Disclosure of Lead Generation Sharing Agreement

Thank you for considering Bay Capital Mortgage Corporation and Home Towne Real Estate (HTRE) as you embark on your homebuying journey. Transparency is important to us, and we are committed to ensuring you have all the information necessary to make informed decisions. Bay Capital Mortgage Corporation and HTRE have entered into a lead generation sharing agreement. Under this agreement:

  1. The costs associated with lead generation are shared between Bay Capital Mortgage Corporation and HTRE.

  2. Neither Bay Capital Mortgage Corporation nor HTRE has any financial ownership or interest in the other.

Please note the following:

  • You are not required to use Bay Capital Mortgage Corporation as your lender in connection with your home purchase.

  • You are free to choose any lender that meets your needs.

  • HTRE does not receive any compensation, commission, or other financial incentive from Bay Capital Mortgage Corporation for referring you as a a client, in compliance with the Real Estate Settlement Procedures Act (RESPA).

RESPA Compliance Statement

This disclosure complies with Section 8 of the Real Estate Settlement Procedures Act (RESPA),

which prohibits the payment or receipt of any fee, kickback, or thing of value for referrals of

settlement service business. The lead generation sharing agreement referenced here is for the

purpose of covering the costs of lead generation only and does not involve any prohibited

compensation arrangements.

We are happy to answer any questions or concerns you may have about this disclosure or our

relationship with HTRE. Your confidence and trust are important to us as you navigate this

exciting milestone.