Disclosures.

Dwelling Place Mortgage LLC is a licensed mortgage company in the State of Texas. Our company NMLS identifier is #2831640. Verify our license at NMLS Consumer Access.

Main office: 1401 Mesa Flats Dr, Haslet, TX 76052. Phone 318-393-5942 · Email Jdeprang@Dwellingplacemortgage.com.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

Pursuant to the requirements of Section 157.007 of the Mortgage Broker License Act, Chapter 156, Texas Finance Code, and the rules of the Texas Department of Savings and Mortgage Lending,Dwelling Place Mortgage LLC provides the required Texas Mortgage Company Disclosure to applicants upon receipt of a loan application.

Dwelling Place Mortgage is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, handicap, familial status, or because all or part of an applicant's income is derived from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The federal agency that administers our compliance with the Equal Credit Opportunity Act is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

Dwelling Place Mortgage LLC is committed to fair lending. All credit decisions are made without regard to any prohibited basis, and loan pricing is based on legitimate risk-based factors such as credit history, loan-to-value, debt-to-income, occupancy, and property type.

The information on this website is for informational purposes only and is not an offer to lend, a commitment to lend, or a promise to extend credit. All loans are subject to credit, income, asset, appraisal, and property approval. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions and limitations may apply.

Interest rates and Annual Percentage Rates (APRs) shown or discussed are for illustrative purposes only, reflect market conditions at a specific point in time, and are subject to change without notice. Your actual rate, APR, payment, and closing costs depend on credit score, loan-to-value, loan amount, occupancy, property type, lock period, and other factors. A Loan Estimate disclosing your specific terms will be provided within three business days of a completed application, as required by the TILA-RESPA Integrated Disclosure rule.

Dwelling Place Mortgage LLC operates as a mortgage broker. We are not acting as your agent and do not distribute the products of all lenders in the market. We shop your loan among our approved wholesale lender partners to identify a competitive option based on your circumstances.

We are compensated for our services either by the borrower or by the wholesale lender, as disclosed in your Loan Estimate and Closing Disclosure. Broker compensation is not based on the terms of the transaction other than the loan amount, and complies with Regulation Z Loan Originator Compensation requirements.

Dwelling Place Mortgage LLC does not currently maintain any affiliated business arrangements as defined by the Real Estate Settlement Procedures Act (RESPA). If this changes, a written Affiliated Business Arrangement Disclosure will be provided at or before the time of referral.

In accordance with Regulation Z, we do not steer consumers to any particular loan for the purpose of increasing our compensation. When multiple loan options are available, we present options intended to reflect the lowest interest rate, the lowest total origination points and fees, and the lowest rate without risky features, so you can compare and choose.

Many loans require the establishment of an escrow account for property taxes and homeowners insurance. You will receive an Initial Escrow Account Disclosure at or shortly after closing summarizing your projected escrow activity for the first year.

Dwelling Place Mortgage LLC does not service the loans it originates. Your loan will be transferred to a servicer after closing. You will receive a Servicing Disclosure Statement at application and, if applicable, a Notice of Servicing Transfer after closing.

By submitting a loan inquiry or application, you authorizeDwelling Place Mortgage LLC and its wholesale lender partners to obtain and review your consumer credit report from one or more consumer reporting agencies, in accordance with the Fair Credit Reporting Act (FCRA), for the purpose of evaluating your eligibility for a mortgage loan.

You may obtain a free copy of your consumer credit report once every 12 months from each nationwide consumer reporting agency at www.annualcreditreport.com.

If your credit application is denied, or if you are offered credit on terms less favorable than the terms offered to a substantial proportion of consumers, you will receive a written Adverse Action Notice or Risk-Based Pricing Notice that describes the specific reasons and the credit reporting agency involved, as required by the FCRA and ECOA.

We may order an appraisal to determine the property's value and charge you for this appraisal. You are entitled to a copy of any appraisal or other written valuation prepared in connection with your application, promptly upon completion and no later than three business days prior to closing, whether the loan closes or not.

For purchase transactions, we provide the CFPB's Your Home Loan Toolkit booklet at application to help you understand the mortgage process, shop for the best loan, and evaluate closing documents. A copy is also available at consumerfinance.gov/owning-a-home.

As required by RESPA, we provide a list of HUD-approved homeownership counseling agencies within three business days of your application. You can also access the current HUD counselor list at consumerfinance.gov/find-a-housing-counselor or by calling HUD at 1-800-569-4287.

Federal law requires that we provide a Servicing Disclosure Statement at application informing you whether the servicing of your loan may be transferred, sold, or assigned while any amount remains owed on the loan. Dwelling Place Mortgage LLC does not retain servicing on the loans it originates.

If your property is located in a Special Flood Hazard Area (SFHA) as determined by the Federal Emergency Management Agency (FEMA), federal law requires you to purchase and maintain flood insurance for the life of the loan. You will receive a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance prior to closing when applicable.

You have the right to choose your own homeowners insurance provider, so long as the policy meets the lender's coverage requirements. We will not require you to obtain insurance from any specific provider.

Dwelling Place Mortgage LLC maintains an Identity Theft Prevention Program (Red Flags Rule) designed to detect, prevent, and mitigate identity theft in connection with our mortgage origination activities, in compliance with 16 CFR Part 681.

By submitting your contact information through this website or a loan application, you consent to receive communications from Dwelling Place Mortgage LLC regarding your inquiry or loan, including by email, phone call, and SMS text message, at the phone number(s) and email address(es) you provide, even if that number is on a state or federal Do Not Call list. Consent is not a condition of any loan. Message and data rates may apply. Reply STOP to opt out of text messages at any time.

Dwelling Place Mortgage LLC maintains an internal Do Not Call list and honors the National Do Not Call Registry. To be removed from our marketing lists, contact us at Jdeprang@Dwellingplacemortgage.com or 318-393-5942.

We respect your privacy. Personal information collected through this site or our application process is used solely to evaluate and originate your loan. We do not sell your personal information. We share information with lenders, service providers, and regulators only as needed to underwrite, fund, and service your loan, and as permitted or required by law.

Our full GLBA Privacy Notice is provided at application and annually thereafter. A copy is available on request by contacting Jdeprang@Dwellingplacemortgage.com. See also our Privacy Policy.

Dwelling Place Mortgage LLC maintains administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of nonpublic personal information, consistent with the FTC Safeguards Rule (16 CFR Part 314) and applicable state law.

Dwelling Place Mortgage LLC originates loans on properties located in Texas. State-specific disclosures required by any additional jurisdiction in which we become licensed will be provided at application and posted here as applicable.

Dwelling Place Mortgage is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. If you experience difficulty accessing content on this website, please contact us at Jdeprang@Dwellingplacemortgage.com and we will work to provide the information you need in an alternative format.

We take consumer complaints seriously. To submit a complaint directly to us, email Jdeprang@Dwellingplacemortgage.com or write to us at 1401 Mesa Flats Dr, Haslet, TX 76052. Complaints not resolved to your satisfaction may be submitted to the Texas Department of Savings and Mortgage Lending (see above) or to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

Questions about any of the disclosures on this page may be directed to our compliance contact:

Dwelling Place Mortgage LLC
Attn: Compliance
1401 Mesa Flats Dr, Haslet, TX 76052
Jdeprang@Dwellingplacemortgage.com · 318-393-5942