Valere Financial is a registered trade name of CrossCountry Mortgage, LLC, an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580

State of Illinois Community Reinvestment Notice

The Department of Financial and Professional Regulation (Department) evaluates our performances in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

Texas Rights

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov.

5-4-20

State disclosures

ALABAMA

AL Consumer Credit License 21018

ALASKA

AK Mortgage Broker/Lender License AK3029

ARIZONA

Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020

ARKANSAS

Licensed as a Mortgage Banker-Broker-Servicer with the Arkansas Securities Department No. 103529

CALIFORNIA

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act No. 4131098. California - DFPI Residential Mortgage Lending Act License 60DBO-136451

COLORADO

Mortgage Company Registration – Regulated by the Division of Real Estate - www.dora.state.co.us/real-estate

CONNECTICUT

Licensed as a Mortgage Lender No. ML-3029. Mortgage Servicer License No. MS-3029

DELAWARE

Licensed as a Mortgage Lender by the Office of the State Bank Commissioner No. 011424

DISTRICT OF COLUMBIA

Mortgage Dual Authority License No. MLB3029

FLORIDA

Mortgage Lender Servicer License No. MLD806

GEORGIA

Georgia Mortgage Lender Licensee/Registration No. 19595

HAWAII

Licensed as a Mortgage Loan Originator Company No. HI-3029. Mortgage Servicer License No. MS158

IDAHO

Licensed as a Mortgage Broker/Lender No. MBL-7779. Regulated Lender License RRL-10257.

ILLINOIS

Illinois Residential Mortgage Licensee No. MB.6760607
Regulated by IDFPR – Residential Mortgage Banking
100 W Randolph, 9th Floor
Chicago, Illinois 60601
(844)768-1713

INDIANA

DFI Mortgage Lending License No. 10891

IOWA

Mortgage Banker License No. 2011-0009. Mortgage Banker License – ONT#2 2023-0083

KANSAS

Kansas Licensed Mortgage Company No. MC.0025056

KENTUCKY

Mortgage Company License No. MC75978

LOUISIANA

Residential Mortgage Lending License 3029

MAINE

Licensed as a Supervised Lender by the Bureau of Consumer Credit Protection No. SLM12094

MARYLAND

Licensed as a Mortgage Lender by the Commissioner of Financial Regulation No. 14160

MASSACHUSETTS

CrossCountry Mortgage, LLC is licensed in the Commonwealth of Massachusetts as Massachusetts Mortgage Lender and Mortgage Broker MC3029. OTN#2 Massachusetts Mortgage Broker MB3029 and OTN#2 Massachusetts Mortgage Lender ML3029

MICHIGAN

1st Mortgage Broker/Lender/Servicer Registrant No. FR0018207. 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0019909

MINNESOTA

Residential Mortgage originator License No. MN-MO-20546578 and License No. MN-MO-3029.1. This is not an offer to enter into an interest rate lock agreement under Minnesota law

MISSISSIPPI

Mortgage Lender License No. 3029. Mississippi Licensed Mortgage Company.

MISSOURI

19-2030 Missouri Company License Approved

MONTANA

Mortgage Lender/Broker/Servicer License No. 3029

NEBRASKA

Mortgage Banker License No. NE3029

NEW HAMPSHIRE

Licensed by the New Hampshire Banking Department No. 16654-MB

NEW JERSEY

Licensed by the NJ Department of Banking and Insurance 3029. NJ Residential Lender Licensed. NJ-RMLA-Licensed Mortgage Servicer Registration

NEW MEXICO

Mortgage Loan Company License 3029

NORTH CAROLINA

Licensed as a Mortgage Lender by the Commissioner of Banks No. L-142902

NORTH DAKOTA

Money Broker License No. MB102215

OHIO

OH Residential Mortgage Lending Act Certificate of Registration No. MB.803095.000.

OKLAHOMA

Mortgage Broker License No. MB001744. Mortgage Lender License No. ML010107

OREGON

Lender License No. ML-4709. Servicer License MS-134

PENNSYLVANIA

Licensed Mortgage Lender No. 31242. Mortgage Servicer License 66487.

RHODE ISLAND

Licensed Lender No. 20122884LL. Licensed Broker No. 20163277LB. Rhode Island Licensed Lender

SOUTH CAROLINA

Licensed by the Bureau of Financial Institutions Mortgage Lender/Servicer License No. MLS-3029, OTN #1, OTN #2, OTN #3, OTN #4

SOUTH DAKOTA

Mortgage Lender License No. ML.04947

TENNESSEE

Mortgage License No. 109408

TEXAS

SML Mortgage Banker Registration. SML Residential Mortgage Loan Servicer Registration 3029

UTAH

Licensed as a DRE Mortgage Entity No. 8071063. UT-DFI Residential First Mortgage Notification.

VERMONT

Loan Servicer License No. 3029-1 and LS-3029-2. Mortgage Broker License No. 1251 MB, 1501 MB, and MB-3029-2. Lender License No. 6303, 7396, and LL-3029-2. Loan Solicitation License No LSO-3029

VIRGINIA

Licensed as a Mortgage Lender and Broker by the Virginia State Corporation Commission No. MC-4072

WASHINGTON

Licensed by the Department of Financial Institutions under the Consumer Loan Act No. CL-3029

WEST VIRGINIA

Mortgage Lender License No. ML-31213. Mortgage Broker License No. MB-34216

WISCONSIN

Mortgage Banker License No. 3029BA. Mortgage Broker License 3029BR

WYOMING

Mortgage Lender/Broker License No. 2308. Supervised Lender License No. SL-3729