Legal

Legal

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Disclosures

In accordance with the legal Equal Credit Opportunity Act, Co/LAB Lending does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law. Co/LAB Lending, LLC supports the legal Equal Housing Opportunity. NMLS ID #1219828 (www.nmlsconsumeraccess.org) | 877-314-1499.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Co/LAB Lending” is a registered trademark of Munar Mortage, LLC. 8795 Peach Street, Suite 100, Erie, PA 16509.

Decision times are usually within 48 hours. Preapproval is determined by a number of factors. Not everyone will qualify.

Legal Notice Regarding Our Mortgage / Payment Calculators

Our calculators are intended for planning and education purposes only. The figures are based on the numbers shown on the payment calculator. The interest rate, APR, and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors. Chart data is for illustrative purposes only. Costs displayed here are not necessarily all inclusive and can vary based on numerous factors. Rates are subject to change without notice. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice and should not be used as your sole source of information. Rates assume a credit score of 740 or higher, single family home for a purchase. Munar Mortgage, LLC dba. Co/LAB Lending strives to keep the information accurate and up to date but does not guarantee the applicability of the above terms in regards to your individual circumstances. APR = Annual Percentage Rate.

Disclaimer About Mortgage Loan Products On The Website

This website provides information about certain lender loan programs and programs. All programs and information listed on this website are subject to change at any time, without prior notice. It is strongly recommended that visitors to this website contact one of our representatives to determine if the current loan guidelines meet their needs and what the current loan program guidelines are.

Notice about Non-Qualified Mortgages

Non-Qualified Mortgage products may have a higher interest rate, more points or more fees than other products requiring documentation.

Decision Times

Decision times are usually within 24 hours. There are times when the volume of pre-qualifications may slow the process down.

Texas Required Consumer Notice

Complaints: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

Recovery Fund: The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov.

State Licencing Entities

Munar Mortgage LLC DBA Co/LAB Lending is licensed through and with the following stage regulatory agencies.

Pennsylvania Department of Banking

17 N 2nd St
Harrisburg, PA 17101,
United States
1-800-722-2657

Pennsylvania License #68350

North Carolina Commissioner of Banks

316 W Edenton St
Raleigh, NC 27603
United States
919-733-3016

North Carolina License #B-198544

Office of the Commissioner of Financial Institutions of Puerto Rico

416 Ponce de León Ave
San Juan, 00918
Puerto Rico
787-723-3131

Puerto Rico License #MB-006

Florida Office of Financial Regulation

200 E Gaines St
Tallahassee, FL 32399
United States
1-800-848-3792

Florida License #MBR3179

Ohio Division of Financial Institutions

77 S High St #21
Columbus, OH 43215
United States
614-728-8400

Ohio License #RM.804561.000

Texas Department of Savings and Mortgage Lending

2601 N Lamar Blvd #201
Austin, TX 78705
United States
512-475-1350

Maryland Office of the Commissioner of Financial Regulation

500 N Calvert St #402
Baltimore, MD 21202
United States
410-230-6100

Maryland License #1219828

The Virginia Bureau of Financial Institutions

1300 E Main St #800
Richmond, VA 23219
United States
804-371-9657

Virginia License #MC-7277

West Virginia Division of Financial Institutions

900 Pennsylvania Avenue, Suite 306
Charleston, WV 25302
United States
304-558-2294

West Virginia License #MB-1219828

Co/LAB Lending is licensed in and has branch office locations in Pennsylvania and Puerto Rico:

  • Erie PA Branch: Pennsylvania Department Of Banking NMLS# | 1520524
    • 8795 Peach Street, Suite 100, Erie, PA 16509
    • Branch Manager, Eric Varner, NMLS# 1701818
  • Harrisburg PA Branch: Pennsylvania Department Of Banking NMLS# | 1632282
    • 4400 Linglestown Road, Suite 223, Harrisburg, PA 17112
    • Branch Manager: Andres Munar, NMLS# 142275
  • Erie, PA, Village Commons Branch: Pennsylvania Department Of Banking NMLS# | 146620
    • 2564 Village Common Drive, Erie, PA 16506
    • Branch Manager, Keith Caughey, NMLS# 1701761
  • Wexford, PA, Branch: Pennsylvania Department Of Banking NMLS# | 2192801
    • 11269 Perry Hwy, Suite 300, Wexford, PA 15090
    • Branch Manager, , NMLS# 146068
  • San Juan, Puerto Rico: The Office of the Commissioner of Financial Institutions of Puerto Rico NMLS# | 2228417
    • 160- 162 Calle Las Flores Edificio, Las Flores Oficina 2B San Juan, 00911, PR, 00911
    • Branch Manager, Andres Munar, NMLS# 142275

Co/LAB Lending is licensed in Florida, Maryland, North Carolina, and Ohio but with no branch offices.

  • Florida License #MBR3179
  • Maryland License #1219828
  • North Carolina License #B-198544
  • Ohio License #RM.804561.000
  • Virginia License #MC-7277

Co/LAB Lending Loan Officers:

  • Andres Munar | NMLS# 142275
    • Pennsylvania Department Of Banking;
    • Florida Office of Financial Regulation;
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;
    • Texas Department of Saving and Mortgage Lending
  • Megan Marsh | NMLS# 134230
    • Pennsylvania Department Of Banking;
    • Maryland Office of the Commissioner of Financial Regulation;
    • North Carolina Commissioner of Banks;
    • Ohio Department of Commerce;
    • The Virginia Bureau of Financial Institutions
  • Mike Cawley | NMLS# 228908
    • Pennsylvania Department Of Banking;
  • Brian Allen | NMLS# 145600
    • Pennsylvania Department Of Banking;
  • Kendy Alvarez | NMLS# 1124137
    • Pennsylvania Department Of Banking;
  • Keith T. Caughey | NMLS# 146620
    • Pennsylvania Department Of Banking;
  • Mauricio Gonzalez-Roberts| NMLS# 1500467
    • Florida Office of Financial Regulation;
    • Pennsylvania Department Of Banking;
  • Matthew Cobb | NMLS# 1978682
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;
  • Christopher Posch | NMLS# 2230870
    • Pennsylvania Department Of Banking;
  • Kevin Schneck | NMLS# 2149778
    • Pennsylvania Department Of Banking;
  • Nathaniel Stewart | NMLS# 2266584
    • Florida Office of Financial Regulation;
    • The Office of the Commissioner of Financial Institutions of Puerto Rico
  • Mauricio Gonzalez-Roberts | NMLS# 2192801
    • Pennsylvania Department Of Banking;
  • Rusty Rocus | NMLS# 1683292
    • West Virginia Division of Financial Institutions;
    • Pennsylvania Department Of Banking;
  • Lisa Smith | NMLS# 2473589
    • Pennsylvania Department Of Banking;
  • Samuel Sweny | NMLS# 2294786
    • Pennsylvania Department Of Banking;
  • Matthew McKenna | NMLS# 1997232
    • Pennsylvania Department Of Banking;
  • Tatiana Reza | NMLS# 1705009
    • Pennsylvania Department Of Banking;
  • Alberto Fernandez | NMLS# 914230
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;

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