Rhino Lending - Licenses and Disclosures

Rhino Lending Licenses and Disclosures

Last Updated: February 12, 2009

Rhino Lending Inc.
43 East Crystal Lake Ave.
Suite C
Crystal Lake, IL 60014
Customer Service: 877.9.RHINO.9
Customer Service: (877.974.4669)
Fax: (815) 455-5557
E-mail: customercare@rhinolending.com

Rhino Lending Disclosures
General. Rhino Lending Inc. is an Illinois corporation with its corporate headquarters in Crystal Lake, Illinois. Any reference in this Licenses and Disclosures to "we" or "us" or similar words shall refer to Rhino Lending Inc. unless otherwise indicated, all such entities referred to as "Rhino Lending". Any reference in Licenses and Disclosures to "you" or "your" means the person(s) using the Rhino Lending Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of Rhino Lending offered through alternative methods. Rhino Lending is a computerized loan originator for mortgage loans performing marketing services for lenders and provides other services for non-mortgage loans. Rhino Lending is not a lender, auto lessor or credit card issuer. Rhino Lending does not take applications, make loans or credit decisions in connection with loans, nor does Rhino Lending issue commitments or lock-in agreements. Except as otherwise provided below for your state, Rhino Lending is not an agent of you, any participating bank, lender, mortgage broker or loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). Rhino Lending’s services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use Rhino Lending to commence the matching and request process and Rhino Lending does not guarantee that completing a request will result in you being matched with a Lender or Provider, receiving an offer from a Lender or Provider, or receiving a loan or service from a Lender or Provider.

Fees. Rhino Lending does not charge you any fee for its services. Rhino Lending receives its compensation from the Lenders or Providers for the goods, facilities and services provided by Rhino Lending. Rhino Lending's compensation varies by product and service. Computerized marketing fees paid by the Lender may be included in your rate, points or term and will be shown on your settlement statement. Although some state licensing laws treat fees paid in exchange for computerized marketing services as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details.

Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fee and should provide information to you regarding the refund ability of any such fee.

Federal Disclosures. Any loan request will be forwarded to Lenders and these Lenders may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs; HUD mandated booklets "Guide to Settlement Costs" and/or "When your Home is on the Line"; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, 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 (provided the applicant has the capacity to enter into a binding contract), 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 agency that administers compliance with this law varies by Lender depending on its lending authority, may include the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

About Rhino Lending Loans
Your loan request may be matched with Inlanta Mortgage. Inlanta Mortgage is a licensed mortgage lender/broker authorized to do business in varied states. Inlanta Mortgage specializes in certain types of consumer loan requests. Inlanta Mortgage makes loans and earns fees for its services separate from Rhino Lending Inc. You may be matched with Inlanta Mortgage as one of your competing lenders or as your only lender. Rhino Lending has the ability to provide you with multiple offers without you having to talk directly with different lenders and loan officers. Please see the Terms of Use Agreement for more information on the Rhino Lending process. If you happen to be matched with Inlanta Mortgage, they will provide you with their licensing information upon request and as required by law.

PURSUANT TO LENDINGTREE'S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

State Licenses and Disclosures

For some states, required disclosures are included above in the Inlanta Mortgage Disclosures section.

Alabama
N/A

Alaska
N/A

Arizona
N/A

Arkansas
N/A

California
N/A

Rhino Lending does not make mortgage loans or commitments.

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit an application with the Lender. If the Lender denies your request for credit and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency that compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.

An applicant, if married, may apply for a separate account / credit.

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE

IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR

2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.

IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.

THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.

IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

Department of Corporations:

320 West 4th Street, Suite 750
Los Angeles, CA 90013-2344
Phone: (213) 576-7500

71 Stevenson Street, Suite 2100
San Francisco, CA 94105-2980
Phone: (415) 972-8559

1515 K Street, Suite 200
Sacramento, CA 95814-4052
Phone: (916) 445-7205

1350 Front St., Room 2034
San Diego, CA 92101-3697
Phone: (619) 525-4233

Toll-Free Phone (all locations): (866) 275-2677
Website: http://www.corp.ca.gov

Connecticut
N/A

District of Columbia
N/A

If your loan request is forwarded to our participating Lenders, you may be issued a financing agreement by the Lenders in accordance with D.C. Code Ann. § 26-1113. If provided, the financing agreement will provide: (A) the term and principal amount of the loan; (B) an explanation of the type of mortgage loan being offered; (C) the interest rate and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) the points and fees, if any, to be paid by you; and (E) the term during which the financing agreement remains in effect. This financing agreement must be executed by the Lender and must be delivered as least 72 hours before settlement.

DISCLOSURE OF DUAL CAPACITY: LENDINGTREE HAS OFFERED TO ASSIST YOU IN OBTAINING A MORTGAGE LOAN REQUEST. IF WE ARE SUCCESSFUL IN OBTAINING A LOAN REQUEST FOR YOU, LENDINGTREE WILL RECEIVE A FEE FROM THE LENDER. IF YOU ALSO USE LENDINGTREE’S REAL ESTATE NETWORK, LENDINGTREE MAY RECEIVE AN ADDITIONAL FEE IN CONNECTION WITH THE SALE OR PURCHASE OF THE REAL ESTATE THAT WILL SECURE THE LOAN. LENDINGTREE DOES NOT REPRESENT ALL OF THE LENDERS IN THE MARKET, AND THE LENDERS LENDINGTREE DOES REPRESENT MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU. YOU ARE FREE TO SEEK A LOAN WITHOUT OUR ASSISTANCE. YOU ACKNOWLEDGE HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED A COPY HEREOF.

Florida
Florida Correspondent Mortgage Lender License No. ___________

Rhino Lending does not make mortgage loans or commitments. Nor can Rhino Lending guarantee acceptance into any particular loan program by any participating Lender, or promise any specific loan terms or conditions. If your loan request is forwarded to our participating Lenders, you may receive from such Lenders, a good faith estimate of the credit report fee, property appraisal fee, or any other third party fees required in connection with your loan. The documentation you receive will include the terms and conditions for obtaining a refund for said fees.

YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM LENDINGTREE OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY LENDINGTREE. HOWEVER, LENDINGTREE RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

Georgia
N/A

Hawaii
N/A

Idaho
N/A

Rhino Lending does not act as a lender or credit provider. Rhino Lending will pass along the information you submit to our Lenders and the Lenders will contact you with additional information/offers. Rhino Lending does not distribute the products of all Lenders or investors in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market.

Rhino Lending provides its services to you at no cost to you. Rhino Lending will not charge or seek fees of any kind from you. Rhino Lending will receive fees from the Lenders and may be paid based on fees for services, goods or facilities performed or provided by us to the Lenders.

This agreement remains in effect only as long as you seek to use the services offered by Rhino Lending. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment charge. A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement.

Interest Rate Lock Information: An interest rate that is not locked in is subject to change.

Illinois
N/A

If your loan request is forwarded to our participating Lenders, a Borrower Information Document may be provided to you by the Lender you select pursuant to the Residential Mortgage License Act of 1987 and Rules promulgated there under (38 Ill. Adm. Code 1050). The purpose of that Document is to set forth those exhibits and materials you should receive or be receiving in connection with your residential mortgage loan application with the Lender based on your request to Rhino Lending. You may also receive from the Lender you select a list of documents and materials required to complete your loan application with the Lender.

Loan Brokerage Agreement and Broker Disclosure Statement

Rhino Lending, LLC, a Delaware limited liability company, is a mortgage broker and not a lender. Rhino Lending provides mortgage information at no cost to you. Rhino Lending will not accept charge or seek fees of any kind from you. Rhino Lending will transmit your request for information to our Lenders and the Lenders will contact you with their offers. Rhino Lending does not distribute the products of all Lenders and therefore cannot guarantee the lowest price or best terms available in the market. Rhino Lending receives fees from lending partners based on the services, goods or facilities performed or provided by us to the Lenders. Rhino Lending cannot guarantee acceptance into any particular loan program or promise you any specific loan terms or conditions. The Lender you select will provide the funds for your loan, and is responsible for the availability of those funds.

This agreement remains in effect only as long as you seek to use our services. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

Illinois Department of Financial and Professional Regulation
Division of Banking
122 S. Michigan Avenue, Suite 1900
Chicago, IL 60603
(312) 793-3000

Indiana
N/A

Kansas
N/A

Kentucky
N/A

Rhino Lending is not acting as an agent for you in your try to obtain a mortgage loan before any personal financial information may be obtained by the mortgage loan broker.

Louisiana
N/A

The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, see an attorney before you sign a loan contract.

Maine
N/A

Maine law requires that the disclosures below be provided to consumers before any contact is signed with, and before any money is paid to, a credit services organization or third parties.

Written Agreement or Contract

Please print out this information and save it for your records. You acknowledge reading and receiving a copy of this Disclosure to Consumer.

Rhino Lending will not act as your lender or credit provider. Rhino Lending provides your loan request to our Lenders and our Lenders will contact you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all Lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

Rhino Lending provides mortgage information at no cost to you. Rhino Lending will not charge or seek fees of any kind from you. Rhino Lending receives fees from Lenders and may be paid by the Lender based on services, goods or facilities performed or provided by us to the Lender.

It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.

Escrowing of Consumer Funds

Rhino Lending does not accept any fees from the consumer, including third party fees.

Consumer Protection Bond

A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035

Maryland
N/A

Rhino Lending does not accept or solicit any fees or payments from consumers. If you submit a loan request to Rhino Lending and your loan request is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by you; and (5) the term during which the Financing Agreement remains in effect.

Massachusetts
N/A

If your loan request is forwarded to our participating Lenders, be advised that under Massachusetts General Law ch. 184, § 17B: (1) the responsibility of the attorney for a Lender is to protect the Lender’s interests, (2) you have the right to engage your own attorney to represent your interest in the transaction, at your expense, (3) the approximate expiration date of the Note (see your Loan Information Page for the term of your loan), and (4) please be aware that as of the expiration date of the Note, the Lender may demand payment of the Note, may rewrite the Note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the Note at the same, or a lesser or greater rate of interest.

The federal Equal Opportunity Act and comparable provisions of Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant’s income derives from any public assistance program. The federal Equal Credit Opportunity Act also prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The state agency that administers compliance with the state law is the:

Massachusetts Commission Against Discrimination
One Ashburton Place
Boston, Massachusetts 02108

Michigan
N/A

Minnesota
N/A

RHINO LENDING IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE LENDINGTREE WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.

The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.

Mississippi
N/A

Missouri
N/A

Loan Brokerage Agreement and Loan Broker Disclosure Statement

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You, or your attorney, are entitled to a copy of this agreement. The below is provided pursuant to the Residential Mortgage Brokers License Act and related rules. Rhino Lending, LLC (formerly known as Rhino Lending, Inc.) is regulated by the Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your Lender will provide you with any additional required documentation.

Rhino Lending, LLC, formerly known as Rhino Lending, Inc., is an Illinois Corporation with its corporate headquarters in Crystal Lake, Illinois. Rhino Lending is a computerized marketing company. Rhino Lending does not take applications, make loans or credit decisions in connection with loans, nor does Rhino Lending issue commitments or lock-in agreements. Rhino Lending is not an agent of you, any participating bank, lender, mortgage broker or loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). Rhino Lending’s services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use Rhino Lending to commence the matching and request process and Rhino Lending does not guarantee that completing a request will result in you being matched with a Lender or Provider, receiving an offer from a Lender or Provider or receiving a loan or service from a Lender or Provider.

Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fee and should provide information to you regarding the refund ability of any such fee.

Rhino Lending will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

This agreement is dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records.

Montana
N/A

Nebraska
N/A

Nevada
N/A

New Hampshire
N/A

New Jersey
N/A

New Mexico
N/A

New York
Disclosures: Rhino Lending does not make mortgage loans or commitments; cannot guarantee acceptance into any particular loan program, nor promise any specific loan terms or conditions; is paid by the Lender for its services; and, does not charge you any fee for its services. Certain mortgage loan products impose a prepayment penalty on the borrower and the amount of, or the formula for calculating, the prepayment penalty, if any, and the terms of the prepayment penalty, if any, will be disclosed to the borrower by the Lender as soon as they are known, but no later than the issuance of the commitment (if any), for the loan product chosen by the borrower.

You understand that you may address questions or comments about your loan request by calling 877.466.0544, or by electronic mail to customercare@lendingtree.com.

North Carolina
North Carolina Mortgage Broker License No. B-113401

Rhino Lending does not make mortgage loans or commitments. Nor can Rhino Lending guarantee acceptance into any particular loan program by any Lender, or specific loan terms or conditions. You may be required by the Lender to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

North Dakota
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204.THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS.

If your loan request is forwarded to one or more participating Lenders, you will receive from the Lenders detailed information about your loan, including the loan amount, interest rate, points, fees and other terms.

Ohio
N/A

Oklahoma
N/A

Information Statement

Rhino Lending Inc. Main Office
43 E. Crystal Lake Ave.
Suite C
Crystal Lake, IL 60014

Rhino Lending is required by Oklahoma law to provide this information statement before the execution of a contract or before the receipt of any money or other valuable consideration, whichever occurs first.

1. You have the right to review any file maintained by any consumer credit reporting agency, as provided under the Federal Fair Credit Reporting Act, 15 USC Sec. 1682 through 1681t.

2. You have the right to review the above mention file at no charge if a request is made to the consumer credit reporting agency within thirty (30) days after receiving notice that credit has been denied. If credit was not denied, the approximate price to review such file is $14, as set by the credit reporting agency.

3. You have the right to dispute the completeness or accuracy of any item contained in your file which is maintained by a consumer credit reporting agency.

4. The following paragraphs describe Rhino Lending’s fees and services:

a. Rhino Lending is a computerized marketing service; it is not a lender and does not make loans or credit decisions in connection with loans. Rhino Lending will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

b. Rhino Lending does not charge you, the consumer, a fee to use our services. Rhino Lending is paid by its participating Lenders for the goods, facilities and services provided.

c. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

d. Rhino Lending does not endorse, recommend or favor the products of any participating Lender. Rhino Lending is not an agent of you or any participating Lender. Rhino Lending’s services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use Rhino Lending to commence the financing process, and Rhino Lending, does not guarantee that completing a loan request will result in your receiving a loan from one of our participating Lenders.

e. You have the right to proceed against the bond that Rhino Lending is required to maintain. The name and address of the surety bond company that issued the bond is Aon Risk Services, 199 Water Street, 11th floor, New York, NY 10038.

Your submission of a loan request will serve as acknowledgement of your receipt of the above Information Statement.

Agreement

This agreement is made between you, the Buyer and Rhino Lending Inc. (“Rhino Lending”). This agreement is dated the date of your loan request to Rhino Lending. By submitting the loan request, you agree to the terms of this agreement.

1. Rhino Lending is a computerized marketing service. It is not a lender and does not make loans or credit decisions in connection with loans. Rhino Lending will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law.

2. Rhino Lending does not charge you, the consumer, a fee to use our service. Rhino Lending is paid by its participating Lenders for the goods, facilities and services provided. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

This agreement is dated as of the date you submit your loan request.

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation, within five (5) days from the date the contract is signed.

If you cancel any payment made by you under this contract, it will be returned within ten (10) days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to Rhino Lending, LLC, the operator of this website at 43 E. Crystal Lake Ave. Suite C Crystal Lake, IL 60014 not later than midnight on the day five (5) days after the date you submit the loan request.

I hereby cancel this transaction.

Sign: ___________________
Print: ___________________
Date: ___________________

Oregon
N/A

Pennsylvania
N/A

If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

Variable Interest Rate Disclosure

On residential mortgage loans of $50,000 or less, if the Lender offers to give you a mortgage with a variable interest rate, you are entitled by law to also be offered a mortgage with an interest rate that will not change. By law, this fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.

Rhode Island
N/A

South Carolina
N/A

For South Carolina residents, Rhino Lending is not acting as your agent in providing services. In providing those services Rhino Lending will provide you with the utmost care, honesty and loyalty in the transaction, including full disclosure of all material facts. Rhino Lending agrees to provide the following services to you:

Based on the information you provide to Rhino Lending and that Rhino Lending may receive from credit bureaus if authorized by you, Rhino Lending will provide you with multiple conditional loan offers through its network of nonaffiliated U.S. based banks, thrifts, mortgage brokers, mortgage bankers and finance companies (“Lenders”). To determine which Lenders may be matched with you, Lenders provide to us criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. Rhino Lending will provide your information to up to five Lenders whose criteria match your profile. If fewer than five Lenders match your profile, you will receive conditional loan offers from fewer than five Lenders. If more than five Lenders match your profile, Rhino Lending will match you with five Lenders with a preference for those Lenders that have the highest customer satisfaction scores and the best record of making loans to previous Rhino Lending customers. If you are requesting a home equity loan or home equity line of credit, we may match you with up to four Lenders based on the above criteria as well as Rhino Lending Loans.

Rhino Lending is a computerized marketing service. It is not a lender and does not make loans or credit decisions in connection with loans. Rhino Lending does not endorse recommend or favor the products of any Lender. Rhino Lending is not an agent of any Lender. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use Rhino Lending to commence the financing process and Rhino Lending does not guarantee that completing a loan request will result in your receiving a loan from any Lender.

Rhino Lending does not charge you a fee to use our service. Rhino Lending is paid a Computer Marketing System.

If your loan request is forwarded to a Lender, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refund ability of any fees paid.

This Mortgage Broker Loan Agreement is dated as of the date you submit your loan request and is valid for ninety (90) days. For loan request information, including your name, the requested loan amount, lien priority and the date of your request, please see your Loan Information Page displayed prior to the submission of your loan request, which is incorporated herein by reference. For interest rates and fees applicable to your loan request, see the Lender responses to your request. Rhino Lending does not have any involvement in the setting of interest rates and fees on your request. Please print and retain a copy of this Mortgage Broker Loan Agreement and the Loan Information Page for your records.

Tennessee
N/A

At this time, Rhino Lending does not accept loan requests for auto, credit card or personal loans from Tennessee residents, nor does Rhino Lending accept loan requests for home equity loans secured by Tennessee property.

Texas
N/A

MORTGAGE BROKER/LOAN OFFICER DISCLOSURE

Mortgage Broker: Shan Guo, Rhino Lending, LLC's Designated Representative

Duties and Nature of Relationship

You, the applicant(s), have requested assistance in obtaining a residential mortgage loan. We will submit your loan request to a participating Lender which we may from time to time contract upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various Lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market.

How Rhino Lending, LLC will be compensated

Rhino Lending Inc will not charge you a fee to use its services. Rhino Lending Inc receives its compensation from the Lender for the goods, facilities and services actually provided by Rhino Lending Inc.

These fees are paid by the Lender and are not refundable under any conditions.

The estimated fee which Rhino Lending Inc will receive at closing will be as shown on the good faith estimate which the Lender will provide to you within three (3) days of application with such Lender in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations.

LENDINGTREE, LLC IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST LENDINGTREE, LLC SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT http://www.sml.state.tx.us OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT SML@SMLINFO.STATE.TX.US.

THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE.

Utah
N/A

Vermont
N/A

Rhino Lending does not charge you a fee to use the Rhino Lending service.

Rhino Lending receives fees from our participating Lenders for transmitting your loan request to the Lenders and for closed loans that were originated through the Rhino Lending service.

Virginia
N/A

Washington
N/A

You are not required to use Rhino Lending’s computerized marketing services to obtain a residential mortgage loan; and that the full range of loans available as offered by Lenders may not be listed on Rhino Lending’s computerized marketing services system, and different terms and conditions, including lower rates, may be available from others not listed on the system.
If your loan request is forwarded to one or more participating Lenders you may receive from the Lenders a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA.

The interest rate quoted in connection with the loan you select is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and the Lender. Rhino Lending does not offer lock-in agreements and does not guarantee any rate of interest quoted by a participating Lender. If you enter a lock-in agreement with the Lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by the Lender.

Rhino Lending will not collect any fees from you in connection with your completion of a loan request. All fees will be collected from and payable by the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you.

If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act.

Washington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.

West Virginia
N/A

Wisconsin
N/A

Rhino Lending provides mortgage services at no cost to you. Rhino Lending will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by Rhino Lending; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship.

Rhino Lending does not act as a lender or credit provider. Rhino Lending will forward your loan request to participating Lenders and one or more Lenders will provide you with their loan product offers. Rhino Lending does not distribute the products of all lenders in the market and cannot guarantee the lowest price or best terms available in the market.

Rhino Lending receives fees from participating Lenders and may be paid services, goods or facilities performed or provided by us to the Lender.

Wyoming
N/A

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS