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Ardith Sinykin

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One Monarch Place 22nd Floor Suite 2200 Springfield, MA 01144

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Polaris Home Loans, LLC, NMLS # 2128538 (www.nmlsconsumeraccess.org), located at 1414 Main Street, 1 Monarch Place 22nd Floor Suite 2200, Springfield, MA 01144, may not be affiliated with your current lender nor is it an agency of the government or HUD/FHA. This is not a government form. This is not a commitment to make a loan. All approvals are subject to underwriting guidelines. Minimum and maximum loan amounts may apply. Rates and programs are subject to change at any time. As a result of refinancing, your total finance charges may be higher over the life of the loan. Not all products or services are available in all states. Consult your tax attorney regarding tax deductibility. AL Consumer Credit License #22909, AZ Mortgage Banker License #1024547, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act – CA Financing Law License #60DBO-142449, CO Mortgage Company Registration, CT Mortgage Lender License ML-2128538, DE Lenders License # 034161, DC Mortgage Dual Authority License MLB2128538, FL Mortgage Lender License MLD2024, Georgia Residential Mortgage Licensee, Mortgage Lender License/Registration #2128538, IA Mortgage Banker License #2021-0108, IL Residential Mortgage License MB.6761602, IN Mortgage Lender License #54677, KS Mortgage Company License #MC.0025754, KY Mortgage Company License MC751352, Louisiana Residential Mortgage Lender License, MD Mortgage Lender License #06-25336, ME Supervised Lender License #2128538, MI 1st Mortgage Broker/Lender License FL0023583, MN residential Mortgage Originator License MN-MO-2128538, MO Mortgage Company License #2128538, MS Mortgage Lender License #2128538, MT Mortgage Lender License #2128538, NC Mortgage Lender License L-202187, licensed by the N.J. Department of Banking and Insurance – New Jersey Residential Mortgage Lender License, OH Residential Mortgage Lending Act Certificate of Registration RM.804725.000, OR Mortgage Lending License #2128538, Licensed by the Pennsylvania Department of Banking, Mortgage Lender License #90525, RI Lender License #20214252LL, RI Loan Broker License #20214253LB, SC Mortgage Lender / Servicer License MLS – 2128538, TN Mortgage License #2128538, TX – SML Mortgage Company License, VT Lender License LL-2128538, WA Consumer Loan Company License CL-2128538, WI Mortgage Banker License #2128538BA, WY Mortgage Lender/Broker License #4437, WY Consumer Lender License # CL-4527. Licensing Information up to date as of 4/27/2022. Please contact Polaris Home Loans, LLC for more information. www.polarishomeloansllc.com | (888) 301-9210. © 2021. All rights reserved. Equal Housing Lender.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH 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 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.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED 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.