This document provides legal disclaimers regarding loan qualifications and terms for SecurityNational Mortgage. Loans are subject to borrower qualifications including income, property evaluation, equity requirements, and final credit approval. Approvals and guidelines are subject to change based on eligibility and market conditions. Refinancing an existing loan may result in higher total costs over the life of the loan, and payment reductions may reflect a longer loan term. Loan terms are subject to applicant payment of points and fees. The company is an equal housing lender.