This Disclosure Statement is to give you notice that Seller has a business relationship with First Heritage Mortgage, LLC (the “Lender”). The nature of the relationship is that the owner of Seller owns a 75% interest in the Lender. Because of this relationship, this referral may provide Seller a financial or other benefit.

Set forth below is the estimated charges or range of charges for the services listed. You are NOT required to use or accept the services of the Lender as a condition for settlement in connection with the purchase of a property from Seller. THERE ARE FREQUENTLY OTHER SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Lender or Settlement ServiceCharge or Range of Charges
Origination Point0-1%
Discount PointsSee Lender for Quotes
Program Prepaid Interest0-31 days
InterestSee Lender for Quotes
Processing Fee$600-$850
Underwriting Fee$600-$850
Application (in place of Processing Fee
and Underwriting Fee in certain states)
$1,200-$1,600
Credit Report$85-$170
Credit Report Update$85-$170
Appraisal (Owner Occupied)$500-$1,200
Appraisal (Investor)$600-$1,400
2nd Trust AppraisalN/A
Final Inspections$100-$200
Flood Certification$14-$19


By signing below, we acknowledge that we have read this Disclosure Statement, that Seller is referring us to purchase the services described above from the Lender, and that Seller may receive a financial or other benefit as the result of this referral.