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  FURTHER, YOU SHOULD KNOW THAT, it is possible that, upon review of your application and credit records, the lending institution will determine that (1) you cannot be approved  for credit or, (2) you fall into a higher risk classification. Your final rate could be higher or lower than the rate a licensed broker has quoted. If there is a change, you will be notified and you will  have the option to accept the new rate or not.  All products and product features may not be available in all states,  ASK YOUR LICENSED PROFESSIONAL WHAT IS BOTH AVAILABLE, AS WELL AS RIGHT FOR  YOU.  Complete details are included in the specific disclaimers and consumer disclosure material that is provided to each prospective customer by their licensed broker, when the final application is  completed.

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