SmartQuote is not acting as a lender or a broker ("Service Provider"). The information provided by you to SmartQuote is not an application for a mortgage loan nor it is used to pre-qualify you with any lender. Leading Service Providers, who participate in our matching engine, may have loan products available, matching the criteria you submit via our forms.

If you are contacted by Service Provider(s), advertising within our or our partner network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. SmartQuote does not guarantee that the rates or terms offered and made available by participating Service Providers are the lowest rates available in the market or the best terms available; not all Service Providers in our network offer the products that we advertise. Completing our forms does not obligate you to purchase a service or product from the providers, nor does it obligate a provider to offer to you any particular service about which you may have inquired.

* Refinance at 3.875% Fixed. Example assumes a $200,000 loan amount with a fixed interest rate of 3.875% for 5 years and Annual Percentage Rate (APR) of 3.877%. Terms of the payment are based on a 5/1 Adjustable rate mortgage loan with principal and interest payments and loan points due at closing. The example assumes a credit score of 720 or greater with a loan to value (LTV) of 80% or less on a primary residence. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, location, type of property, and other factors. This program is available as of June 16, 2009 from a participating Service Provider.