Mortgage Broker Disclosure

4MG Mortgage, LLC is a licensed mortgage broker, not a direct lender. We do not make mortgage loans or extend credit. We connect borrowers with lenders and facilitate the loan process. Loan terms, rates, and approval are determined by the lender.

Equal Housing Opportunity Statement

4MG Mortgage, LLC is an Equal Housing Opportunity mortgage broker. We comply with all Fair Lending/ECOA laws: we do not discriminate on the basis of any prohibited characteristics including:

• Race or color
• Religion
• National origin
• Sex or gender
• Marital status
• Age (provided the applicant has the capacity to contract)
• Receipt of public assistance
• Good faith exercise of rights under the Consumer Credit Protection Act

Rate & Fee Disclosure

Interest rates, APRs, and loan terms are subject to change without notice and depend on multiple factors including:

• Credit score and history
• Loan amount and down payment
• Property type and location
• Loan program selected
• Current market conditions

The rates shown on this website are for illustrative purposes only and may not reflect current offerings. Contact us for a personalized rate quote. All loans are subject to credit approval. Not all applicants will qualify.

Credit Authorization

By submitting a loan application, you authorize 4MG Mortgage, LLC and its lending partners to obtain your credit report and verify the information provided. A credit inquiry may affect your credit score.

TRID / Know Before You Owe

In compliance with the TILA-RESPA Integrated Disclosure (TRID) rule, you will receive:

• Loan Estimate: Within 3 business days of your complete application
• Closing Disclosure: At least 3 business days before closing

These documents detail your loan terms, projected payments, and closing costs.

No Commitment to Lend

This website and its contents do not constitute a commitment to lend or extend credit. All loan applications are subject to underwriting approval by the lender. Rates, terms, and programs are subject to change without notice.

Filing a Complaint

If you have a complaint about our services, you may contact:

• Consumer Financial Protection Bureau (CFPB):
  consumerfinance.gov/complaint | 1-855-411-2372
• Florida Office of Financial Regulation:
  flofr.gov | 1-800-848-3792
• HUD Housing Discrimination Hotline:
  1-800-669-9777

Helpful Links

• NMLS Consumer Access — Verify license status of any mortgage company or loan officer
• CFPB Buying a Home Guide — Free homebuying resources
• HUD Home Buying Resources
• Free Annual Credit Report — Get your free credit report