OUR COMPENSATION. The lenders whose loan products are distributed by the Mortgage Broker generally provide their loan products to the Mortgage Broker at a wholesale rate.
OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at a wholesale rate.
OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at wholesale rate. The retail price we offer you – your interest rate, total points, rebates from the lender and fees – will include our compensation. In some cases, we may be paid all of our compensation be either you or the lender. Alternatively, both you and the lender may pay us a portion of our compensation. For example, in some cases, if you would rather pay less up front, you may be able to pay some or all of our compensation indirectly through a higher interest rate in which case we will be paid directly by the lender. We also may be paid by the lender based on (1) the value of the mortgage loan or related servicing rights in the market place or (2) other services, goods or facilities performed or provided by us to the lender.
OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at a wholesale rate. The retail price we offer you - your interest rate, total points and fees - will include our compensation. In some cases, we will receive all of our compensation from you, to be paid in cash or from the loan proceeds at the time of settlement. In other cases, we will receive all of our compensation from the lender. You may be able to obtain a lower interest rate by paying higher points and fees. (A "point" is 1% of the loan amount.) Alternatively, you may be able to finance the payment of our compensation or other costs that you would otherwise be required to pay directly by paying a higher interest rate. Having discussed the specific effects these alternatives may have on your interest rate, points, fees and other loan terms, and the various payment options that are available to you, you agree our compensation will be paid as follows:
OUR COMPENSATION. We cannot solicit or collect any fee, other than a "bona fide third party fee" (as defined in Indiana Code § 23-2.5-1-3 and listed in 710 IAC 1-22-6), prior to the loan closing. Our required deposit which represents bona fide third party fees is $ . We are required to return any unspent portion of this deposit should you elect to cancel your loan with us.
OUR COMPENSATION. We cannot solicit or collect any fee, other than a bona fide third party fee (as defined in Ind. Code § 23-2-5- 19(b) and listed in 710 IAC 1-22-6), prior to the loan closing. Our required deposit which represents bona fide third party fees is $ . We are required to return any unspent portion of this deposit should you elect to cancel your loan with us.
OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at a wholesale rate. The retail price we offer you, your interest rate, total points and fees is based on the lender’s available programs in which you have expressed an interest and for which you qualify. We will provide a minimum of three loan options for your review and selection. Our compensation with each lender is based on a fixed percentage of the amount of credit advanced to you and will not vary based on the terms and conditions of your loan. Our compensation is paid in whole by either you or the lender. If our compensation is paid by you, the lender is prohibited from compensating us on the same transaction. If our compensation is paid by the lender, we are prohibited from receiving compensation from you or from any other source on the same transaction; we are also prohibited from reducing or increasing our compensation on such lender paid transactions. We may collect pass-through fees on behalf of third party service providers, including, but not limited to credit reporting agencies, appraisers and title companies. We do not “up charge” such fees and no portion is retained as compensation.
OUR COMPENSATION. The lenders whose loan products we distribute generally provide their loan products to us at a wholesale rate. The retail price we offer you - your interest rate, total points and fees - will include our compensation. In some cases, we will receive all of our compensation from you, to be paid in cash or from the loan proceeds at the time of settlement. In other cases, we will receive all of our compensation from the lender. You may be able to finance the payment of our compensation into your loan. In no circumstance will we be paid by both you and the lender for the same transaction. In this transaction our compensation will be [X] based upon the loan amount and payable at close. OR [ ] payable by you and due immediately prior to beginning the application process.
OUR COMPENSATION. Your interest rate, points and fees offered to you by the Lender may include our compensation. • Either you or the Lender may pay us all of our compensation. • For example, in some cases, if you would rather pay a lower interest rate, you may pay higher up-front points and fees. • Alternatively, if you would rather pay less up-front, you may be able to accept a higher interest rate from the Lender as a means to finance the payment of our compensation or other costs that you would otherwise be required to pay directly, in which case, we would be paid directly by the Lender. • We are entitled to compensation at the settlement of your mortgage loan. • The exact amount of our compensation will be disclosed on your Closing Disclosure, which will be provided to you no later than three (3) business days before closing. • In connection with your mortgage loan, the total broker fee payable to Broker is $ . In no event shall the cost of these services exceed the amount disclosed in this agreement. We also may be paid by the Lender based on services, goods or facilities performed or provided by us to the Lender.
OUR COMPENSATION a. Our annualized Advisory Fee is a quarter-percent (0.4%) of the total assets under management in the Account(s). The Advisory Fee is charged monthly in arrears on the last day of each month based upon the value of the Account as of the last day of the month. For an Account opened intra-month, or you withdraw assets from the Account, close your Account, or terminate this Agreement intra-month, the Advisory Fee will be pro-rated. By signing this Agreement, you acknowledge and authorize us to automatically deduct our Advisory Fee from the Account.
b. Expenses related to the ordinary servicing of the Account, including custody fees, security transaction fees, or platform fees shall be paid by the Client. If the assets in your Account are worth less than $6,000, such expenses include an account maintenance charge of $2 per month. Other non-ordinary fees or fees incurred at the direction of the Client shall be paid by the Client. Such non-ordinary fees include a manual trading charge of $1 per trade. Operating fees of selected mutual funds and other investment products are deducted from the net asset value of those investments as defined in the prospectus for each product, and shall be paid by the Client.
c. We may reduce or waive any of these fees at our discretion. Such a waiver does not bind us to continue waiving such fees, and we may cease waiving a fee without notice. We may modify these fees with 30 days written notice.
d. We are not compensated in any way based on your account performance, except to the degree that such performance changes the amount of your assets under management subject to our Advisory Fees.
