Licensing & Regulatory Disclosures

• EMB Lenders LLC
• Licensed Mortgage Broker
• NMLS #2422827
• Florida Mortgage Broker License #MBR5836
• Equal Housing Opportunity

Mortgage Brokerage Disclosure

EMB Lenders LLC is a licensed mortgage broker. EMB Lenders may arrange mortgage financing through third-party wholesale lenders and other approved lending sources.

Loan programs, rates, terms, fees, eligibility requirements, and underwriting guidelines vary by lender and loan program and are subject to change.

Not all applicants will qualify.

Submission of information, completion of an analysis, discussion with a loan originator or Equity Asset Manager, or use of the 10Yi Platform does not constitute loan approval or a commitment to lend.

Mortgage Program Availability

All mortgage financing is subject to applicable lender requirements, underwriting, credit approval, verification of information, acceptable collateral/property eligibility, program availability, and other applicable conditions.

Specific mortgage products or terms discussed or displayed may not be available to every applicant.

Rates, Payments & Credit Terms

Any mortgage rate, APR, payment, loan amount, fee, down payment, repayment term, or other specific credit term displayed or communicated must be considered in conjunction with the disclosures applicable to that particular mortgage scenario.

Rates and terms are subject to change and may not be available at the time of application, rate lock, commitment, or closing.

This Platform should not be interpreted as a rate quote or commitment to lend unless expressly identified as such in connection with applicable mortgage disclosures.

No Government Affiliation

EMB Lenders LLC and the 10Yi Program are not governmental agencies.

References to FHA, VA, USDA, Fannie Mae, Freddie Mac, or other government or government-sponsored mortgage programs or entities, when applicable, are intended solely to identify relevant programs or guidelines and do not imply that EMB Lenders or 10Yi is sponsored by, endorsed by, or affiliated with those entities.

Advertising Disclosure

Mortgage-related information presented through the Platform is subject to applicable federal and state mortgage advertising requirements. Mortgage advertising must not be unfair, deceptive, or misleading, and applicable material limitations and disclosures must be presented as required by law.

Equal Housing Opportunity

EMB Lenders LLC conducts its mortgage brokerage activities in accordance with applicable fair-lending and fair-housing requirements and supports Equal Housing Opportunity.

Licensing Information

Consumers may verify mortgage licensing information through the NMLS Consumer Access system.

• EMB Lenders LLC - NMLS #2422827
• Florida Mortgage Broker License #MBR5836