Affiliated Business Arrangement Disclosure Statement

**This is to give you notice that Independent Connections, LLC ("Independent Connections") has a business relationship with Harvest Lending LLC, collectively known as ("Residential Lenders") and Commloan, Inc., GoKapital LLC, Independent Realty, LLC collectively known as ("Commercial Lenders").  Because of this relationship, these referrals may provide Independent Connections a financial or other benefit.
Set forth below is the estimated charge or range of charges for the settlement services listed.  You are NOT required to use Lenders as a condition for the purchase, sale, or refinance of the subject property.  THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES.  YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Independent Connections and/or Independent Realty - Discount Points Fee
Charge or Range of Charges - 0-4% of the loan amount depending on the rate you choose*
By checking the box above, I/we acknowledge that I/we have read this disclosure form and understand that Independent Connections and/or Independent Realty is referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.

Types of loans offered...

• Conventional
  • 3% down first time buyer
  • Owner occupied
  • 600 credit score
  • 50% DTI
  • $625,000 loan limit
• FHA
  • 3.5% down
  • Owner occupied
  • 580 credit score
  • 57% DTI
• Mobile Homes
  • 5% down
  • 640 credit score
  • Must have permanent foundation
  • Must be built after 1976
  • Must have original HUD plate
• Self Employed (Bank Statements)
  • 20% down
  • 12-24 months of bank statements
  • 3-6 months of payments in reserve
  • Primary residence
  • 50% DTI
• Veterans Administration (VA)
  • 0% down
  • 580 credit score
  • 60% DTI
  • VA entitlement available
  • Termite inspection required
• Jumbo Loan
  • Loans > $625K
  • Up to 89.99% loan to value
  • 45% DTI
  • 680 credit score
  • 2,500,000 max loan amount
  • 6-12 months in reserve
• Residential Vacant Land
  • Maximum 20 year term
  • 660 Credit Score
  • $100K Minimum Loan Amount
  • 65% Loan to Value
• ITIN Loans Also Available
  • No SSN
  • Owner Occupied
  • Refinance
  • Fixed rates up to 30 years
  • Minimum credit score
  • Restrictions apply

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