Natural Intelligence Technologies Inc. (“we” or “us”) is a Delaware corporation dba BestMoney and MoneyRate (NMLS) ID no. 2084135.
We operate a mortgage marketplace platform, and provide information and tools related to loans and mortgages. We are accessible online at MoneyRate.com or BestMoney.com, and through other ways. Our services intend to help you, and other users, find lenders with products and offerings that we believe you may be qualify for and compare between them.
In certain US states, our services require a mortgage broker, lender or other license.
We are not a lender or an underwriter. We do not charge users a fee to use these services. We or anyone on our behalf do not take mortgage applications, make credit decisions, lock rates, fund loans, service loans, or offer any other residential mortgage loan services. We or anyone on our behalf, will not and cannot issue approvals or commitments on any lender’s behalf. The lenders on our website will require additional information and consent from you in order to complete your loan application.
Pursuant to the Terms of Use, by using this website and our services, the disclosures and consents required under applicable state laws are deemed to be provided, received, and agreed to.
State Licenses
Licenses can be verified on NMLS Website
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2084135
Alabama Mortgage Brokers License No. 23143
Arizona Mortgage Broker License No. 103303
Arkansas Mortgage Broker License No. 126350
Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement - License No. 02167988
Colorado Mortgage Company Registration, Regulated by the Division of Real Estate, NMLS ID. No. 2084135
Connecticut Mortgage Broker License MB-2084135. We are solely a mortgage broker/lead generator. We are not a lender or correspondent lender. We will not make any mortgage loan commitments or fund any mortgage loans.
District of Columbia Mortgage Broker License No. MLB2084135. We are solely a mortgage broker/lead generator. We are not a lender or correspondent lender. We will not make any mortgage loan commitments or fund any mortgage loans.
Florida Mortgage Broker License No. MBR5195
Idaho Mortgage Broker/Lender License No. MBL-2082084135
We are not a lender or credit provider. If your loan request is forwarded to the lenders listed in our site, the lenders will contact you with additional information and/or offers. We are not distributing the products of all lenders available in the marked and therefore cannot guarantee you the lowest price or best terms available in the market.
We provide our services to you free of charge at no cost to you. We will not charge or seek fees of any kind from you. We may receive fees from the lenders listed in our site and may be paid based on fees for our services performed or provided by us or on our behalf to the lenders listed in our site.
This agreement shall be in full force and effect only to the extent that you are using our services. You may terminate this engagement at any time, without notice, at no cost or penalty to you.
Idaho Prepayment Penalty Disclosure
Please note that in the event you pay off or refinance your mortgage loan prior to the repayment date detailed in your loan agreement, you may be subject to a prepayment penalty which may be significant. Please make sure, before you sign any document or agreement, that you fully understand the prepayment charge provisions detailed in your loan agreement.
Interest Rate Lock Information
Please note that the interest rates in this site are not locked in and subject to change. We cannot lock interest rates, only the lenders may do so and it may increase your rate and/or cause additional fees to be assessed. Please make sure you fully understand the interest rate lock terms of your loan agreement.
Indiana SOS Loan Broker License No. 2084135
Iowa Mortgage Broker License No. 2022-0147
Kansas Mortgage Company License No. MC.0026086
We operate online marketplaces which provide individuals information about mortgage offerings and related products. Our marketplaces connect individuals with mortgage professionals and financial institutions offering home loans, and we are licensed with the Kansas Office of the State Bank Commissioner in accordance with the applicable laws of the state of Kansas. Our license does not represent an endorsement or recommendation of the licensee's products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about our mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 SW Jackson St., Suite 300, Topeka, Kansas 66603.
Louisiana Residential Mortgage Lending License NMLS ID No. 2084135
Maine Loan Broker License No. 2084135
Maine law requires that the disclosures below be provided to consumers before any contract is signed with, and before any money is paid to, a credit services organization or third parties.
Written Agreement or Contract Please print out this information and save it for your records. You consent, acknowledge and agree that you have read and received a copy of this Disclosure to Consumer.
Natural Intelligence Technologies Inc. will not act as your lender or credit provider. We will deliver your loan request to our lenders and our lenders will contact you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.
Natural Intelligence Technologies Inc. provides mortgage information at no cost to you, we will not charge or seek fees of any kind from you. We receive fees from lenders and may be paid by a lender based on services performed or provided by us to the lender.
This agreement remains in effect only as long as you seek to use the services offered by Natural Intelligence Technologies Inc., you may discontinue this relationship at any time, without notice, at no cost or penalty to you.
It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records.
Escrowing of Consumer Funds
Natural Intelligence Technologies Inc. does not accept any fees from the consumer, including third-party fees.
Consumer Protection Bond
A consumer protection bond is on file with the State of Maine. If you have a claim against Natural Intelligence Technologies Inc. which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035.
Michigan 1st Mortgage Broker License No. FL0024201
Minnesota Residential Mortgage Originator License No. MN-MO-2084135
NATURAL INTELLIGENCE TECHNOLOGIES INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE WE WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS IN THE MARKET.
The information on this Site may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.
Mississippi Mortgage Broker License No. 2084135
As a borrower you are protected under the Mississippi Mortgage Consumer Protection Act. Complaints against a licensee may be sent to Mississippi Department of Banking and Consumer Finance PO Box 23729 Jackson, MS 39225-3729
Montana Mortgage Broker License No. 2084135
Nebraska Mortgage Broker License No. 2084135
New Hampshire Mortgage Broker License No. 27034-MBR
Licensed by New Hampshire Banking Department.
New Mexico Mortgage Loan Company License, NMLS No. 2084135
North Carolina Mortgage Broker License No. B-213725
Natural Intelligence Technologies Inc. is a mortgage broker, not a lender or correspondent lender. Natural Intelligence Technologies Inc. will not make any mortgage loan commitments or fund any mortgage loans.
Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.804869.000
Oklahoma Mortgage Broker License No. MB015034
Oklahoma Broker Name Registration Other Trade Name #1 No. BNR15035
Oregon Mortgage Lending License No. 2084135
Pennsylvania Mortgage Broker License No. 100892
Rhode Island Loan Broker License No. 20224493LB
Natural Intelligence Technologies Inc.
South Carolina-DCA Mortgage Broker License, NMLS No. 2084135
South Dakota Mortgage Brokerage License No. 2084135.MB
Texas SML Mortgage Company License, NMLS No. 2084135
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST NATURAL INTELLIGENCE TECHNOLOGIES INC. OR OTHER 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 CONSUMER 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 RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR 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.
Utah DRE Mortgage Entity License No. 12724906
Utah DRE Mortgage Entity License - Other Trade Name #1No. 12831123
Washington Consumer Loan Company License No. CL-2084135
Natural Intelligence Technologies Inc. does not charge you a fee for services. The use of our computerized loan comparison services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on our website, and different terms and conditions, including lower rates, may be made available from others not listed in our websites.
If your loan request is forwarded to one or more participating lenders, you may receive from those lenders a good faith estimate of the settlement costs and fees as required under Washington state law and a Loan Estimate form as required by the TILA-RESPA Integrated Disclosure Act.
The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement has been made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, if any, will be set by the lender. Natural Intelligence Technologies Inc. does not offer interest rate lock-in agreements and does not guarantee any interest rate quoted by a lender.
Natural Intelligence Technologies Inc. will not collect any fees from you in connection with your loan request. All fees will be collected by and are payable to the lender.
Washington State enforces the prohibition of unfair practices with respect to credit transactions because of race, creed, color, national origin, sex, marital status, honorably discharged veteran or military status, sexual orientation, or the presence of any sensory, mental, or physical disability.
Wyoming Mortgage Broker License No. 4727