Who We Are

Iron Oak Lending is a mortgage broker, not a lender, and does not make credit decisions. Licensed entity: Mortgages For America, NMLS # 993846. Loans are originated by third-party lenders and are subject to credit approval.

[Iron Oak Lending is an assumed name of Mortgages For America registered in [states] — PENDING REGISTRATION, DO NOT PUBLISH THIS SENTENCE UNTIL REGISTRATION IS COMPLETE]

Iron Oak Lending operates as an advertising team of Mortgages For America, NMLS #993846. Iron Oak Lending does not hold a separate company NMLS registration.

Verify Our Licenses

You can verify the licensing status of Mortgages For America and any individual mortgage loan originator through NMLS Consumer Access at:

www.nmlsconsumeraccess.org

NMLS Consumer Access is a free service of the State Regulatory Registry LLC.

Business-Purpose Investor and Commercial Lending

Iron Oak Lending may advertise business-purpose investor and commercial lending programs through Mortgages For America and participating third-party lenders.

These programs are business-purpose loans made to entities or to individuals for investment or commercial purposes. These programs are not consumer-purpose loans and are not owner-occupied residential loans.

Availability and licensing requirements vary by state. A business-purpose classification does not, by itself, determine whether a license, registration, exemption filing or other regulatory requirement applies.

Any application or inquiry for a consumer-purpose loan will be declined or referred to an appropriately licensed originator, as applicable.

Management has identified the following jurisdictions for potential business-purpose investor and commercial lending programs:

AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, WV, WI and WY.

This list includes 45 jurisdictions, including the District of Columbia. Availability and licensing requirements vary by state.

[Confirm the jurisdiction list, the applicable licensing or exemption basis in each jurisdiction, and whether any state requires an additional filing or disclosure before publication.]

Important Notice About State Availability

Our business-purpose investor and commercial programs, including rates, terms, loan limits, LTV requirements, credit requirements and eligibility standards, vary by state, lender and borrower.

Programs are not available in all states. Nothing on this website is a commitment to lend or an offer to extend credit. All loans are subject to credit approval and applicable lender and program guidelines.

Equal Housing Opportunity

[Insert the approved Equal Housing Opportunity logo with alt text: “Equal Housing Opportunity logo.”]

Mortgages For America and Iron Oak Lending, as its advertising team, support equal housing and fair lending principles. [Confirm the approved Equal Housing Lender wording with Mortgages For America’s compliance department before publication.]

We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act. It is our policy to treat applicants and borrowers equally without regard to race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act, as applicable.

SBA

If SBA lending is advertised, it must not be described as a government loan made directly to the borrower or as “government-backed financing,” unless the exact wording has been approved by the applicable compliance department. The SBA generally guarantees a portion of an eligible loan made by a participating lender; it does not generally lend directly to borrowers.

General Disclaimer

Rates, terms, loan limits, LTV requirements, credit requirements, fees and program availability vary by lender, borrower, property, transaction and state.

Program terms, loan amounts and credit requirements vary by lender and by deal. All loans are subject to credit approval and applicable lender and program guidelines.

Nothing on this website is a commitment to lend, an approval, a guarantee of terms or an offer to extend credit. Information is provided for general purposes and may change without notice.

Contact and NMLS Identification

Iron Oak Lending operates as an advertising team of Mortgages For America, NMLS #993846.

Website Links

• Licensing & Disclosures
• Privacy Policy
• Terms of Use
• NMLS Consumer Access: www.nmlsconsumeraccess.org
• [Insert approved state regulator and complaint-process links.]

Items to Confirm Before Publishing

1. [The approved form of the Mortgages For America affiliate attribution.]
2. [Confirmation from Mortgages For America that the assumed-name registration is complete in each state where the site advertises.]
3. [Confirmation of the exact approved entity identification wording.]
4. [Confirmation from Mortgages For America that it is the data controller for the site forms and approves the form consent language.]
5. [Whether the 45-jurisdiction business-purpose list is accurate and complete.]
6. [The licensing or exemption basis for business-purpose investor and commercial lending in each listed jurisdiction.]
7. [Correction of any “government-backed” description of SBA loans.]
8. [Approval of the Equal Housing Opportunity logo and Equal Housing Lender wording.]
9. [Final review and approval by the Mortgages For America compliance department.]