Site Disclosures

Rates Assumptions:

Conforming loan Annual Percentage Rate (APR) calculations assume a fully documented loan amount of $300,000 on an acceptable owner-occupied detached single family residence (SFR) with a loan-to-value ratio (LTV) of less than 70% and an impound account for taxes and insurance. APR calculation assumptions include an impound account for taxes and insurance, 15 days prepaid interest at closing, and no subordinate financing and that borrower will provide full income documentation. Rate and term refinance. Available first mortgage rates and fees may vary depending upon your property's location. Restrictions apply.
Jumbo loan APR calculations assume a fully documented loan amount of $450,000 on an acceptable owner-occupied detached SFR with a LTV ratio of less than 65% and an impound account for taxes and insurance. APR calculation assumptions include an impound account for taxes and insurance, 15 days prepaid interest at closing, and no subordinate financing. Rate and term refinance. Restrictions apply.
Rates will be higher for loan amounts lower than $150,000 and over $417,000. Rates shown on website assume the borrower(s) FICO according to the chosen Credit Rating—Excellent 720; Good 680; Fair 620; Poor 500. Restrictions apply.
Adjustable rate mortgage APR calculations are based upon the index and investor based margins.
Subject to underwriter approval; not all applicants will be approved.

Loan Program Disclosures:

"Closing Costs Guaranteed" means that the lender's fees for your loan application will not change between the time you apply and the time you close, assuming the following: The loan amount does not change, the rate and points option you choose does not change, the loan program you applied for does not change, and any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for do not change.

"No fees prior to closing" means that Greenlight Financial Services does not charge up-front fees for a loan application. This does not apply to optional "lock fees" that may be charged up-front if you choose an extended lock option when you first apply for your loan.

No Hidden Fees means that Greenlight Financial Services will disclose any and all fees associated with a loan transaction.

Flat Fee Program means that escrow, appraisal, notary, processing, lender title, mortgage recording, loan application and Fedex fees will be included as part of the lender's fee.

Rate Locks are not allowed on the following lien/loan types in the noted states:

On 1st lien loans, rate locks are not permitted in Colorado, Minnesota, New York, Texas and Virginia.
Rate locks are not permitted on any loans in Georgia, Idaho, Indiana, and South Carolina
On purchase money loans, rate locks are not permitted in the Louisiana.

Important Terms of the 30 Year Fixed 1st 5.99% Special:

On $300,000 with a fixed rate of 5.990%, 6.113% APR, there are 360 monthly payments of $5.99 per $1000. Offer extends to loans up to $650,000, loan to value up to 65% with impound accounts and minimum 720 FICO. Rate effecitve as of 9/18/2008. Limited time offer. Not all applicants will be approved. Restrictions may apply. Taxes and insurance charges not included.

Guaranteed Lowest Rate and Fees Disclosures:

Greenlight Financial Services will beat any competitor's rate (Annual Percentage Rate) and fees. We guarantee the lowest rate and fees. If the applicant believes Greenlight cannot beat the rate and fees from a competitor, the applicant must provide to Greenlight Financial Services a copy of the competing lender's complete system generated Good Faith Estimate (or other evidence of the competing lender's Annual Percentage Rate and fees). The Good Faith Estimate must include the lender's name and be dated the same day that Greenlight Financial Services provided an interest rate and fees quote for a loan greater than $100K with the same terms and conditions as the competitor's quote.

Upon receipt of the competing Lender's Good Faith Estimate, Greenlight Financial Services will verify the accuracy of the Annual Percentage Rate and Fees noted on the Good Faith Estimate. Once confirmed that the competing Lender's Good Faith Estimate shows a lower Annual Percentage Rate and fees combination for an identical loan program offered by Greenlight Financial Services, then Greenlight Financial Services will have the option of 1) beating the lender's fees by $ 50.00 or 2) paying the applicant $500.00. If Greenlight Financial Services chooses option 2, the $500.00 will be paid after the borrowers loan is closed with the competing lender and Greenlight Financial Services is provided with a copy of the signed Note and final HUD1 Settlement Statement.

This Lowest Rate and Fees offer is valid for 1st mortgage loans only. Loans must be secured by properties located in the United States, primary residences only, excludes rental properties.

Fee comparisons for this offer will not include interim interest or funds designated to set up an impound (escrow) account. All other fees will be part of the comparison.

Applicants must complete a mortgage loan application and provide authorization for Greenlight Financial Services to pull a credit report. Based upon these items, Greenlight will determine which loan products you meet all qualification requirements and provide you with the best rate and fees.

This lowest rate and fees offer expires December 31, 2008 and may be withdrawn at any time upon the sole discretion of Greenlight Financial Services.

Full/Short Application Disclosures:

Full Applications Completed and Approved Online: The rates, loan fees, and loan programs that are provided to borrowers who choose, complete and get approved through a full online application are not available to those who choose to complete a short application. The online electronic full application exclusively provides benefits to the borrower that result from all of the cost savings associated with doing business via the Internet. These quoted interest rates, loan fees and loan programs are only available to those who have the ability to successfully complete and get an online loan approval.

Full Applications Completed and Not Approved Online: If a borrower completes a full online loan application but is not approved such borrower will have the opportunity to work with a Greenlight loan consultant to get a loan. The rates, loan fees and loan programs that are advertised and quoted to those borrowers who have been approved via a full online loan application are exclusively available for the successful online applicant.

Full Applications Partially Completed Online: If the borrower initiates a full online application but abandons the application before completion, the rates, loan fees and loan programs that are advertised and quoted will not be available if the loan is completed via a Greenlight loan consultant.

Short Applications Completed Online: Those persons who complete a short application online will not receive the loan rates, loan fees, or loan programs that are exclusively reserved for the full applications completed and approved online.

Restrictions apply. Rates subject to change without notification. Not all loan applicants may qualify. Equal Housing Lender.