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Lower, LLC dba Thrive Mortgage | Loan Officer │ Branch Manager | NMLS #297242 | Branch NMLS #2558408 | CA │ CO - CO 100509163 │ LA │ MA – MLO297242 │ MN – MLO 297242 │ NM │ NC – I - 212206 │ PA – 96559 │ TN – 297242 │ TX
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TEXAS MORTGAGE BANKER DISCLOSURE

Pursuant to the requirements of Section 157.007 of the Mortgage Banker Registration and Residential Mortgage Loan Originator Act, Chapter 157, Texas Finance Code, you are hereby notified of the following: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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 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 mortgage banker residential mortgage loan originators. A written application 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 website at www.sml.texas.gov.