting the significance of individual circ*mstances and the advice of financial, legal, and investment professionals.
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Company NMLS Consumer Access #2110672: This number is a unique identifier assigned by the Nationwide Multistate Licensing System & Registry (NMLS) to mortgage-related businesses or professionals. It indicates compliance with regulatory standards.
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Mortgage Broker vs. Lender: It clarifies that the company is a mortgage broker, not a lender or correspondent lender. Brokers connect borrowers with lenders and don't directly fund loans.
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Regulatory Notices: Specific notices for Vermont consumers and the implication that the lender might not adhere to Vermont lending laws, possibly governed by federal lending laws.
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Home Warranty Disclosure (New Jersey): It delineates the difference between a service contract and a product/service warranty, ensuring clarity for New Jersey residents about what they're offered.
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Consumer Information Handling: The company doesn't process loan or mortgage applications but serves as a liaison, transmitting consumer information to licensed lenders for direct contact.
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Copyright and Reproduction: The copyright notice states restrictions on the reproduction or redistribution of the content without written permission, protecting the intellectual property rights of ConsumerAffairs.
This passage addresses consumer protection, financial transparency, legal compliance in mortgage practices, and the distinction between different financial services.
