Disclosures

General

Lazarus LLC (“BuilderRates”) provides marketing, educational, and business introduction services. We are not a lender, do not make credit decisions, and do not fund loans. Any rates, terms, or approvals described on our website or in communications are illustrative or provided by third parties and remain subject to separate underwriting by those parties.

Not investment advice

Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security. BuilderRates does not provide investment, tax, or legal advice. Real estate investments involve substantial risk, including possible loss of principal. Past performance of similar strategies or transactions is not indicative of future results. Consult licensed professionals before making investment decisions.

Compensation

We may receive compensation from lenders, brokers, or other partners when we facilitate introductions that result in funded loans or other bona fide business outcomes, consistent with applicable law and our agreements. This compensation does not change the interest rate or fees you pay to a lender, which are set solely by that lender’s pricing and disclosures. A summary of our business model is available on our How we make money page.

Licensing and registration

Licensing and registration requirements vary by state and activity. Confirm Lazarus LLC’s current registrations with qualified counsel before relying on this disclosure. Additional state licenses may apply depending on transaction type and location; lender partners maintain their own licenses and disclosures.

We are not a federally insured depository institution. Deposits are not FDIC-insured through BuilderRates.

Fair lending

BuilderRates does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any characteristic protected by law. Lenders in our network make credit decisions under their own policies and applicable fair lending requirements.

Credit and reporting

Initial conversations may not require a credit inquiry. If you authorize a formal application with a lender, that lender may obtain credit reports and the inquiry may affect your credit score in accordance with their disclosures and the Fair Credit Reporting Act.

Forward-looking statements

Statements regarding timing, market conditions, or savings are forward-looking and subject to risks and uncertainties. Actual results may differ materially.

Contact

Questions about these disclosures: hello@builderrates.com or 30 N Gould, Sheridan, WY 82801.