This is not a commitment to lend. Not all borrowers will meet the requirements to qualify. Rates and terms are subject to change based on market conditions and borrower eligibility. Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive Suite 800, Allen, Texas 75013. An Equal Housing Lender. Highlands Residential Mortgage, Ltd. NMLS ID #134871, (www.nmlsconsumeraccess.org) is a Texas limited liability company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing and operates with the following licenses (Not licensed in the state of New York)

*By refinancing, your total finance charges may be higher over the life of the loan.