Electronic Consent + Accessibility Statement

The loan for which you are applying involves various disclosures, records, and documents (“Loan Documents”), including this Electronic Consent Agreement. The purpose of this Electronic Consent Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

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Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this Electronic Consent Agreement, “eDisclosures” means the Loan Documents related to this transaction that are provided electronically, “You” and “Your” mean the borrower(s) under the applicable loan to which such Loan Documents apply, and “We”, “Our” and “Us” mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

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YOUR CONSENT

• Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which You are applying. If You provide Your consent by clicking the “I agree” button at the bottom of the page, We will conduct this transaction electronically, instead of providing You with the Loan Documents in paper form.

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• If a document related to Your loan is not available in electronic form, a paper copy will be provided to You free of charge.

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• Conducting this transaction electronically is an option. If You choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to You.

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• If You do not consent to receive these Loan Documents electronically, You will be provided with copies of the Loan Documents in paper form. Additionally:

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• You will not be required to pay a fee for receiving paper copies of the Loan Documents.

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WITHDRAWL OF CONSENT

• You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form.

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• If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by notifying Us at 503-941-5473 or by written letter addressed to NW Alternative Mortgage, 5335 Meadows Rd, Suite 388, Lake Oswego, OR 97035

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• If You originally consent to receive eDisclosures, but later withdraw Your consent, You will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents.

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OBTAINING PAPER COPIES​

• After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at 503-343-7999 or NW Alternative Mortgage, 15335 Meadows Rd, Suite 388, Lake Oswego, OR 97035

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• If You request paper copies of the Loan Documents You will not be required to pay a fee for receiving paper copies of the Loan Documents.

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SYSTEM REQUIREMENTS

• In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.

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• If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.

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HOW WE CAN CONTACT YOU

• You must promptly notify Us if there is a change in Your email address or in other information needed to contact You electronically. You can contact Us at at 503-343-7999 or visit us at 17125 Boones Ferry Rd, Lake Oswego, OR 97035

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• We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event Your email address on file is invalid; Your email or Internet service provider filters the notification as “spam” or “junk mail”; there is a malfunction in Your computer, browser, Internet service and/or software; or for other reasons beyond Our control.

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Accessibility 

This is an accessibility statement from Northwest Alternative Mortgage.

Measures to support accessibility

Northwest Alternative Mortgage takes the following measures to ensure accessibility of Northwest Alternative Mortgage:

• Include accessibility as part of our mission statement.

• Include accessibility throughout our internal policies.

Conformance status

The Web Content Accessibility Guidelines (WCAG) defines requirements for designers and developers to improve accessibility for people with disabilities. It defines three levels of conformance: Level A, Level AA, and Level AAA. Northwest Alternative Mortgage is partially conformant with WCAG 2.1 level AA. Partially conformant means that some parts of the content do not fully conform to the accessibility standard.

Feedback

We welcome your feedback on the accessibility of Northwest Alternative Mortgage. Please let us know if you encounter accessibility barriers on Northwest Alternative Mortgage:

• Phone: 503-343-7999

• E-mail: info@nwalternativemortgage.com

• Visitor Address: 17125 Boones Ferry Rd, Lake Oswego, OR 97035

• Postal Address: 17125 Boones Ferry Rd, Lake Oswego, OR 97035

We try to respond to feedback within 2 business days.

Compatibility with browsers and assistive technology

Northwest Alternative Mortgage is designed to be compatible with the following assistive technologies:

Northwest Alternative Mortgage is not compatible with:

• Browsers older than 3 major versions may encounter issues viewing content correctly.

Technical specifications

Accessibility of Northwest Alternative Mortgage relies on the following technologies to work with the particular combination of web browser and any assistive technologies or plugins installed on your computer:

• HTML

• JavaScript

These technologies are relied upon for conformance with the accessibility standards used.

Limitations and alternatives

Despite our best efforts to ensure accessibility of Northwest Alternative Mortgage , there may be some limitations. Below is a description of known limitations, and potential solutions. Please contact us if you observe an issue not listed below.

Known limitations for Northwest Alternative Mortgage:

1. : We have done our best to provide all images on site text alternatives because . . Please use the ‘report issue’ button if you encounter an issue”.

Assessment approach

Northwest Alternative Mortgage assessed the accessibility of Northwest Alternative Mortgage by the following approaches:

• Self-evaluation

Date

This statement was created on 27 June 2024