Effective Date: August 6, 2025
Advertising Disclosure
Updated 8/7/25
Advertisement: "Rates as low as 4.9% APR* Fixed Mortgage" or "Rates as low as 4.6% 4.9 APR* Fixed Mortgage"
The advertised offer is a real offer from a lender within our network, applicable to a 15-year fixed mortgage cash out refinance loan. This offer is for only the most creditworthy consumers. Not all lenders in our network offer this rate.
The advertised loan is a 15-year Fixed cash out refinance. This loan has a fully amortizing term. There is no prepayment penalty. Assumptions:
Assumes a FICO score of 740+
Loan secured by a single-family, owner-occupied home located in Delaware. Payment Example:
Loan Amount: $600,000 including cash out, based on a Home Value $1,000,000
Fixed Interest Rate: 4.6%
Annual Percentage Rate: 4.9%
Monthly Payment: $4,628/month for 180 monthly payments of principal and interest, plus taxes and insurance. Actual monthly payment will be higher.
Points: $11,916, Underwriting Fee $995, Loan Origination Fee $1,243 See Important Additional Disclosures below.
Important Additional Disclosures
DiamondLendingTeam is not a lender in any transaction and does not make loans, issue loan commitments or lock rates. All credit decisions, including loan approval, prequalification, and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched.
Not all consumers will qualify for the advertised rates and terms, and the advertised rates may only be available to the most creditworthy consumers. For an exact quote, contact the lender.
The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any participating lender.
You may not be matched with the lender making a particular conditional loan offer, and DiamondLendingTeam does not guarantee that any lender will make you a conditional loan offer.
DiamondLendingTeam matches you with one or more lenders on its network of non-affiliated participating lenders. See the Privacy Policy for more details.
If you are offered a loan by a participating lender, the actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the lender.
Payment amounts shown do not include taxes or insurance. The actual payment amount will be greater.
Not available in all states.
Rates are subject to change without notice.
DiamondLendingTeam makes every effort to ensure that the information provided on our website is accurate and up to date. However, DiamondLendingTeam obtains the information from our network of participating lenders and cannot guarantee the completeness or accuracy of the information provided. As such, DiamondLendingTeam makes no representations, recommendations, or endorsements, expressly or implicitly, of any kind regarding the presentation of the information provided or about the participating lenders.
DiamondLendingTeam may also include hypertext links to participating lenders’ and others’ websites over which DiamondLendingTeam has no control. Therefore, DiamondLendingTeam makes no representations, recommendations, or endorsements, explicitly or implicitly, of any kind regarding such content, including any potential loan offers or options presented on those websites or the content on any website linked to such websites (including as to any changes or modifications thereto).
If a lender in our network contacts you and solicits you for a loan application, that lender must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure (TRID) Rule, and/or other federal and state laws. These disclosures include details and estimates of your cost of credit and closing costs, notice that your mortgage loan servicing may be transferred, and notice of your right to a copy of any appraisal performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Consumer Financial Protection Bureau (CFPB) administers compliance with these laws and may be contacted at: Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, D.C. 20552.
The foregoing requirements are mandatory for all lenders, however, DiamondLendingTeam makes no representations as to the adequacy or compliance on behalf of any lender as we do not participate in the loan application process or make any credit decisions.
Diamond Lending Team (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit our website or use our services.
2. Information We Collect
We may collect the following types of information:
Personal Information: Name, email address, phone number, mailing address, date of birth, financial and employment information, etc.
Loan Application Data: Income, credit score, banking information (only if submitted for loan processing).
Website Usage Data: IP address, browser type, pages visited, cookies, and interaction data.
3. How We Use Your Information
We use your information to:
Process loan applications and provide services.
Verify identity and perform credit checks.
Comply with legal and regulatory obligations.
Communicate with you regarding your application or inquiries.
Improve our website and customer experience.
4. Sharing Your Information
We may share your data with:
Authorized third-party service providers: e.g. credit bureaus, data verification services, payment processors.
Government authorities: When required by law.
Marketing partners: Only with your explicit consent.
We never sell your personal information.
5. Data Security
We implement robust security measures, including data encryption (TLS/SSL), firewalls, and access controls to protect your information from unauthorized access or disclosure.
6. Data Retention
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy and to meet legal or regulatory requirements (usually up to 7 years).
7. Your Rights
You have the right to:
Access and correct your personal data.
Request data deletion (subject to applicable laws).
Withdraw consent for non-essential data processing.
File a complaint if you believe your data has been mishandled.
To exercise these rights, please contact us at:
jakem@diamondlendingteam.com
8. Cookies
Our website uses cookies to enhance user experience and analyze traffic. You can choose to disable cookies in your browser settings, but some site features may not function properly.