This is to give you notice that McCaffrey Homes has a business relationship with McCaffrey Home Mortgage. They are both 100% owned by the same ownership group (the "McCaffrey Owners"). Because of this relationship, this referral may provide McCaffrey Owners with a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for financing of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

McCaffrey Home Mortgage is a mortgage broker and will not make any charges to the purchaser/borrower for its services, but will receive compensation from the lenders to whom it brokers of approximately 2% of the loan. You will be charged certain third party fees for an appraisal(s), credit reports and additional closing costs by the escrow/title company, and lender. McCaffrey Home Mortgage and/or the applicable lender will provide you with a Loan Estimate detailing credit costs and loan terms, including closing costs.

ACKNOWLEDGMENT