Offer to pay Closing Costs is subject to borrower’s qualification for the No Closing Cost Refinance Program or Closing Cost Credit Program. Not all borrowers will qualify. All programs valid only in Florida. Additional terms and conditions apply, call for details. Closing Costs Programs cannot be combined with any other offer. For any Closing Cost Program, RP Funding will issue a lender credit at closing in the amount determined by the Closing Cost Program for which borrower qualified. Not valid on Non-Qualified mortgages (Jumbo, Alternative Document, Reverse Mortgage, Manufactured Homes, Condos, or HELOC mortgages). The following charges remain an expense to the borrower and are not Closing Costs: rate discount costs/discount points, prepaid items (including mortgage insurance premiums, interest, property taxes, homeowners insurance, and any escrow accounts), Upfront Mortgage Insurance Premium (UFMIP), funding fees, the payment of a mobile notary fee if the selected closing agent has an office which serves the area, or additional non-standard services requested by the purchaser.
No Closing Cost Refinance Program: Conventional loans only. Borrower must provide prior owners title policy, prior valid survey and establish an impound account to qualify. Borrower elected Discount points/Rate buy downs are ineligible. Borrower must meet following eligibility requirements: primary single-family residence, fixed-rate, refinance transactions, with loan amounts above $250,000 and below conforming limits at less than 80% LTV, and credit score of 720 or higher. Borrowers who receive CASH OUT at closing or to payoff any debt other than prior first mortgage must have LTV below 70%.
Closing Cost Credit Program: For borrowers who do not qualify for a No Closing Cost Refinance, RP Funding will offer a Closing Costs Credit subject to the following conditions: fixed rate refinance transactions on loan amounts above $50,000 and below conforming limits, for borrowers with 640 or higher credit score. Actual amount of closing cost credit will vary and be disclosed to the customer on the Loan Estimate at time of Rate Lock
The use of our Site or interactions with a RP Funding advertisement, page or account on a third-party site indicates your consent to this Policy, including your consent to our use of information about you in the manner described in this Policy.
Information collected may be obtained in various ways, including, but not limited to, information entered on our Site via mobile devise or computer, questionnaires, emails, and from your online interaction. The information collected is obtained by information provided voluntarily directly to us or through a third party for our use. Some of the information that may be collected about you through online interaction includes information that you input, such as your name, address, email address, and other contact information; data resulting from your activity, such as transaction information; and location information
We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device's operating system, and additional information associated with your device. We may also gather information collected through cookies, tags and other technologies.
We may share information with service providers with whom we work with, such as data processors and companies, that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process.
From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents.
For more information about the Children's Online Privacy Protection Act (COPPA), visit FTC's website at www.ftc.gov.
We may also use additional technologies, such as pixel tags, web beacons and clear GIFs, and may permit our third-party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third-party sites.
In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited and the length of user sessions in order to evaluate the usefulness of our sites; and using read-receipt notifications in our email communications.
You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with RP Funding. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of Internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.
RP Funding takes commercially reasonable precautions to protect your information. When appropriate, we use SSL encryption technology and a secure server to encrypt information transmitted between your browser and our server. As a result, data you submit to us is transmitted using commercially reasonable security over the Internet.
We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect through all channels. We maintain a secure process to collect, transmit and store your personally identifiable information.
Your consent here also serves as your express written consent to your past receipt of electronic communications from us.
You represent and warrant that:
You are at least 18 years old
You live in the United States
You have not registered on a national or statewide Do Not Call list
You are the account holder for the email addresses and phone numbers you provided, or you have authorization from the account holder to give this consent
The email addresses and phone numbers you provided are accurate, and you will let us know if you release them to another person or individual
Our mobile service is available only in certain states. Certain mobile features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.
We value customer feedback and complaints. If you would like to share your feedback or complaints in regards to any of our policies or customer service, please use the RP Funding Complaints & Feeback Form. All RP Funding Complaints are reviewed directly by our Executive Team.
Additionally, complaints or concerns regarding this policy or the use of your information may be sent in writing to:
attn: Complaints & Feedback Department
1400 International Parkway South, Suite 1000
Lake Mary, Florida 32746
To stop receiving advertisements via email please visit our Opt-Out Link. Opting out will prevent you from receiving any marketing or advertisement emails, however you cannot opt-out of communications regarding a mortgage loan in process, opt-out will only apply to advertising messages.