Last Updated on November 18th, 2019.
Disclosure Assumptions
  • The information and disclosures above relate to advertised terms made by or through DropMyPayment
  • ​Not all consumers will qualify for the advertised rates and terms.
  • ​Interest rates and terms are from a lender or lenders with whom DropMyPayment may match you and that offer the particular product. The disclosures are current as of the date indicated.
  • ​DropMyPayment is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched.
  • ​You may not be matched with the lender making a particular conditional loan offer, and DropMyPayment does not guarantee that any lender will make you a conditional loan offer.
  • ​DropMyPayment arranges for a possible loan offer through its network of non-affiliated lenders.
  • ​FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
  • ​DropMyPayment is not a banker or lender (Service Provider). Leading Service Providers participate in our matching engine who may have loan products available matching the criteria you submit in this interest profile.
  • ​The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider.
  • ​Interest rate quoted assumes a FICO score of 780 with a loan-to-value ratio of 50% on a primary single-family home with a loan amount above $484,350.
  • ​Interest rate quoted on Jumbo products assume a FICO of 780 with a maximum loan-to value ratio of 50% on a primary single-family home with loan amount above $484,350.
  • ​The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lenders.
  • ​Not available in all states.
  • ​Not all consumers will qualify for these monthly payment terms. Specific rates and terms offered to our applicants by specific lenders and providers within the network may vary.
  • ​Rates are subject to change daily without notice.
  • ​Payment amounts shown do not include taxes or insurance. The actual payment amount will be greater.
If a lender in our network contacts you and solicits you for a loan application, that lender must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA) and other federal and state laws. These disclosures include details of your cost of credit, good faith estimates of your settlement costs, certain HUD mandated booklets, notice that your mortgage loan servicing may be transferred and your right to a copy of any appraisal performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, 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. The Federal Trade Commission administers compliance with these laws and may be contacted at: The Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. The foregoing requirements are mandatory for all lenders, however, FreeRateUpdate.com makes no representations as to the adequacy or compliance on behalf of any lender as we do not participate in the loan application process or make any credit decisions. 
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