Mortgage Disclosure and Disclaimer

This document serves to disclose and clarify the nature of the preliminary estimates provided to you regarding interest rates, costs, and APR calculations for your mortgage inquiry. These figures are intended to offer a general idea of potential terms based on rough calculations and preliminary information. They are not binding, do not represent final terms, and

may vary significantly upon the submission of complete and verified details.

The interest rates, costs, and APR calculations shared with you are derived from initial data you provided, rough calculations conducted by our office, and preliminary information obtained from our lender partners. These figures are solely for informational purposes and are subject to change based on various factors, including but not limited to updated credit information, verified income and asset documentation, changes in market interest rates, underwriting adjustments, and other loan-specific considerations. Any reliance on these preliminary figures for financial planning or decision-making is strongly discouraged, as they may not reflect the actual loan terms for which you qualify.

Please be advised that these estimates do not constitute a guarantee of loan approval, specific interest rates, costs, or other terms. Final loan terms will be determined following a comprehensive review and underwriting process by the lender, which includes validation of all submitted information. Changes in your financial circumstances, additional documentation requirements, or variations in lender policies may further impact the final terms.

By signing this document, you explicitly acknowledge the preliminary nature of these figures and agree that no promises, guarantees, or assurances have been made regarding final loan terms. You understand and accept that the information provided may not accurately represent your final loan costs, and you assume full responsibility for seeking clarification or additional information if needed. Furthermore, you acknowledge that final disclosures provided by the lender will take precedence over any preliminary estimates, and it is your responsibility to review those disclosures carefully before signing any binding agreements.

Additionally, by signing below, you release Crown Mortgage of the West, LLC, its employees, agents, and representatives from any liability, claims, or damages arising from the use or reliance on these preliminary estimates. This includes, but is not limited to, any financial loss, inconvenience, or other consequences resulting from changes to the figures initially provided.

We strongly encourage you to consult with a licensed financial advisor or legal professional before making decisions based on this information. This document is intended to protect both parties and ensure transparency throughout the mortgage process.