E-SIGN Consent: Electronic Records and Signatures

Effective October 19, 2026

Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and state Uniform Electronic Transactions Act (UETA) laws, we need your consent before giving you required disclosures electronically. This notice explains what you are agreeing to when you check an e-consent box or sign documents electronically with Anthony Rega, also doing business as loanfactory.io.

What this consent covers

Loan applications, Loan Estimates, Closing Disclosures, other federal and state disclosures, notices, authorizations (such as credit authorization), acknowledgments, and other records about your inquiry or loan, delivered by email, our secure borrower portal, or an e-signature service, and signed with an electronic signature.

Paper copies

You may ask for a paper copy of any record at any time, free of charge, by emailing our contact form. Asking for a paper copy does not withdraw your consent.

Withdrawing consent

You may withdraw consent at any time by emailing us. Withdrawal is free and takes effect after we have a reasonable time to process it. It does not affect records already delivered or signed. Withdrawal may slow your loan because we will then mail paper documents.

Keeping your contact information current

Please tell us promptly if your email address changes.

Hardware and software requirements

• A computer, tablet, or smartphone with internet access;
• A current version of Chrome, Safari, Edge, or Firefox with cookies and JavaScript enabled;
• Software that opens PDF files (such as a built-in PDF viewer or Adobe Acrobat Reader);
• A working email account; and
• A printer or enough storage space to save records.

If these requirements change in a way that could stop you from accessing or keeping records, we will tell you and you may withdraw consent without charge.

Your agreement

By giving e-consent you confirm that you can open and read this notice, can print or save electronic records, have an email account, and agree to receive records and use electronic signatures as described here.