Iron Oak Lending oak emblemIRON OAKLENDING

Iron Oak Lending

Registration & Disclosures

Registration & Disclosures

Who We Are

This website is operated by Mortgages For America, NMLS # 993846. Iron Oak Lending is the brand name used for this website. Iron Oak Lending is not a lender and does not make credit decisions. Loans are originated by third-party lenders and all loans are subject to credit approval.

Iron Oak Lending operates as an agent for SaveUnited.org, doing business as Mortgages For America, NMLS # 993846. Iron Oak Lending does not hold a separate company NMLS registration.

Verify Our Registration

You can confirm the registration of Mortgages For America, NMLS # 993846, through NMLS Consumer Access at:

www.nmlsconsumeraccess.org

NMLS Consumer Access is a free service of the State Regulatory Registry LLC.

Nature of our lending activity

Our programs are business-purpose investor and commercial loans. This is not residential mortgage lending and is not state-licensed activity.

Business-Purpose Investor and Commercial Lending

Iron Oak Lending may advertise business-purpose investor and commercial lending programs through Mortgages For America and participating third-party lenders.

These programs are business-purpose loans made to entities or to individuals for investment or commercial purposes. These programs are not consumer-purpose loans and are not owner-occupied residential loans.

Availability and program requirements vary by state. A business-purpose classification does not, by itself, determine whether a registration, exemption filing or other regulatory requirement applies.

Any application or inquiry for a consumer-purpose loan will be declined or referred to an appropriately qualified originator, as applicable.

The following jurisdictions are within the scope of our business-purpose programs:

AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, WV, WI and WY.

This list includes 45 jurisdictions, including the District of Columbia. Availability and program requirements vary by state.

Important Notice About State Availability

Our business-purpose investor and commercial programs, including rates, terms, loan limits, LTV requirements, credit requirements and eligibility standards, vary by state, lender and borrower.

Programs are not available in all states. Nothing on this website is a commitment to lend or an offer to extend credit. All loans are subject to credit approval and applicable lender and program guidelines.

Equal Housing Opportunity

We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. It is our policy to treat all applicants and borrowers equally without regard to race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act.

SBA

If SBA lending is advertised, it must not be described as a government loan made directly to the borrower or as “government-backed financing,” unless the exact wording has been approved by the applicable compliance department. The SBA generally guarantees a portion of an eligible loan made by a participating lender; it does not generally lend directly to borrowers.

General Disclaimer

Rates, terms, loan limits, LTV requirements, credit requirements, fees and program availability vary by lender, borrower, property, transaction and state.

Program terms, loan amounts and credit requirements vary by lender and by deal. All loans are subject to credit approval and applicable lender and program guidelines.

Nothing on this website is a commitment to lend, an approval, a guarantee of terms or an offer to extend credit. Information is provided for general purposes and may change without notice.

Contact and NMLS Identification

Iron Oak Lending operates as an agent for SaveUnited.org, doing business as Mortgages For America, NMLS # 993846.

Iron Oak Lending — mailing address: 15901 Perdido Creek Trail, Prosper, TX 75078

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