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Eloan: Enjoyable and affordable way to obtain loans.

E-LOAN, Inc. is a consumer direct lender dedicated to providing borrowers across the credit spectrum with a more enjoyable and affordable way to obtain home purchase, refinance, home equity and auto loans. By making credit scores freely available to consumers and integrating them with a suite of sophisticated tools, Eloan is pioneering debt advice – helping consumers proactively manage their debt to lower their overall borrowing costs. The company relentlessly advocates eliminating the dumb processes, fees, hassle, haggle and lack of transparency traditionally associated with the consumer loan experience. Protecting consumers' financial privacy is a paramount concern, prompting E-LOAN to implement industry leading privacy practices and advocate strong consumer financial privacy protection laws.

Consumers can log onto eloan.com or call 1-888-E-LOAN-22 to access E-LOAN’s products, services and team of dedicated loan professionals. E-LOAN, Inc. is publicly traded on the Nasdaq National Market under the symbol EELN. From inception through December 2003, E-LOAN has originated and sold over $18.9 billion in consumer loans.

Once you submit the application, your loan will immediately begin the underwriting process. In most cases E-LOAN will deliver your credit decision within 24 hours. Meanwhile your Loan Consultant will contact you within 1 hour to answer any questions. Your personal Loan Consultant is assigned to guide you through the loan process. Your Loan Consultant is your single point of contact until you close your loan. If you have applied during business hours, your Loan Consultant will call you to answer questions and provide their contact information within 1 hour.

We recommend you apply for a purchase loan before you find a property.

In fact if you are in the process of looking for a property "Eloan" recommends that you apply for pre-approval. A pre-approval will review your financial situation to determine if you are likely to qualify based on the estimated loan amount and purchase price information that you provide in your application. A pre-approval gives you greater flexibility and leverage while you conduct your home search. Please note that we cannot lock your rate until you specify a property address.

Interest rates fluctuate daily, so the rates available when you apply may be different than the rates available when you decide to lock your interest rate. By locking, you protect your selected rate for a stated period regardless of market fluctuation. Once your rate is locked, you will receive a lock confirmation stating the rate and terms that you have protected.

In order to determine your tax benefits it is best to consult your tax advisor or attorney for specific tax guidelines. However, in most cases the interest on your home equity line of credit is deductible as long as your home equity debt is $100,000 or less and the total debt on your home is less than or equal to your home's appraised value. Any mortgage debt above your home's appraised value may not be tax deductible.

Consider the benefits "Eloan" has to offer that many other lending institutions may not:

• A no-obligation E-LOAN PowerCheck with the negotiating power of cash.
• The ability to complete the entire loan process in minutes without ever leaving your home or office.
• A response in 15 minutes - during our business hours.
• A choice between electronic payments or monthly invoice.
• Mortgages, home equity loans and auto loans with low rates and personal service.
• Eloan does not charge a fee to apply for a loan. No down payment or hidden fees.

You are welcome to: E-LOAN - home equity loans and auto loans with low rates and personal service all in a secure and private online environment. Please complete application with all necessary fields filled in, including a valid name and social security number for a loan product that can be offered by Eloan. There is no an application fee. Eloan does not require an up-front fee to submit an application and begin the loan process. Eloan is licensed in all 50 states of USA. If you have any inquiries prior to filing an application, please call 1-888-533-5333. Our hours are Monday through Friday, 6am to 6pm PST.

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