Make your holidays even happier. $0 Closing Costs*. Green Tree
     
  Dear Cheryl,  
     
  How’s this for a holiday gift: $0 closing costs* when you refinance at a new low rate. Call us now at 1-844-808-4990 to see how much you may be able to lower your payment each month.  
     
  >>> SEE WHICH FEES WE'LL MELT AWAY**  
     
  Refinancing may increase the length of your loan and the total loan amount of interest you pay over the life of your loan. However, Green Tree Servicing has many home financing options available, including shorter terms. Our loan specialists can help choose the right option for you.  
     
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  Want to lower your rate now?
Call: 1-844-808-4990
Weekdays: 8am – 10pm ET Saturday: 8am – 4pm ET
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  This is an advertisement  
     
  Please see below for important information on loan terms, fees, conditions and limitations.  
     
  Application is required and is subject to credit review and approval. Full documentation required. Not all applicants will be approved. Loan secured by a lien against your property. Additional payments of taxes & property insurance are required. Rates are subject to change without notice and current rates may not be available at loan commitment, lock-in or closing. You may be required to lock in a rate when you apply. Refinancing may increase the length of your loan and the total amount of interest you pay over the life of your loan. Important information relating specifically to your loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Call for details.  
     
  Assumptions: 30-year, fixed-rate, 1st lien, rate and term refinance mortgage on a single-family, primary residence; loan amount of $220,000; loan-to-value ratio of 75.00%; credit score of 720; DTI of less than 43%; and monthly escrowing of taxes & insurance. For example, as of 12/01/2014, a $220,000 loan amount financed at 4.375% (4.433% APR), with 0.250 point(s) and 75.00% LTV, would result in 360 monthly principal and interest payments of $1,098.43.  
     
  $0 Closing Costs: *The $0 Closing Costs offer is available only for customers who submit refinance loan applications between 09/01/2013 and 02/28/2015 through Green Tree loan officers. If your loan application is approved and you close your loan with Green Tree, Green Tree will pay or waive the following fees under this offer: Credit Report Fee, Document Preparation Fee, Loan Processing/Origination Fee, Underwriting Fee, Lender Loan Services Fee, Settlement or Closing Fee, Closing Indemnification Letter Fee, Appraisal Fees, Title Search and Examination Fees, Lender’s Attorneys Fees, Recording Fees, Flood Certification and Determination Fees, and Fees related to Lender’s Title Policy and Endorsements. You are responsible for all other actual fees and costs as allowed by law (whether paid before or at closing), including fees for services not required by Green Tree. These fees and costs can include homeowner association fee, subordination fee, tax service fee, and taxes and hazard insurance, among others. Although not required under this offer, you have the option to pay discount points to obtain a lower interest rate. This offer may be withdrawn at any time at Green Tree’s sole discretion.  
     
  For Texas Residents only: If the new loan is subject to Section 50 (a) (6) and the loan-to-value ratio exceeds 80%, you will not be eligible for this refinance product.  
     
  Licensing Information
†Green Tree Servicing LLC
includes in Minnesota Green Tree Loan Company (NMLS Unique Identifier # 385703) and in New York Green Tree Credit LLC (1400 Landmark Towers, 345 St. Peter Street, Saint Paul, MN 55102, Licensed Mortgage Banker – NYS Banking Department, NMLS Unique Identifier # 37949). Green Tree Servicing LLC, 1400 Landmark Towers, 345 St. Peter Street, Saint Paul, MN 55102, 800-423-9527. NMLS Unique Identifier # 1057. Alaska Mortgage Broker/Lender Licensee No. AK1057; Arizona Mortgage Banker License # BK 0905674; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Loans made or arranged pursuant to a California Finance Lenders Law license; Colorado Responsible Party: Green Tree Servicing LLC, 800-423-9527, Regulated by the Division of Real Estate; Licensed by the Delaware State Bank Commissioner to engage in business in Delaware and operates under the following license numbers: 4943, 4350, 5370, 3656, 10908, 12507, 12559 and 17932, all of which expire 12/31/15. Georgia Residential Mortgage Licensee License # 7220; Illinois Residential Mortgage Licensee License # MB.0004400; Massachusetts Mortgage Lender License # ML 1057; Minnesota: This is not an offer to enter into an agreement. Such an offer may only be made pursuant to Minn. Stat. § 47.206 (3) and (4); Mississippi Licensed Mortgage Company; Missouri Mortgage Broker License # 13-1833-A; Licensed by the New Hampshire Banking Department, License # 5512-MB; Licensed by the N.J. Department of Banking and Insurance; Ohio Mortgage Broker Act Mortgage Banker Exemption # MBMB.850171.000; Oregon Mortgage Banker License # ML-682; Rhode Island Licensed Lender and Rhode Island Licensed Small Loan Lender; Texas Mortgage Banker Registration, licensed locations in Texas: 4250 North Freeway, Ft. Worth, TX 76137 and 1555 Walnut Hill Lane, Irving, TX 75038; Virginia: NMLS ID # 1057. (www.nmlsconsumeraccess.org). Green Tree Servicing does not currently originate mortgage loans in Hawaii or New York. Limited product availability in West Virginia.
 
     
  Because the servicing rights to certain loans were acquired by Green Tree while in default, federal law requires us to provide the following notice: This communication is an attempt to collect a debt and any information obtained will be used for that purpose. Green Tree is a debt collector.  
     
  Visit Green Tree legal information for additional details on our privacy statement and disclosures.  
     
  To update your email preferences or opt out of receiving marketing offer emails from Green Tree, please go here. Our address is 1400 Landmark Towers, 345 St. Peter Street, Saint Paul, MN 55102. Please note: If you choose to stop receiving marketing offers by email, you will continue to be contacted as necessary to service your account and for other non-marketing purposes.  
     
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  © 2014 Green Tree Servicing LLC.