Disclosures

Wonder Rates, Inc. is a licensed mortgage broker. We are not a bank or a depository institution, and we are not affiliated with, endorsed by, or acting on behalf of any government agency.

NMLS ID

#1518655

California DRE

#02047445

California DFPI

#60DBO-59134

Our licenses, the states we are authorized to originate in, and the individual loan originators who work here can all be verified for free through the Nationwide Multistate Licensing System (NMLS) Consumer Access database:

https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1518655

Real estate brokerage activity is licensed by the California Department of Real Estate, license #02047445. Lending activity is licensed by the California Department of Financial Protection and Innovation under the California Financing Law, license #60DBO-59134.

Licensed offices

Wonder Rates is licensed to originate residential mortgage loans in 17 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Virginia, and Washington. We do not take applications, offer terms, or originate loans in states where we are not licensed. Licensing changes over time — NMLS Consumer Access is the authoritative record.

• Alabama
• Arizona
• California
• Colorado
• Florida
• Georgia
• Louisiana
• Michigan
• North Carolina
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Carolina
• Texas
• Virginia
• Washington

State-specific notices

Texas. Consumers wishing to file a complaint against a company or a residential mortgage loan originator should review the Texas Recovery Fund Notice required by 7 TAC §80.200(b), which includes the Texas Department of Savings and Mortgage Lending complaint address and toll-free consumer hotline.

Additional state-required disclosures are delivered with your loan application and loan documents where applicable.

We are a broker, not a lender. Wonder Rates arranges loans with third-party wholesale lenders. We do not make credit decisions, fund loans, or service them. The lender that funds your loan sets the final terms.

Nothing on this site is a commitment to lend. Rates, payments, fees, and program terms shown anywhere on this site — including on our calculators, rate pages, sample scenarios, and ads — are estimates for illustration only. They are not an offer or a guarantee of credit. All loans are subject to underwriting, credit approval, income and asset verification, property appraisal, title review, and program eligibility. Not all applicants qualify.

Rates change. Displayed rates are based on assumptions that may not match your situation, including credit score, loan amount, loan-to-value ratio, occupancy, property type, debt-to-income ratio, discount points, and lock period. Your actual rate and annual percentage rate (APR) may be higher or lower. Rates are not locked until you receive a written lock confirmation.

Calculators are educational. Our calculators produce estimates from the inputs you provide and do not include every cost of homeownership. They are not financial, tax, legal, or investment advice. Consult your own advisors.

Credit checks. Checking your options at the start of the process uses a soft credit inquiry, which does not affect your credit score. A hard credit inquiry, which may affect your score, occurs later — only with your authorization — when you move forward with a full loan application.

Compensation. As a mortgage broker, Wonder Rates is compensated either by the lender or by the borrower on a given transaction, but never by both. The compensation arrangement that applies to your loan is disclosed to you in writing before closing.

Equal Housing Opportunity. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, receipt of public assistance, or the exercise of any right under the Consumer Credit Protection Act.

Wonder Rates advertises online, including on search engines and social media platforms. If you reached this site from an advertisement, the following applies to that ad and to the page it sent you to.

Advertised rates and figures. Any rate, payment, savings amount, or timeline in an advertisement is an example based on stated or typical assumptions. It is not an offer, a quote, or a promise of a specific result. Your terms depend on your own file.

Results and testimonials. Borrower stories, case studies, closing timelines, and savings figures describe the experience of specific clients under the conditions that existed at the time. They are not typical results and they are not a prediction of your outcome.

Awards and recognition. Industry recognition referenced on this site reflects the criteria of the organization that granted it at the time it was granted. It is not a guarantee of future performance and is not an endorsement by any regulator.

Lead forms. Forms on this site collect information so a licensed loan officer can contact you and prepare an estimate. Submitting a form does not create an application, a pre-approval, or any obligation on either side. We do not charge consumers a fee to receive information or a quote.

Third-party ad platforms. We use advertising and measurement tools from third parties such as Google and Meta. Their use of information collected on this site is governed by their own privacy policies as well as ours. You control what these tools may do here in section 6.

Education and courses. Our loan officer and real estate investment courses are educational programs. They are not investment advice, and they do not guarantee licensure, employment, income, or investment returns.

Contact consent. When you submit your phone number through a form on this site and check the consent box, you authorize Wonder Rates and the loan officer assigned to you to contact you at that number about your inquiry — including by autodialed or prerecorded calls and by text message. Message and data rates may apply, and message frequency varies.

Consent is not a condition of purchase. You are not required to agree to receive marketing calls or texts in order to apply for, or to receive, any loan or service from us. You can always reach a person by calling 408-600-1900.

How to stop. Reply STOP to any text message to opt out, or HELP for help. To be removed from marketing calls or emails, use the unsubscribe link in any email or write to privacy@wonderrates.com. We may still send you transactional messages about a loan in progress.

Electronic records and signatures. By agreeing to do business electronically, you consent under the federal E-SIGN Act to receive disclosures, notices, and loan documents in electronic form and to use electronic signatures. You may withdraw that consent and request paper copies at any time by contacting us. To receive electronic records you need a current web browser, an active email address, and the ability to open and save PDF files.

Call recording. Calls with our team may be monitored or recorded for quality, training, and compliance purposes.

Wonder Rates handles nonpublic personal financial information under the Gramm-Leach-Bliley Act and applicable state privacy laws. Our Privacy Policy explains what we collect, why, who we share it with, and the rights you have. The controls below govern the tracking technologies this website may use in your browser.

Cookie and tracking consent

Advertising and analytics cookies are on by default, consistent with the opt-out framework of the states where we lend. You can turn them off below at any time. Your choice is stored in a first-party cookie on this device and applies until you change it. Clearing your browser cookies clears the record, and cookies default back on unless your browser sends a Global Privacy Control signal (see below).

Do not sell or share my personal information

California, and several other states where we lend, treat the use of advertising cookies and pixels as a "sale" or a "share" of personal information for cross-context behavioral advertising. Turning off Advertising cookies above opts you out of that sharing on this browser and device. We do not sell personal information for money, and we do not sell or share the nonpublic personal information you give us in a loan application.

To opt out across every device and channel, or to exercise any other privacy right, email privacy@wonderrates.com or call 408-600-1900. We will not discriminate against you for exercising a privacy right.

Opt-out preference signals

We honor the Global Privacy Control (GPC). If your browser or extension sends a GPC signal, we treat it as a valid opt-out of the sale and sharing of your personal information and keep advertising cookies off on that browser without any further action from you.

Accessibility

We are working to keep this site usable for everyone, including people using assistive technology. If you run into a barrier on any page, tell us at privacy@wonderrates.com or 408-600-1900 and we will provide the information you need in another format.

Start with us — call 408-600-1900 or write to our main office. You may also contact a regulator directly:

• NMLS Consumer Access — verify our licenses and file a complaint through your state regulator: nmlsconsumeraccess.org
• California Department of Financial Protection and Innovation — dfpi.ca.gov/submit-a-complaint
• Texas Department of Savings and Mortgage Lending — see the Texas Recovery Fund Notice
• Consumer Financial Protection Bureau — consumerfinance.gov/complaint

• Privacy Policy — what we collect, how we use it, and your rights
• Terms of Use — the terms governing your use of this site
• Texas Recovery Fund Notice — required under 7 TAC §80.200(b)

Wonder Rates, Inc.
9191 Bolsa Ave #213, Westminster, CA 92683
NMLS #1518655 · DRE #02047445 · DFPI #60DBO-59134