Disclosures

2. NO LOAN OFFER OR COMMITMENT

Nothing on this Website constitutes an offer, commitment, approval, or guarantee to extend credit.

Submitting a contact form or contacting Fetra Corp does not constitute an application approval, financing commitment, or obligation to provide a loan.

Any financing transaction will be subject to applicable eligibility requirements, underwriting, documentation, approval, and closing conditions.

No loan or financing arrangement is binding unless and until the appropriate definitive documentation has been completed and executed.

3. LOAN TERMS AND AVAILABILITY

Actual loan terms, rates, fees, loan amounts, repayment requirements, collateral requirements, eligibility criteria, and other conditions may vary depending on the applicable lending program and the specific transaction.

Nothing on this Website should be interpreted as a representation that a particular loan amount, rate, term, fee, approval, or financing structure will be available to any particular person.

Where applicable, final terms will be provided through the appropriate financing documentation.

4. INVESTMENT PROPERTY AND BUSINESS-PURPOSE FINANCING

Fetra Corp's lending focus includes investment-property and business-purpose transactions.

Whether a particular transaction qualifies as business-purpose or commercial credit depends on the facts and circumstances of the transaction and applicable law.

Business-purpose treatment should not be assumed solely because a property is described as an “investment property” or because a borrower states that a transaction is for business purposes.

Federal Regulation Z provides an exemption for business, commercial, agricultural, and organizational credit, but the applicable purpose of the particular credit transaction must be determined based on the relevant circumstances.

5. NON-QM FINANCING

“Non-QM” refers generally to mortgage financing that does not meet the regulatory requirements applicable to Qualified Mortgages.

Fetra Corp's reference to non-QM financing on this Website does not mean that every non-QM product is available to every borrower or that a particular transaction qualifies for any particular regulatory treatment.

The availability and characteristics of any financing product depend on the applicable program and transaction.

6. DSCR LOANS

DSCR stands for Debt Service Coverage Ratio.

DSCR financing generally evaluates the relationship between qualifying property income and debt obligations.

References to DSCR loans on this Website are for general informational purposes and do not guarantee eligibility, qualification, approval, loan terms, or financing availability.

Actual requirements vary by applicable lending program.

7. FIX-AND-FLIP LOANS

Fix-and-Flip financing is intended for eligible real estate investment transactions involving the acquisition of a property with the intention of renovating and reselling it.

References to Fix-and-Flip financing do not constitute a guarantee that a particular property, borrower, project, renovation plan, or transaction will qualify for financing.

Applicable underwriting, documentation, and approval requirements will determine whether financing is available.

8. BRIDGE LOANS

Bridge Loans may provide short-term financing for eligible real estate investment transactions where a temporary financing solution is needed.

References to Bridge Loans on this Website do not constitute a promise that bridge financing will be available for a particular transaction.

Any applicable term, duration, pricing, collateral requirement, repayment requirement, or other condition will be determined through the applicable lending process and documentation.

9. BUSINESS-PURPOSE LOANS

Business-purpose loans are intended for eligible transactions conducted for business or investment purposes.

Fetra Corp's Website references business-purpose financing in connection with eligible real estate purchases and refinancing transactions.

The legal and regulatory classification of a transaction depends on the actual purpose and circumstances of the credit transaction.

10. NO GUARANTEE OF APPROVAL

Fetra Corp does not guarantee that any visitor, borrower, investor, business, property, or transaction will qualify for financing.

Factors relevant to a financing decision may vary by lending program and transaction.

Contacting Fetra Corp, submitting an inquiry, or providing information does not guarantee approval or funding.

11. NO GUARANTEE OF INVESTMENT PERFORMANCE

Fetra Corp does not guarantee the success, profitability, appreciation, rental income, resale value, or performance of any real estate investment.

Nothing on this Website should be interpreted as a recommendation that you purchase, sell, refinance, renovate, hold, or otherwise transact in any particular property.

You are responsible for conducting your own investment analysis and obtaining appropriate professional advice.

12. FINANCIAL, TAX, LEGAL, AND INVESTMENT ADVICE

Information on this Website is general in nature.

It is not a substitute for advice from a qualified attorney, accountant, tax professional, investment adviser, real estate professional, or other appropriately licensed professional.

Before entering into a financing or real estate transaction, you should obtain advice appropriate to your circumstances.

13. RATES, TERMS, AND PAYMENT INFORMATION

Unless specifically identified as an applicable offer or disclosure, information appearing on the Website regarding financing products is general information and should not be interpreted as a representation of the actual rate, APR, payment, fee, term, loan amount, or cost available to a particular borrower.

If Fetra Corp publishes specific credit terms in advertising, those advertisements and disclosures should be reviewed for compliance with applicable federal and state lending and advertising requirements before publication.

Truth-in-Lending requirements can impose specific disclosure obligations on consumer credit transactions and certain credit advertisements.

14. EQUAL CREDIT OPPORTUNITY

Fetra Corp is committed to complying with applicable fair-lending and equal-credit requirements.

Federal law generally prohibits creditors from discriminating in covered credit transactions on prohibited bases identified by applicable law.

The Equal Credit Opportunity Act and Regulation B establish federal requirements concerning equal access to credit and prohibited discrimination.

Fetra Corp does not intend for its Website content to discourage any person from making an inquiry or application for credit on a prohibited basis.

Any required state or federal equal-credit disclosure should be added based on Fetra Corp's actual licensing, lending model, and applicable transactions.

15. LICENSING AND REGULATORY INFORMATION

Fetra Corp's licensing and regulatory requirements depend on the jurisdictions in which it operates and the types of lending transactions it conducts.

No statement regarding licensing, registration, geographic availability, or regulatory status should be published unless verified by Fetra Corp and its compliance counsel.

16. PRODUCT AVAILABILITY

Not all lending products, financing structures, or programs described on this Website may be available in every jurisdiction or for every property, borrower, or transaction.

Product availability may depend on applicable law, lending program requirements, property characteristics, transaction structure, borrower qualifications, and other factors.

17. WEBSITE CONTENT

Fetra Corp makes reasonable efforts to provide useful and accurate information.

However, Website content may change and may not always reflect the most current lending criteria, product availability, legal requirements, rates, fees, or underwriting standards.

The applicable executed financing documents control the terms of an actual financing transaction.

18. PRIVACY AND INFORMATION SECURITY

Information submitted through the Website is handled in accordance with Fetra Corp's Privacy Policy.

Visitors should not submit highly sensitive financial or identification information through a general contact form unless Fetra Corp specifically directs them to an approved secure process.

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19. CONTACT INFORMATION

For questions about Fetra Corp's lending solutions: