1. Licensing and NMLS Information
Sarah Bell Lane | NMLS# 185404
Preferred Funding, LLC | NMLS# 1551467
You can verify licensing information at NMLS Consumer Access (nmlsconsumeraccess.org).
2. State Licensing Information
Sarah Bell Lane and Preferred Funding, LLC are licensed to originate residential mortgage loans in the state of Texas.
3. Preferred Funding, LLC Relationship
Sarah Bell Lane is a mortgage loan originator providing services through Preferred Funding, LLC. Preferred Funding, LLC is the licensed correspondent lender through which all loans are originated. Sarah Bell Lane does not operate as an independent lender.
Preferred Funding, LLC | NMLS# 1551467
4. No Commitment to Lend
This website and its contents are for informational purposes only and do not constitute a commitment to lend. All applications are subject to full credit evaluation, underwriting review, and property appraisal approval.
5. No Guaranteed Approval or Rates
Approval is not guaranteed. Any rates, terms, or program details mentioned on this website are subject to change without notice. Your actual rate, terms, and approval will depend on your individual credit history, income, assets, property value, and other factors determined during the underwriting process.
6. Credit and Underwriting Requirements
All loans are subject to borrower qualification. The underwriting process evaluates several factors, including but not limited to credit score, income verification, asset verification, employment history, property eligibility, appraisal value, and clear title. Meeting preliminary requirements does not guarantee final approval.
7. Program Availability Disclaimer
Not all loan programs are available in all states or to all borrowers. Program availability is subject to change at any time based on market conditions, investor guidelines, and regulatory requirements.
8. Equal Housing Opportunity
We are an Equal Housing Lender. We are committed to fair lending practices and do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
9. Refinancing Disclosure
By refinancing an existing mortgage, your total finance charges may be higher over the life of the loan than they would have been if you kept your current mortgage. Carefully consider the costs and benefits of refinancing before proceeding.
10. External Links
This website contains links to external websites, including the Preferred Funding, LLC application portal. We are not responsible for the content, security, or privacy practices of these external sites. When you leave our website, we encourage you to review the policies of the destination site.
11. Information Accuracy
We make reasonable efforts to ensure the accuracy of the information provided on this website. However, mortgage industry guidelines, rates, and regulations change frequently. Please contact us directly for the most current information applicable to your situation.
12. Fair Lending Statement
We operate in strict accordance with all fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We believe in providing equal access to credit for all qualified applicants.
13. Accessibility
If you have difficulty accessing any part of this website or require assistance, please contact us at yourhomeloanbysarah@gmail.com or 225-772-9344.
14. Questions
If you have any questions about these disclosures, please contact us at yourhomeloanbysarah@gmail.com or 225-772-9344.