Requirement 1: A UML Provides Quick Access to the Market Niches it Prices Online.

AHC Lending prices a large number of loan products online. When a borrower searches rates, all available loan products are presented for the type of loan chosen.

Requirement 2: A UML discloses all lender fees, including points, origination fees, and any fixed-dollar fees, and guarantees them to closing.

AHC Lending discloses all lender fees and points to customers during the rate quote process. This information can be viewed by clicking on the "View" link under Closing Costs on the rate results page for selected loan program and Interest Rate option. Our lender fees and points are guaranteed at the time rate is locked, through our "No Surprises" Fee Guarantee.

Requirement 3: A UML discloses all third party fees with the best estimates possible, indicating which if any are guaranteed by the UML.

AHC Lending discloses estimated 3rd party fees and government recording and taxes to its customers during the rate quote process. These fees can be viewed by simply clicking on the "view" link under Closing Cost on the rate results page.

Although we do not guarantee 3rd party fees, under certain circumstances AHC Lending has negotiated fees with certain 3rd party service providers and thus will guarantee their fees if those providers are used by its customers. Customers however has an option to choose their own service provider.

Requirement 4: A UML Provides a Clear Explanation of its Lock Requirements.

Customers can lock their rate after completing a loan application and deposit not to exceed $495.00. Please see our Rate Lock Policy rate lock policy and a sample Rate Lock Agreement for details.

Requirement 5: A UML discloses all the information about ARMs needed by shoppers to make intelligent decisions.

AHC Lending provides ARM vs Fixed Rate Mortgage calculator to its customers to evaluate performance of an ARM loan. AHC Lending discloses pertinent ARM information such as Index and margin used, as well as the interest rate caps, on all ARM's we offer. Click on "View" under Closing Cost for the loan program and interest rate in which you are interested to see ARM details on Your Loan Information section. Additionally AHC Lending also provides links to general information on Adjustable Rate Mortgages, including the Consumer Handbook On Adjustable Rate Mortgages published by Federal Reserve Board available on our Disclosures page.

Requirement 6: An Upfront Mortgage Lender (UML) informs borrowers if its loan officers are compensated in a way that gives them a financial incentive to overcharge the borrower.

Loan Advisors at AHC Lending are not compensated based on the rates, points or fees paid by the borrower and they have no financial incentive to overcharge the borrower. AHC Lending Loan Consultants are motivated to help customers find the best loan for their personal financial situation.