FM Home Loans, LLC – Refund Policy for Upfront Fees At FM Home Loans, LLC, we are committed to transparency and fairness in our mortgage application process. Below is our policy regarding the refund of upfront fees. 1. Refund Eligibility Upfront fees paid by the borrower will be refunded in full if:

• The loan does not close, and
• No third-party expenses have been incurred on behalf of the borrower.

2. Non-Refundable Third-Party Expenses If any third-party services have been ordered and completed, those costs will be deducted from the refund. These may include, but are not limited to:

• Appraisal Fees
• Credit Report Fees
• Title Search Fees
• Other Service Fees Paid to Third Parties

If such expenses have been incurred, the borrower will receive a refund of the upfront fees minus the actual cost of these services. 3. Refund Process

• Refund requests must be submitted in writing to ap@fmm.com
• Approved refunds will be processed within 10 business days of the request.
• Refunds will be issued via the original payment method.

4. Exceptions & Disputes

• If the loan was declined due to borrower misrepresentation or failure to provide required documentation, the upfront fee may not be refunded.
• Any disputes regarding refund amounts must be submitted in writing within 10 days of the refund decision.

For any questions regarding this policy, please contact FM Home Loans, LLC

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