Advertising Disclosure

Manulender.com (owned and operated by Buildbettercredit.Org, LLC) is an independent, advertising-supported comparison service. The offers or the lenders we put you in contact with, including any lenders we may recommend, that appear on this site are from companies from which manulender.com receives compensation. This site does not include all mortgage lenders or brokers, nor does it include all available mortgage offers.

Note, our “recommended” lender or specific loan offer may not always be the lowest cost option available to you. As educated consumers are our best customers, we kindly invite you to explore and weigh all your options.

Manulender is not a lender in any transaction and does not make loans, loan commitments or lock rates. All credit decisions, including loan approval 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.

You may not be matched with the lender making a particular conditional loan offer, and Manulender does not guarantee that any lender will make you a conditional loan offer. Manulender arranges for conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. 

Manulender does not endorse, warrant, or guarantee any mortgage product, service or company and makes no representation of any rates or financial programs.

Manulender is not a mortgage broker or lender. The information provided by you to Manulender is not an application for a mortgage, nor is it used to pre-qualify you with any lender. 

Buildbettercredit.org (and the websites it manages, known collectively as "Manulender.com") is a personal finance lead generation website that helps people with tools and information. Manulender.com helps site users to get in touch with licensed mortgage brokers & licensed mortgage lenders, (collectively, “financial services”) of their interest in obtaining financial products and mortgages.

Manulender.com assists users who: (1) complete a brief information form on our website; and (2) request that Manulender.com provide their information form to one or more financial services companies. When a financial services company receives an information form from Manulender.com, the financial services company will contact the users directly. Manulender.com will not, to its best knowledge, forward users’ information to any nonexempt, unlicensed financial services company.

As the financial services companies are completely separate entities or are affiliates of Manulender.com, Manulender.com is not responsible or liable for the services provided by the financial services companies to whom we forward user information. Manulender.com can neither endorse nor guarantee the services or products of the financial services companies with whom we work, including, but not limited to advertised rates, points or loan programs. Conversely, Manulender.com shall not be liable for any damages concerning the information provided by the user, including but not limited to accuracy and errors.

Manulender.com does not charge site users for any services. Manulender.com is compensated directly by the financial services companies with whom we work. Accordingly, Manulender.com shall not be liable for any costs incurred by users in doing business with any financial services companies.

In order to provide our services, Manulender does share consumer information submitted with licensed mortgage brokers & licensed mortgage lenders, (collectively, “financial services”) of their interest in obtaining financial products and mortgages. Please note we neither originate loans nor employ loan originators.

  Florida Residents

Manulender.com originates neither mortgage loans nor commitments. As such, even though Manulender.com will pass on your information submitted to the website to participating Mortgage Originators, Manulender.com cannot guarantee the acceptance of potential borrowers into any particular loan program or promise any specific loan terms or conditions. Should a potential borrower work with a Mortgage Originator linked via Manulender.com, the Mortgage Originator will provide a loan estimate that discloses settlement charges and loan terms. At the time a loan estimate is provided to the borrower, the Mortgage Originator must identify in writing an itemized list that provides the recipient of all payments charged to the borrower. The documentation you receive will also include information on whether any fees paid are refundable. YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM MANULENDER.COM OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY MANULENDER.COM. HOWEVER, MANULENDER.COM RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD.

Maine Residents   

Manulender.com does not act as your lender or broker. Manulender.com forwards your information to our participating Mortgage Originators who then contact you directly with their offers. Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Additionally, Manulender.com cannot guarantee the lowest price or best terms or rates available on the market. Our fees are flat and are collected from our partners, the amount from which is not dependent upon whether or not a loan is closed.

This agreement remains in force only for as long as you use the services offered by Manulender.com. Should you discontinue this relationship, you will not incur any cost or penalty.

Escrowing of Consumer Funds

Manulender.com does not collect fees or any money from the consumer, thus, no escrow account is required.

   Texas Residents

Duties and Nature of Relationship

Manulender.com does not act as your lender or broker. Manulender.com forwards your information to our participating Mortgage Originators who then contact you directly with their offers.

Compensation

Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Our fees are flat and are collected from our partners, the amount from which is not dependent upon whether or not a loan is closed.

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 WEB SITE AT WWW.SML.TEXAS.GOV.

Manulender only share the basic information provided by a consumer and does not collect sufficient information to trigger loan application. Manulender only provides information about common topics while trying to connect an interested consumer to a lending institution with basic contact information as well as minor details of the consumers situation and desire.