Go Apply, LLC.
2600 Michelson, 2nd Floor
Irvine, CA 92612
General Information: 949-681-4884
Fax: 949-681-4874
E-mail: info@goapply.com

What is Go Apply, LLC.?

GoApply.com is a registered dba of Go Apply, LLC. a Nevada corporation with its corporate headquarters in Irvine, California ("Go Apply"). Go Apply is an electronic loan request aggregator. Go Apply is not a lender, auto financier or credit card issuer, nor are we insurance brokers. Go Apply does not make loans or credit decisions in connection with loans, nor does Go Apply issue commitments or lock-in agreements. Go Apply is not an agent of you, the consumer, or any participating bank, lender or loan broker (all of these hereinafter referred to as "Lenders"). Go Apply's services are administrative and consultative only. Consumers, Brokers and Lenders should rely on their own judgment in deciding which available loan product best suits their needs and financial means. Consumers are not charged a fee to use Go Apply services and are under no obligation to use Go Apply to commence the financing process and Go Apply does not guarantee that completing a loan quote request will result in your receiving a loan from a Lender. Go Apply receives its compensation from the Lenders for the goods, facilities and services actually provided by Go Apply.

The loan quote request a consumer submits is NOT an application for credit. Rather, it is a request for a loan quotation. Go Apply does not request, obtain or review consumer credit history reports as part of our services.

Go Apply, LLC. dba eLeadz. through its parent company, GO Holdings, Inc., a Delaware Corporation, has applied for and received Mortgage Broker License exemptions in the following states:

Alaska, Delaware, Hawaii, Kentucky, Louisiana, Missouri, Montana, Nevada, Wisconsin

Go Apply, LLC. currently holds the following state licenses:

Arizona
Arizona State Banking Department - Mortgage Broker License No. MB 0906817; Branch License No. MBBR-0108478

Arkansas
License No. 27745

California
State of California Department of Corporations - Mortgage Broker License No. 603-A701

Go Apply does not make mortgage loans or commitments.

The Housing Financial Discrimination Act of 1977 Fair Lending Notice
It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of:

a. 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

b. 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 residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this institution or the agency noted below.

Department of Real Estate
2201 Broadway
P.O. Box 187000
Sacramento, CA 95808-7000

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-1105

If your inquiry is forwarded to a Lender that makes you an offer, within three business days from the date you submit an application to the Lender you should receive from the Lender a good faith estimate required under RESPA and an initial disclosure statement required under the Truth in Lending Act. 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 which 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.

Mortgage Loan Disclosure Statement:

Go Apply will receive a fee from a Lender upon passing along your inquiry as compensation for its services as a mortgage broker. Go Apply receives this fee whether or not you close your loan. This is the total compensation Go Apply receives from the Lender for its services and the Lender pays this fee. I acknowledge that this mortgage broker fee will be paid to Go Apply and that there is no other mortgage broker fee agreement between us.

Colorado
Colorado Mortgage Broker License #MBR100010319

Connecticut
Go Apply is a BROKER ONLY and is NOT A LENDER.

Connecticut First Mortgage Broker License No. 20013

Connecticut Second Mortgage Broker License No. 20167

District of Columbia
DC Mortgage Broker License No. 5670

Financing Agreement

Any Lender you transact with through us shall issue a Financing Agreement in accordance with D.C. Code Ann. § 26-1013. The Financing Agreement must include the terms of the loan, the principle amount of the loan, a full explanation of the loan type, the interest rate and points and fees, and the duration of the finance agreement. This Financing Agreement must be executed by the Lender and must be delivered at least 72 hours before settlement.

Florida
Mortgage Brokerage Business License No. 528223

This disclosure is written to give you notice that Go Apply LLC. ("Go Apply") does not originate mortgage loans or commitments. Although Go Apply will forward your loan request to its participating lenders, Go Apply does not guarantee acceptance into any particular loan program.

Should you choose to apply for a mortgage loan with a participating lender, that lender will provide you with a Good Faith Estimate itemizing fees, including loan origination and/or other settlement service fees. The documentation you receive will also include information on whether any fees paid are refundable.

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

A LENDER IS ALLOWED TO REQUIRE THE USE OF AN ATTORNEY, CREDIT REPORTING AGENCY OR REAL ESTATE APPRAISER CHOSEN TO REPRESENT THE LENDER'S INTEREST

Georgia
Go Apply LLC
2600 Michelson Dr., Suite 200
Irvine, CA 92612

Georgia Mortgage Broker License # 20700

Idaho
Idaho Mortgage Broker License No. 4456

We do not act as a lender or credit provider. We will pass along the information you submit to our mortgage broker and/or lending partners and these party(s) will contact you with additional information/offers.

We do 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.

We provide a service to the consumer at no cost to the consumer. We will not charge or seek fees of any kind from you. We will receive flat fees from broker/lender partners and may be paid based on services, goods or facilities performed or provided by us to the broker/lender.

This agreement remains in effect only as long as you seek to use the services offered by us. 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
Illinois Residential Mortgage Licensee license No. MB.6760121

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 thereunder (38 Ill. Adm. Code 1050). The purpose of this 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 Go Apply, LLC. 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:

Go Apply LLC, a Nevada Limited Liability Corporation, is a mortgage broker and not a lender. Go Apply provides mortgage information at no cost to you. Go Apply will not charge or seek fees of any kind from you. Go Apply will forward your inquiry to our lending partners and our lending partners will contact you with their offers. Go Apply does not distribute the products of all lenders and therefore cannot guarantee the lowest price or best terms available in the market and cannot guarantee the lowest price or best terms available in the market.

Go Apply receives fees from lending partners and may be paid by the lender based the services, goods or facilities performed or provided by us to the lender.

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.

A participating Lender may provide you with a Borrower Information Document pursuant to the Residential Mortgage License Act of 1987. You may also receive a list of documents and materials required to complete your loan application with the Lender.

Illinois Department of Financial and Professional Regulation
Division of Banking
122 So. Michigan Ave
Ste. 1900
Chicago, IL 60603
(312) 793-3681

Iowa
State of Iowa, Division of Banking - Mortgage Broker License No. MBR-2004-0244

Kansas
Mortgage Company License No. 2005-5015

Go Apply
2600 Michelson Dr., Suite 200
Irvine, CA 92612

Go Apply is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Maine
Loan Broker License #CS07297

The State of Maine requires certain disclosures below before signing a contract or paying fees to a credit services organization. Please print out this information and keep for your records to acknowledge reading and receiving a copy of these disclosures.

Escrowing of Consumer Funds: We will receive no fees of any kind at any time from consumers or prospective borrowers. We do not charge Prospective Borrower a fee for services provided and will at no time seek or charge fees of any kind from Prospective Borrowers. We receive a fee from the lender for marketing Prospective Borrower's potential loan product business to the lender.

We will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. We represent the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. We do not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available in the market.

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 information 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
Maryland Mortgage Lender License No. 13657

We do not accept or solicit any fees or payments from consumers. If you submit an inquiry to us and your inquiry is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders as per Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must contain the following: (1) the term and principal amount of the loan; (2) an explanation of the type of mortgage loan being offered; (3) the rate of interest that will apply to the loan, 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; (4) any points to be paid by the borrower or the seller; and (5) the effective term of the Financing Agreement.

Massachusetts
Massachusetts Mortgage Broker License MB-4333

In accordance with Massachusetts General Law, Chapter 184, Section 17B, we must advise you that the responsibility of the attorney for the mortgagee is to protect the interest of the mortgagee and the mortgagor may, at his own expense, engage an attorney of his own selection to represent his own interests in the transaction. In addition, the mortgagor shall, if applicable, provide you with the approximate expiration date of the note, the rate of interest charged, and that the mortgagee may demand payment of 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.

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.

MORTGAGE BROKER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTION REGULATIONS

Go Apply
2600 Michelson Dr., Suite 200
Irvine, CA 92612
Mortgage Broker License Number: 73129

We act as your mortgage broker. We do not make mortgage loans and cannot guarantee acceptance into any particular loan program or promise specific loan terms or conditions. We will not charge a fee to consumers to arrange a mortgage loan from the mortgage lender. We receive payment from our partner brokers and lenders for marketing services provided which links consumer to loan products. As a consumer, your submitted information will be forwarded to partner lender(s) who will be able to obtain a mortgage loan for you based on the information provided.

We will perform the following services for you: (i) make available a website based mortgage information request form; (ii) transmit completed mortgage information inquiries to partner lenders.

Michigan
Michigan - Mortgage Broker License No. FL 0010924

Minnesota
Minnesota Residential Mortgage Originator License No. MO 20445218

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

Mississippi
Mississippi - Mortgage Broker License #610/2006

Nebraska
Mortgage Broker License No. 1480

New Hampshire
State of New Hampshire, Banking Department - First Mortgage Broker License No. 10957-MBR

New Mexico
New Mexico Mortgage Loan Company and Loan Broker Act - Certificate No. 02255

North Dakota
State of North Dakota, Department of Financial Institutions - Money Broker License No. MB 101589

Oklahoma
Credit Service Organization License No. CSO-00415

Oregon
Oregon License No. ML-3789

Pennsylvania
Licensed by the Pennsylvania Department of Banking
First Mortgage Broker License No. 17323

If you choose to transact with a Lender, the Lender may require you to pay an application fee to cover the costs of an appraisal, credit report or other items. The Lender determines the fee amount. Your loan documents will disclose whether these fees are refundable or nonrefundable.

Variable Interest Rate Disclosure

Pennsylvania's Loan Interest and Protection Law is applicable to loans of $50,000 or less. Under this law, a Lender offering a mortgage with a variable interest rate is required to offer a mortgage with an interest rate that will not change. This fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain how the interest rate can change in the future, an explanation of the index and the effect of changes in the index on the rate and term.

Rhode Island
Mortgage Broker License No. 20062074LB

South Dakota
State of South Dakota, Division of Banking - Mortgage Broker License Certificate No. 580

Tennessee
Tennessee - Mortgage Broker License No. 0000002794

Vermont
Vermont Mortgage Broker License #0833MB

Vermont Residents
Go Apply LLC. acting in a brokerage capacity, will link Prospective Borrowers to our Qualified Network of lenders; one or more lenders will contact the Prospective Borrower directly with loan product offerings. Go Apply LLC. is not a lender or credit provider and Go Apply LLC. does not make loans to Prospective Borrowers. Go Apply LLC. represents the interests of Prospective Borrower while performing these services; the services are consultative only. Prospective Borrower will rely on his/her judgment to decide which loan product best suits them. Prospective Borrower is not relying on Go Apply LLC. to select a product for him/her. Go Apply LLC. does not distribute the products of all lenders or credit providers in the marketplace and does not guarantee that Prospective Borrower will receive the lowest price or best terms available on the market.

Go Apply LLC. does not charge Prospective Borrower a fee for services provided. Go Apply LLC. will at no time seek or charge fees of any kind from the Prospective Borrower. Go Apply LLC. receives a fee from the lender for marketing Prospective Borrower’s potential loan product business to the lender. Prospective Borrower(s) and Go Apply LLC. agree to the above terms and conditions. Prospective Borrower(s) authorize(s) the release of all information required by the lender relating to the disposition and status of the mortgage application. This agreement should be printed and retained for your records.

Virginia
Licensed by Virginia State Corporations Commission. Virginia License No. MB-2714

West Virginia
West Virginia MB License No. 22523

Wyoming
Wyoming - Mortgage Broker License MBL-1551

Revised 09/05/2007