GetSmart Promotional Offer Terms
If you are unable to locate a specific disclosure below, please contact Customer Care at 1-888-272-1355 to get the disclosure. Be sure to remember the advertisement you saw and where you found it.

The disclosures below relate to promotional offers made through GetSmart (a service of LendingTree, LLC). Disclosures about interest rates and payment terms are from LendingTree lenders with whom GetSmart may match you and that advertise the particular product. The disclosures are current as of the date indicated. GetSmart is not a lender in any transaction. All credit decisions, including loan approval and the rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your match request and determined by the lender(s) to whom you are matched. You may not be matched with the lender making a particular offer, and GetSmart does not guarantee that any lender will make you a loan offer. GetSmart arranges for matches through its network of nonaffiliated lenders or though its affiliate, Home Loan Center, Inc. (doing business as "LendingTree Loans" in most states). See the Terms of Use Agreement (below) for more details. The Terms of Use Agreement governs these offering terms.

Find the promotional offer you saw on the list below and then click to go to the corresponding disclosure for more details.

Promotional Offers

1: Free LendingTree Services
2: No Lender Closing Costs [for eligible borrowers]
3: $89 Flat Fee for Closing Costs [for eligible borrowers]
4: 20 million borrowers served.
6: $25,000 for $120/month - Disclosure current as of April 8, 2008.
7: $40,000 for $192/month - Disclosure current as of Aptil 8, 2008.
8: $50,000 for $230/month - Disclosure current as of April 8, 2008.
9: $70,000 for $321/month - Disclosure current as of April 8, 2008.
11: 7.49% APR Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
12: $25,000 for $232/month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
13: $40,000 for $371/month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
14: $50,000 for $457/Month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
15: $60,000 for $548/Month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
17: $175,000 for $980/month - Disclosure current as of April 30, 2008.
18: $200,000 for $1,120/month - Disclosure current as of April 30, 2008.
19: $225,000 for $1,260/month - Disclosure current as of April 30, 2008.
20: $250,000 for $1,400/month - Disclosure current as of April 30, 2008.
21: $400,000 for $2,240/month - Disclosure current as of April 30, 2008.
23: Refinance - Save up to $200 per month by refinancing
24: Refinance - Save up to $300 per month by refinancing
25: Refinance - Save up to $400 per month by refinancing
26: Refinance - Save up to $500 per month by refinancing
27: 15-year Fixed Rate as low as 5.5% (5.59% APR) - Disclosure current as of April 10, 2008.
29: 30-year Fixed Rate as low as 5.625% (5.845% APR) - Disclosure current as of April 10, 2008.
31: Mortgage Rate as low as 5.625% (5.664% APR) - Disclosure current as of April 10, 2008.
45: $175,000 for $1,008/Month Fixed for 30 years Fully Amortizing Loan - Disclosure current as of April 10, 2008.
49: Do you have an adjustable rate mortgage (ARM)? Your Rate may increase by up to 60% or more. Refinance to a fixed rate now.
50: Do you have an adjustable rate mortgage (ARM)? Your Payment may increase by up to 46% or more. Refinance to a fixed rate now.
51: Save up to 15% or more per Month. Refinance to a fixed rate loan now.
52: Save up to $250 or more per Month. Refinance to a fixed rate loan now.
53: Save up to $3,000 or more in interest in the first year. Switch to a 15-year fixed rate loan now.
54: LendingTree Lenders Beat the National Average on Rates.
55: LendingTree Lenders Beat the National Average on Fixed Rates.
57: 5.29% APR for Auto Purchase Loans - Lender disclosure current as of May 13, 2008.
58: 6.45% APR for Auto Refinance Loans - Lender disclosure current as of May 13, 2008.
62: $200,000 for $1,232/Month Fixed for 30 years - Disclosure current as of June 20, 2008.
63: $300,000 for $1,751/Month Fixed for 30 years - Disclosure current as of April 10, 2008.
64: $400,000 for $2,303/Month Fixed for 30 years - Disclosure current as of April 10, 2008.
65: $300,000 for $1,680/month – Disclosure current as of April 30, 2008.
Disclosure 1:
Free LendingTree Services

What portion of LendingTree's services in connection with my loan request is free?
There is no cost to submit a loan request, get matched with lenders and receive loan offers. You may review the loan offers and talk to the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost.

How does LendingTree get paid?
LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.
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Disclosure 2:
No Lender Closing Costs [for eligible borrowers]
No lender closing cost option not available to all borrowers. Eligibility for no closing cost option depends upon your creditworthiness, loan-to-value ratio, property location and other factors, and will be determined by each lender independently. Option may require a minimum loan amount and for the line of credit to remain open for at least 2 years, with such requirements to be determined by each lender independently. Please note that you may be required to pay certain third party (non-lender) fees.
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Disclosure 3:
$89 Flat Fee for Closing Costs [for eligible borrowers]
$89 closing cost option not available to all borrowers. Eligibility for low closing cost options depends upon your creditworthiness, loan-to-value ratio, property location and other factors, and will be determined by each lender independently. Option may require a minimum loan amount and for the line of credit to remain open for at least 2 years, with such requirements to be determined by each lender independently. Please note that you may be required to pay certain third party (non-lender) fees.
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Disclosure 4:
20 million borrowers served.
  • Based on loan requests since inception in 1998.
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Disclosure 6:
$25,000 for $120/month - Disclosure current as of April 8, 2008.
  • The advertised loan is a Home Equity Line of Credit with a 10-year term.
  • The introductory interest rate is the Prime Rate +.5% (currently 5.75%) for 3 months.
  • The interest rate after the introductory period is the Wall Street Journal Prime Rate +.5% (currently 5.75%) to the Prime Rate +2.75% (currently 8.0%). The interest rate is variable and subject to change.
  • The Annual Percentage Rate (APR) is 5.75%.
  • The minimum monthly interest-only payment under the introductory interest rate for fully-drawn lines of credit is $120.
  • If you make only the monthly interest-only payments, at the end of the draw period, you will still owe the outstanding principal balance.
  • Maximum interest rate will not exceed 18%.
  • Offer is for new applicants only.
  • The lender will charge an annual fee of $75 after the first year.


    • Disclosure Assumptions
  • To qualify for this payment your FICO score must be 720 or greater and the loan-to-value ratio must not exceed 70%.
  • 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. The interest rate after the introductory period may range from the Prime Rate +.5% (currently 5.75%) to the Prime Rate +2.75% (currently 8.0%).
  • No closing costs, no points, and no fees apply.
  • For a no closing cost line of credit, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 7:
$40,000 for $192/month - Disclosure current as of Aptil 8, 2008.
  • The advertised loan is a Home Equity Line of Credit with a 10-year term.
  • The introductory interest rate is the Prime Rate + .5% (currently 5.75%) for 3 months.
  • The interest rate after the introductory period is the Wall Street Journal Prime Rate (currently 5.25%) +.5%. The interest rate is variable and subject to change
  • The Annual Percentage Rate (APR) is 5.75%.
  • The minimum monthly interest-only payment under the current introductory interest rate for fully-drawn lines of credit is $192.
  • If you make only the monthly interest-only payments, at the end of the draw period, you will still owe the outstanding principal balance.
  • Maximum interest rate will not exceed 18%.
  • Offer is for new applicants only.
  • The lender will charge an annual fee of $75 after the first year.


    • Disclosure Assumptions
  • To qualify for this payment your FICO score must be 720 or greater and the loan-to-value ratio must not exceed 70%.
  • 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. The interest rate after the introductory period may range from the Prime Rate +.5% (currently 5.75%) to the Prime Rate +2.75% (currently 8.0%).
  • No closing costs, no points, and no fees apply.
  • For a no closing cost line of credit, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 8:
$50,000 for $230/month - Disclosure current as of April 8, 2008.
  • The advertised loan is a Home Equity Line of Credit with a 10-year term.
  • The interest rate is the Wall Street Journal Prime Rate (currently 5.25%) + .25%. The interest rate is variable and subject to change.
  • The Annual Percentage Rate (APR) is 5.50%.
  • The minimum monthly interest-only payment under the current introductory interest rate for fully-drawn lines of credit is $230.
  • If you make only the monthly interest-only payments, at the end of the draw period, you will still owe the outstanding principal balance.
  • Maximum interest rate will not exceed 18%.
  • Offer is for new applicants only.
  • The lender will charge an annual fee of $75 after the first year.


    • Disclosure Assumptions
  • To qualify for this payment your FICO score must be 720 or greater and the loan-to-value ratio must not exceed 70%.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost line of credit, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 9:
$70,000 for $321/month - Disclosure current as of April 8, 2008.
  • The advertised loan is a Home Equity Line of Credit with a 10-year term.
  • The interest rate is the Wall Street Journal Prime Rate (currently 5.25%) +.25%. The interest rate is variable and subject to change.
  • The Annual Percentage Rate (APR) is 5.50%.
  • The minimum monthly interest-only payment under the current introductory interest rate for fully-drawn lines of credit is $321.
  • If you make only the monthly interest-only payments, at the end of the draw period, you will still owe the outstanding principal balance.
  • Maximum interest rate will not exceed 18%.
  • Offer is for new applicants only.
  • The lender will charge an annual fee of $75 after the first year.


    • Disclosure Assumptions
  • To qualify for this payment your FICO score must be 720 or greater and the loan-to-value ratio must not exceed 70%.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost line of credit, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 11:
7.49% APR Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
  • The advertised loan is a fixed rate home equity loan with a 15-year term.
  • The loan requires full principal and interest payments so that the loan will be paid in full at the end of 15 years.
  • The Annual Percentage Rate (APR) is 7.49% and the monthly payment is $365.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum combined loan-to-value ratio with your first mortgage of 80% on a primary residence.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost loan, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 12:
$25,000 for $232/month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
  • The advertised loan is a fixed rate home equity loan with a 15-year term.
  • The loan requires full principal and interest payments so that the loan will be paid in full at the end of 15 years.
  • The chart below shows the Annual Percentage Rate (APR) and the monthly payment for various loan amounts:

    Payment Example
    Loan Amount Interest Rate APR Monthly Payment
    $25,000 7.49% 7.49% $232
    $40,000 7.49% 7.49% $371
    $50,000 7.24% 7.24% $457
    $60,000 7.24% 7.24% $548



    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum combined loan-to-value ratio with your first mortgage of 80% on a primary residence.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost loan, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 13:
$40,000 for $371/month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
  • The advertised loan is a fixed rate home equity loan with a 15-year term.
  • The loan requires full principal and interest payments so that the loan will be paid in full at the end of 15 years.
  • The chart below shows the Annual Percentage Rate (APR) and the monthly payment for various loan amounts:

    Payment Example
    Loan Amount Interest Rate APR Monthly Payment
    $25,000 7.49% 7.49% $232
    $40,000 7.49% 7.49% $371
    $50,000 7.24% 7.24% $457
    $60,000 7.24% 7.24% $548



    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum combined loan-to-value ratio with your first mortgage of 80% on a primary residence.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost loan, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 14:
$50,000 for $457/Month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
  • The advertised loan is a fixed rate home equity loan with a 15-year term.
  • The loan requires full principal and interest payments so that the loan will be paid in full at the end of 15 years.
  • The chart below shows the Annual Percentage Rate (APR) and the monthly payment for various loan amounts:

    Payment Example
    Loan Amount Interest Rate APR Monthly Payment
    $25,000 7.49% 7.49% $232
    $40,000 7.49% 7.49% $371
    $50,000 7.24% 7.24% $457
    $60,000 7.24% 7.24% $548



    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum combined loan-to-value ratio with your first mortgage of 80% on a primary residence.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost loan, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 15:
$60,000 for $548/Month Fixed Rate Home Equity Loan - Disclosure current as of April 8, 2008.
  • The advertised loan is a fixed rate home equity loan with a 15-year term.
  • The loan requires full principal and interest payments so that the loan will be paid in full at the end of 15 years.
  • The chart below shows the Annual Percentage Rate (APR) and the monthly payment for various loan amounts:

    Payment Example
    Loan Amount Interest Rate APR Monthly Payment
    $25,000 7.49% 7.49% $232
    $40,000 7.49% 7.49% $371
    $50,000 7.24% 7.24% $457
    $60,000 7.24% 7.24% $548



    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum combined loan-to-value ratio with your first mortgage of 80% on a primary residence.
  • 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.
  • No closing costs, no points, and no fees apply.
  • For a no closing cost loan, you may have to accept a slightly higher interest rate; please ask the lender for details and comparisons with and without the no closing cost option.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 17:
$175,000 for $980/month - Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07% as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • The chart below shows the interest rate, APR, and the initial monthly payments:
    Payment Examples
    Loan Amount Initial
    Interest Rate    		 APR Initial Monthly
    Payments
    (for 3 years)
    $175,000 5.375% 5.006% $980
    $200,000 5.375% 4.993% $1,120
    $225,000 5.375% 4.983% $1,260
    $250,000 5.375% 4.975% $1,400
    $400,000 5.375% 4.948% $2,240


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • The initial interest rate is 5.375 for 3 years with 1.5 discount points and $2,000 in closing costs due at closing.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 18:
$200,000 for $1,120/month - Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07% as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • The chart below shows the interest rate, APR, and the initial monthly payments:
    Payment Examples
    Loan Amount Initial
    Interest Rate    		 APR Initial Monthly
    Payments
    (for 3 years)
    $175,000 5.375% 5.006% $980
    $200,000 5.375% 4.993% $1,120
    $225,000 5.375% 4.983% $1,260
    $250,000 5.375% 4.975% $1,400
    $400,000 5.375% 4.948% $2,240


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • The initial interest rate is 5.375 for 3 years with 1.5 discount points and $2,000 in closing costs due at closing.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 19:
$225,000 for $1,260/month - Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07% as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • The chart below shows the interest rate, APR, and the initial monthly payments:
    Payment Examples
    Loan Amount Initial
    Interest Rate    		 APR Initial Monthly
    Payments
    (for 3 years)
    $175,000 5.375% 5.006% $980
    $200,000 5.375% 4.993% $1,120
    $225,000 5.375% 4.983% $1,260
    $250,000 5.375% 4.975% $1,400
    $400,000 5.375% 4.948% $2,240


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • The initial interest rate is 5.375 for 3 years with 1.5 discount points and $2,000 in closing costs due at closing.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 20:
$250,000 for $1,400/month - Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07% as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • The chart below shows the interest rate, APR, and the initial monthly payments:
    Payment Examples
    Loan Amount Initial
    Interest Rate    		 APR Initial Monthly
    Payments
    (for 3 years)
    $175,000 5.375% 5.006% $980
    $200,000 5.375% 4.993% $1,120
    $225,000 5.375% 4.983% $1,260
    $250,000 5.375% 4.975% $1,400
    $400,000 5.375% 4.948% $2,240


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • The initial interest rate is 5.375 for 3 years with 1.5 discount points and $2,000 in closing costs due at closing.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 21:
$400,000 for $2,240/month - Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07% as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • The chart below shows the interest rate, APR, and the initial monthly payments:
    Payment Examples
    Loan Amount Initial
    Interest Rate    		 APR Initial Monthly
    Payments
    (for 3 years)
    $175,000 5.375% 5.006% $980
    $200,000 5.375% 4.993% $1,120
    $225,000 5.375% 4.983% $1,260
    $250,000 5.375% 4.975% $1,400
    $400,000 5.375% 4.948% $2,240


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • The initial interest rate is 5.375 for 3 years with 1.5 discount points and $2,000 in closing costs due at closing.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 23:
Refinance - Save up to $200 per month by refinancing
    Savings based on a refinancing a 30-year fixed-rate mortgage with an 8% interest rate with one at a 6.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:
    Loan Amount Savings at 6.5%
    Monthly Annually
    $200,000 $200 $2,400
    $300,000 $300 $3,600
    $400,000 $400 $4,800
    $500,000 $500 $6,000
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Disclosure 24:
Refinance - Save up to $300 per month by refinancing
    Savings based on a refinancing a 30-year fixed-rate mortgage with an 8% interest rate with one at a 6.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:
    Loan Amount Savings at 6.5%
    Monthly Annually
    $200,000 $200 $2,400
    $300,000 $300 $3,600
    $400,000 $400 $4,800
    $500,000 $500 $6,000
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Disclosure 25:
Refinance - Save up to $400 per month by refinancing
    Savings based on a refinancing a 30-year fixed-rate mortgage with an 8% interest rate with one at a 6.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:
    Loan Amount Savings at 6.5%
    Monthly Annually
    $200,000 $200 $2,400
    $300,000 $300 $3,600
    $400,000 $400 $4,800
    $500,000 $500 $6,000
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Disclosure 26:
Refinance - Save up to $500 per month by refinancing
    Savings based on a refinancing a 30-year fixed-rate mortgage with an 8% interest rate with one at a 6.5% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:
    Loan Amount Savings at 6.5%
    Monthly Annually
    $200,000 $200 $2,400
    $300,000 $300 $3,600
    $400,000 $400 $4,800
    $500,000 $500 $6,000
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Disclosure 27:
15-year Fixed Rate as low as 5.5% (5.59% APR) - Disclosure current as of April 10, 2008.
  • The advertised loan is a 15-year fixed rate loan, assuming a $175,000 loan amount and a 5.5% interest rate.
  • This loan has monhtly principal and interest payments of $1,635 with $1,200 in discount points and closing costs due at closing.
  • The Annual Percentage Rate (APR) is 5.59%.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 29:
30-year Fixed Rate as low as 5.625% (5.845% APR) - Disclosure current as of April 10, 2008.
  • The advertised loan is a 30-year fixed rate loan, assuming a $175,000 loan amount and a 5.625% interest rate.
  • This loan has monthly principal and interest payments of $1,008 per month with 2 discount points and $700 in closing costs due at closing.
  • The Annual Percentage Rate (APR) is 5.845%.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 31:
Mortgage Rate as low as 5.625% (5.664% APR) - Disclosure current as of April 10, 2008.
  • The advertised loan is a 30-year fixed rate fully amortizing loan.
  • The interest rate is 5.625% with $850 in discount points and closing costs due at closing.
  • For a $200,000 loan, there is a 5.664% APR with monthly principal and interest payments of $1,152.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 45:
$175,000 for $1,008/Month Fixed for 30 years Fully Amortizing Loan - Disclosure current as of April 10, 2008.
  • The advertised loan is a 30-year fixed rate fully amortizing loan for $175,000.
  • The interest rate is 5.625%.
  • The monthly principal and interest payments are $1,008 with 2 discount points and $700 in closing costs due at closing.
  • The Annual Percentage Rate (APR) is 5.845%.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 49:
Do you have an adjustable rate mortgage (ARM)? Your Rate may increase by up to 60% or more. Refinance to a fixed rate now.
Savings claim based on a borrower with a 3/1 ARM with an initial introductory/discounted interest rate of 4%. If the adjusted interest rate is calculated at the 12-month LIBOR Index (assumed to be 4%) plus a margin of 2.75% with an initial adjustment cap of 2.5%, the initial adjusted interest rate will be 6.5% (4% + 2.5% = 6.5%). The adjusted interest rate of 6.5% is 62.5% greater than the initial interest rate of 4%. 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. Not available in all states. Rates are subject to change without notice. Individual savings may vary. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate.

Payment Example
Loan Amount
Savings at 6.5%
Monthly
Annual
$200,000 $200 $2,400
$300,000 $300 $3,600
$400,000 $400 $4,800
$500,000 $500 $6,000

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Disclosure 50:
Do you have an adjustable rate mortgage (ARM)? Your Payment may increase by up to 46% or more. Refinance to a fixed rate now.
Savings claim based on a borrower with a 3/1 ARM with an initial introductory/discounted interest rate of 4%. If the adjusted interest rate is calculated at the 12-month LIBOR Index (assumed to be 5.25%) plus a margin of 2.25% with an initial adjustment cap of 5%, the initial adjusted interest rate will be 7.495% (5.245 + 2.25% = 7.495%). The monthly payment on a $200,000 loan at 4% would be $954.83. The monthly payment for the adjusted interest rate of 7.495% is $1,398, which is 48% greater than the initial monthly payment at 4%. 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. Not available in all states. Rates are subject to change without notice. Individual savings may vary. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate.

Payment Example
Loan Amount
Savings at 6.5%
Monthly
Annual
$200,000 $200 $2,400
$300,000 $300 $3,600
$400,000 $400 $4,800
$500,000 $500 $6,000

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Disclosure 51:
Save up to 15% or more per Month. Refinance to a fixed rate loan now.
Savings claim based on a borrower with a 3/1 ARM with an initial introductory/discounted interest rate of 5% interest rate refinancing into a 30-year fixed rate interest-only loan, both for $225,000. If the adjusted interest rate is calculated at the 1-year treasury (assumed to be 5%) plus a margin of 2.75% with an initial adjustment cap of 2.5%, the initial adjusted interest rate will be 7.5% (5% + 2.5%). The monthly payment for the 3/1 ARM at 5% would be $1,208. The monthly payment at the adjusted interest rate of 7.5% would be $1,573. If refinanced into a 30-year fixed rate interest-only loan at an interest rate of 7%, the interest-only payment would be $1,313 which is a 16.5% savings over the adjusted payment for the 3/1 ARM. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, the location and type of property and other factors. Not available in all states. Rates are subject to change without notice. Individual savings may vary. This is not a credit advertisement for any particular program or an offered or marketed rate.
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Disclosure 52:
Save up to $250 or more per Month. Refinance to a fixed rate loan now.
Savings claim based on a borrower with a 3/1 ARM with an initial introductory/discounted interest rate of 5% interest rate refinancing into a 30-year fixed rate interest-only loan, both for $225,000. If the adjusted interest rate is calculated at the 1-Year Treasury Index (assumed to be 5%) plus a margin of 2.75% with an initial adjustment cap of 2.5%, the initial adjusted interest rate will be 7.5% (5% + 2.5%). The monthly payment for the 3/1 ARM at 5% would be $1,208. The monthly payment at the adjusted interest rate of 7.5% would be $1,573. If the borrower refinances into a 30-year fixed rate interest-only loan at an interest rate of 7%, the interest-only payment would be $1,313, which is a $260 savings per month over the adjusted payment for the 3/1 ARM. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, the location and type of property and other factors. Not available in all states. Rates are subject to change without notice. Individual savings may vary. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate.

Payment Example
Loan Amount
Savings at 6.5%
Monthly
Annual
$200,000 $200 $2,400
$300,000 $300 $3,600
$400,000 $400 $4,800
$500,000 $500 $6,000

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Disclosure 53:
Save up to $3,000 or more in interest in the first year. Switch to a 15-year fixed rate loan now.
Savings claim based on a borrower with a 3/1 ARM with an initial introductory/discounted interest rate of 5% interest rate refinancing into a 30-year fixed rate interest-only loan, both for $225,000. If the adjusted interest rate is calculated at the 1-Year Treasury Index (assumed to be 5%) plus a margin of 2.75% with an initial adjustment cap of 2.5%, the initial adjusted interest rate will be 7.5% (5% + 2.5%). The monthly payments for the 3/1 ARM at the adjusted interest rate of 7.5% would be approximately $18,672 in the first year. If refinanced into a 30-year fixed rate interest-only loan at an interest rate of 6.375%, the interest payments would be approximately $15,640 in the first year, which is a savings of $3,032. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, the location and type of property and other factors. Not available in all states. Rates are subject to change without notice. Individual savings may vary. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate.

Payment Example
Loan Amount
Savings at 6.5%
Monthly
Annual
$200,000 $200 $2,400
$300,000 $300 $3,600
$400,000 $400 $4,800
$500,000 $500 $6,000

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Disclosure 54:
LendingTree Lenders Beat the National Average on Rates.
Based on comparison of the APRs for offers made through LendingTree and offers reported in the 30-year FRM Primary Mortgage Market Survey® (PMMS®) compiled by Freddie Mac for the week of June 12, 2008 for the following consumer segment: 680+ FICO score, $150,000-$417,000 loan amount, less than or equal to a 80% loan-to-value ratio, single-family dwelling, primary home.
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Disclosure 55:
LendingTree Lenders Beat the National Average on Fixed Rates.
Based on comparison of the APRs for offers made through LendingTree and offers reported in the 30-year FRM Primary Mortgage Market Survey® (PMMS®) compiled by Freddie Mac for the week of April 10, 2008 for the following consumer segment: 680+ FICO score, $150,000-$417,000 loan amount, less than or equal to a 80% loan-to-value ratio, single-family dwelling, primary home.
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Disclosure 57:
5.29% APR for Auto Purchase Loans - Lender disclosure current as of May 13, 2008.
APR is the Annual Percentage Rate. Rates quoted depend on the loan type as well as the individual's credit and key loan characteristics, including amount, term, vehicle age and others. Advertised loan is a 60 month term, new vehicle purchase from a dealer, assuming a $20,000 loan amount and a 5.29% Interest Rate. Rates are subject to change daily without notice.
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Disclosure 58:
6.45% APR for Auto Refinance Loans - Lender disclosure current as of May 13, 2008.
APR is the Annual Percentage Rate. Rates quoted depend on the loan type as well as the individual's credit and key loan characteristics, including amount, term, vehicle age and others. Advertised loan is a 60 month term, used vehicle purchase from a private party, assuming a $21,000 loan amount and a 6.45% Interest Rate. Rates are subject to change daily without notice.
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Disclosure 62:
$200,000 for $1,232/Month Fixed for 30 years - Disclosure current as of June 20, 2008.
  • The advertised loan is a 30-year fixed rate fully amortizing loan.
  • The interest rate is 6.25% with 1 discount point and $2,000 in closing costs due at closing.
  • For a $200,000 loan, there is a 6.346% APR with monthly principal and interest payments of $1,232.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 63:
$300,000 for $1,751/Month Fixed for 30 years - Disclosure current as of April 10, 2008.
  • The advertised loan is a 30-year fixed rate fully amortizing loan.
  • The interest rate is 5.75% with .75 discount points and $1,800 in closing costs due at closing.
  • For a $300,000 loan, there is a 5.875% APR with monthly principal and interest payments of $1,751.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 64:
$400,000 for $2,303/Month Fixed for 30 years - Disclosure current as of April 10, 2008.
  • The advertised loan is a 30-year fixed rate fully amortizing loan.
  • The interest rate is 5.625% with $1,000 in discount points and closing costs due at closing.
  • For a $400,000 loan, there is a 5.648% APR with monthly principal and interest payments of $2,303.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Disclosure 65:
$300,000 for $1,680/month – Disclosure current as of April 30, 2008.
  • The advertised loan is a 3/1 ARM (Adjustable Rate Mortgage) with a 30-year term.
  • The initial interest rate is 5.375% for 3 years with 1.5 discount points and $2,000 closing costs due at closing.
  • After the initial period, the variable interest rate will adjust every year and equal the total of the 12-month LIBOR index (3.07%as of April 30, 2008) plus a margin of 2.25%.
  • There is no prepayment penalty.
  • At the end of the first 10 years, fully amortizing payments of principal and interest are required to pay the loan in full at the end of the 30-year term. This would increase your payment and vary based both on the outstanding balance of the loan and the interest rate.
  • The Annual Percentage Rate (APR) is variable and is subject to increase or decrease, so your payments may increase or decrease each year.
  • For a $300,000 loan, there is a 5.375% APR with initial monthly principal and interest payments of a $1,680.


    • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence
  • 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.
  • Standard closing costs apply.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
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Weekly Rate Disclosures
GetSmart (a service of LendingTree) is not the lender in any transaction. The rates and terms you are offered are the responsibility of the participating lenders and will vary based upon your loan request and determined by the lender(s) to whom you are matched. You may not be matched with the lender offering these rates. The assumptions made by the lender offering these rates are set forth below.
Today's Rate Assumptions

PURCHASE & REFINANCE
Products FICO Property
Type		 Occupancy
Status		 State CL TV(1) Max loan
Amount		 Prepay
Penalty(2)		 Points
Option ARM(3) 720+ SFR Primary Residence CA 80% $650,000 No 2.00
1 Month ARM (4) 720+ SFR Primary Residence CA 80% $359,650 No 2.00
3/1 Libor ARM (4) 720+ SFR Primary Residence CA 80% $359,650 No 2.00
15 Year Fixed (4) 720+ SFR Primary Residence CA 80% $359,650 No 2.00
30 Year Fixed (4) 720+ SFR Primary Residence CA 80% $359,650 No 2.00
30 Yr Fixed Jumbo (3) 720+ SFR Primary Residence CA 80% $650,000 No 2.00
Above quotes are with impounds.
HOME EQUITY
Products FICO Property
Type		 Occupancy
Status		 State CL TV(1) Max loan
Amount		 Prepay
Penalty(2)		 Points
25-year (10 yr draw/15-yr repay) 720+ SFR Primary Residence CA 80% $100,000 Yes N/A
15-Year Loan 720+ SFR Primary Residence CA 80% $200,000 Yes N/A
(1) CLTV above 80% may require private mortgage insurance. (PMI)
(2) No prepay option is available, but may change rate and points.
(3) P&I Payment calculation assumes a loan amount of $450,000.00.
(4) P&I Payment assumes loan amount of $200,000.00.

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