However, you can pay your loan off early with no extra fees. Current customers . Get insider information on the latest personal finance and money management skills. You can pre-qualify in minutes with no impact on your credit score. Its APRs can be high, however, and the company does not operate in every state. This example is based on an average customer with good credit. We'll be happy to answer any questions. The lending company has years of experience and a variety of loan offerings, including personal loans, automobile loans, bill consolidation loans, etc. Get buying tips about Payday and Title Loans delivered to your inbox. They always are so kind and lovely to work with. Click. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finances website. Indicates processing fee charged by Official Payments for all applicable payments. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. Explore guides to help you plan for big financial goals. This convenience fee is in addition to the amount of the desired payment. It operates in: Qualified customers may have the option to complete the entire loan process online. However, you can fill out a. The in-branch loan closing time is an estimated 60 minutes. Please ensure that the below pieces of information are entered correctly. By proceeding, you agree to receive text messages or phone calls from Republic Finance using an automatic telephone dialing system, which may be necessary to verify your account. But had a hard time in the beginning to TALK to someone. If the loan asks you to send money, personal, or financial information in return, it is most likely a scam. All Rights Reserved. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. Just endorse the You can choose between auto-secured, bill consolidation, emergency, holiday, home improvement, personal, vacation and K-12 student loans. 2 Verify your info during the loan application process. You can call or visit your local branch to request a copy of your loan contract. If you do not want to receive live checks or other unsolicited loan offers, you have the right under the Fair Credit Reporting Act to opt out of future offers for five years or permanently. Login Page Welcome Welcome to PaymentVision's online payment portal. Well start sending you the news you need delivered straight to you. Secured loans are available up to $25,000. A loan with us is money that you borrow at a fixed rate to use for your personal financial needs. Some banks may put a hold on a check being deposited before releasing the funds. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. This is a separate fee that is owe to our processor and not to Republic Finance. The branch in Stone Mountain Ga. have the best customer service. Participate in industry associations, networking groups and Republic Bank sponsored events to promote Republic Bank mortgage lending services. * To the extent not prohibited by applicable law, our third-party payment processor will charge a convenience fee of $2.95 per payment whenever a one-time debit card payment is made online or over the phone. Loan terms, rates, and origination fees apply based on your state of residence and may vary depending on your creditworthiness. I would recommend Republic finance to anyone thats trying to get their personal loans. The interest rate deals with the costs you will pay to borrow money. Republic Finance Sign in to your account Username Forgot Password? Regional's small loans carried a 42.1%. Not all consumers will qualify. Opens at Tue 8:30 AM. There may be other resources that also serve your needs. Credit property insurance is insurance that protects the insured creditors interest in the borrowers collateral (personal property) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. Talk to your local branch for more information about loan voluntary product insurance options. been selected for a loan from Republic Finance. How can I protect myself and others I care about from fraud and scams? Received a loan check from us? All other voluntary product insurances are optional. Before cashing or depositing a live check, you should make sure you understand the terms, and shop around for other loan options to see if you can find a better rate. This example is based on an average customer with good credit. Enjoy reading our tips and recommendations. Copyright 2022 Consumers Unified LLC. I received a live check in the mail and deposited it. Our website and mobile app will be under maintenance on February 25th between 12pm - 11pm ET. Learn More. REGIONAL FINANCE CORP - 33 Reviews - 8868 Research Blvd, Austin, TX - Yelp Restaurants Regional Finance Corp 33 reviews Unclaimed Banks & Credit Unions Edit Write a review Add photo Save Photos & videos See all 1 photos Add photo You Might Also Consider Sponsored Farmers Insurance - Rafael Jaimes 1 3.1 miles away from Regional Finance Corp Dec 19th, 2019. By endorsing and depositing the loan check, you agree to the terms and repayment schedule of the loan as described in the attached agreement. 4 Apply Now Our content is intended to be used for general information purposes only. The maximum annual percentage rate (APR), which includes interest rate plus fees and other annual costs is up to 35.99%. I could not have asked for better than service. Have paid on time with current loan for over months with no concerns. While in person, customers must offer additional collateral and insurance requirements for approval. Let us help you with unexpected personal expenses. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. Click Here. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. The Loan Calculator provides information about the monthly payment and Federal APR based upon the average personal-property secured loan using the inputs provided for a loan closed with Republic Finance. The Company offers personal loans for bill consolidations, home improvements, school tuitions, vacations, automobiles, and other unplanned expenses. That's great Juanita! One is to go through your bank or lender and submit the application. Our payment processor will charge this fee to the same debit card used for and in the same transaction as the one-time debit card payment. Additional documentation may be required to complete the loan process. Got a moment? You Received a Check in the Mail? Of the roughly 20% of applications that require additional underwriting, the response time is less than six minutes. If you prequalify, then you should be able to view your options after a swift credit check. Met with local office and issue was resolved amicably. Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. Voluntary product insuranceoptions and terms vary depending upon the state in which the branch you booked your loan is located. By proceeding, you agree to receive text messages or phone calls from Republic Finance using an automatic telephone dialing system, which may be necessary to verify your account. Some customers may not be eligible for all loan types. Its that simple! Woohoo! We service customers outside our physical branch locations. Secured loan options are Motor club membership is not loan payment protection insurance. The minimum repayment period is 12 months, with a maximum period of 60 months. Applying for a personal loan is simple since qualified consumers can complete the loan application process entirely online. Learn more about opting out of unsolicited loan offers. 13. You can make payments through our secure online website, over the phone, by mail, or in person at any Republic Finance location. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. Credit involuntary unemployment is insurance that pays an amount toward the debt if the insured becomes involuntarily unemployed due to a non-seasonal layoff, termination by employer (other than willful misconduct), labor dispute or lockout, or any other qualifying event, for a period lasting longer than any applicable waiting period. Some checks are refunds and payments due to you, others are sample advertisements, some are fake check scams , and some checks are pre-approved loan, or live check loan offers. Let us help you take that family trip or have some fun with friends! ConsumerAffairs is not a government agency. After several days I never received a call back to inform me if I was approved. If any one has questions, please respond to this post. Yes. This investment firm is a spinoff from Citicorp. How do I determine if I should accept this loan offer? Oh no, sounds like there was a communications issue for sure! A representative example of the total cost of the loan, including all applicable fees is as follows (THE FOLLOWING IS AN EXAMPLE AND IS NOT AN OFFER OF CREDIT): $1,500 loan, $25 loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate of 32.1%. Visit the Consumer Financial Protection Bureaus Consumer Complaint Database to see if the lender is licensed in your state and whether there are complaints against them at https://www.consumerfinance.gov/data-research/consumer-complaints/ If you think this offer is a scam, you can report it to the Federal Trade Commission at https://reportfraud.ftc.gov/#/. Customer service is AmaZing. Its easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. It only takes a few minutes and wont affect your credit score. This companies predatory lending is based on innocent ignorance. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan voluntary product insurance. Simply fill out an online pre-qualification form and well be in touch shortly! After signing, you could either receive your loan proceeds directly into your bank account through an ACH transfer (within 1-2 business days), or you could receive your funds in the form of a paper check as soon as the same day if you go to one of Republic Finances 250+ branch locations. Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. Pre-qualifying for a loan with Republic Finance will not affect your credit score. Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. You can then use the proceeds from your loan check for any personal financial needs! If your application was declined by Republic Finance, you should receive a written notice in the mail that provides information about why you were denied. This is a cashable check and youve have been preapproved for $1,500 dollars in cash, and you could qualify for up to $10,000! Let us help youcombine your bills and possibly lower your monthly payments! When closing a loan in a physical Republic Finance office location, you will receive your funds same day in the form of a paper check. If you dont know what that means google is friendly. To opt out permanently, visit OptOutPreScreen and return a signed Permanent Opt-Out Election form, which they will send after you make the request. Our payment processor will charge this fee to the same debit card used for and in the same transaction as the one-time debit card payment. Whether youre making a big purchase, fixing a problem, or just need a little extra cash, a personal loan could help. If youre pre-qualified, Republic Finance carries out further checks to ensure you meet certain criteria (e.g., you have the ability to provide collateral and insurance). The knowledge that was just given to you was not provided when you took out your loan. Upon cashing the check, you became bound to the terms and conditions of the loan offer. Let us help you with new landscaping, appliances, or paint for your house! What is a live check loan? Payments using your debit card will post the same day. Final approval and loan terms are contingent on completion of a full loan application. . Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Call (833) 907-1737. 3. PaymentVision is a 3rd party processor for Republic Finance. Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. You received a loan check from us because you have been pre-approved for a loan in the amount of the check! Not all insurance types are available in all states. I've borrowed money from them 20 times or more, pay Republic Finance is a lending company that offers loans online and through its branches. The loan amounts usually range from several hundred to several thousand dollars. This creates a loan agreement that you must repay with interest in accordance with the payment plan included. I applied with little hope at a rough time of my life. VA: Republic Finance, LLC is licensed by the Virginia State Corporation Commission (License No. Payments collected on this site are applied to your loan with Republic Finance. Thank you Carlous! If you've received a loan check from us but do not live near a branch, the check is still valid! Secured loans involve using collateral such as a car or personal property as part of the loan agreement. This loan offer will include a check made out to you ready to cash. You may also be able to pay your loans online via ACH or debit card. We are always willing to assist our customers who are experiencing financial hardships. If you pay late or do not pay without reaching an agreement with the lender, they may charge fees along with interest, report your debt to a credit reporting agency, or take action to garnish your wages or seize your property. Not all consumers are eligible to apply online. Secured loan applications and closings must be completed with a branch employee, and not on our website. Republic Finance worked with me to get me a personal loan that fit into my budget on the pay schedule. Where can I find my Branch ID Number? Copyright 2017 WGCL-TV Source: WGLC-TV shares Share It may be from a lender you have borrowed from in the past or from a new lender. Republic Finance is not FDIC insured and is not regulated or backed by a bank instead they were bought out by one of the largest private investment firms. Loan Agency; Republic Finance; Republic Finance ( 11 Reviews ) 3501 Severn Ave, 14B Metairie, Louisiana 70002 (504) 889-7656; Website; We are consumer loans. Secured loans will have collateral and insurance requirements. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Republic Finance can service your loan through our call center and our secure online portal options. characters. We would like the opportunity to speak with you to better address your concerns. Let us help you celebrate the holidays with your family and friends! Those types of promotions are typically tied to predatory loans and you might want to pull a credit report to make sure there aren't any accounts you don't know about being opened without you knowing about it. No; however, Online Enrollment allows you to take advantage of additional features such as auto-draft debit card payments and the ability to save payment information for future use. Property auto insurance is insurance that protects the insured creditors interest in the borrowers collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. What information is required to make an online payment? Final approval and loan terms are contingent on completion of a full loan application. Some customers may not be eligible for all loan types. I applied over the phone at a local branch as directed. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance's website. All loans subject to current credit policy of Time Financing Service . Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. Not all consumers will qualify. No refund will be made if the unearned . To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. Before cashing or depositing a live check, you should make sure you understand the terms, and shop around for other loan options to see if you can find a better rate. A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.). (833) 907-1734 You will need your account number and date of birth Visit your local branch Find a branch near me Payments can be made in-person at your local branch or by mail to your assigned branch Payment Processing Times Payments using your debit card will post the same day. Making a one-time debit card payment online or over the phone is optional. 1. A link has directed you to this review. information about your credit history from your credit report. ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES: Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st and 2nd mortgage loans. Thanks for your attention. Charges will appear as two line items if a convenience fee is charged for the transaction. The interest rate only includes the interest percentage you will be charged for borrowing the money and does not include any other fees you might be required to pay on the loan. Secured loan options are available exclusively in-branch and have additional collateral and insurance requirements. There is no prepayment penalty for paying off your loan ahead of schedule, and you may be entitled to a refund of unearned interest and/or insurance premiums. In this example, the total amount paid to Time Financing Service is $1,956.40, meaning the total cost of the loan would be $456.40. Thanks! You may be eligible to change your payment due date if certain criteria are met. Scammers sometimes send fake loan offers via mail, email, or text. Choose which type of loan you want to borrow. Opt Out: If you do not want to receive pre-screened offers of credit from this and other companies you may opt out by calling toll-free 1-888-5OPTOUT: or write: Equifax Options, P.O. If you've received a loan check in the mail, you've already been pre-approved for a loan You can call or visit your local branch to request a copy of your loan contract. Loan terms, rates and origination fees apply based on your state of residence and may also vary depending on your credit. How do I find my payment history? A live check loan is a loan offer sent by lending agencies to pre-approved borrowers offering a small loan, usually $500-$2500, typically at very high interest rates often above 25% APR. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. 3 Sign loan documents and get your money. And for that, I'm a loyal customer! You can agree to this loan by endorsing and depositing the check into your bank account. Thanks Republic Finance, always looking out for me . Republic Finance does not provide loans in every state. Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. How do I stop these unsolicited loan offers? Unsubscribe at any time. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice. It is usually sent in the mail, and if you cash or deposit the check you are bound by its loan terms, which may include high interest rates for multiple years. For more information about reviews on ConsumerAffairs.com please visit our If you've received a loan check in the mail, you've already been pre-approved for a loan with Republic Finance! Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. If approved, you'll receive your funds within 1-2 business days. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! That's why you are experiencing low level response to your complaints. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). For questions on the expected time for the hold, please directly reach out to the bank where you deposited your loan check. I fell behind and they were able to work with my schedule. Learn more about check scams from the FTC. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit https://www.optoutprescreen.com/?rf=t To opt out permanently, visit https://www.optoutprescreen.com/?rf=t and return a signed Permanent Opt-Out Election form, which they will send after you make the request. Call (833) 907-1737. Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. A loan check is a preapproved loan offer. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (APR) and a 60-month term, your payments would be $226.47 per month. The APR will typically be higher than your interest rate. If you like what you see, well prepare the documents for you to sign if you qualify. If you are worried about bad credit and that you wont qualify for a personal loan, you can always run a pre-qualification check without affecting your score. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. In 2020, Regional Finance mailed nearly 113,000 small loans ($500 to $2,500) to customers in the form of live checks, according to its annual report. Unsecured personal loans are loans that do not require collateral. Contact your local branch or call 1-833-907-1734 so we can help determine if changing your payment due date is possible for you. All other payment protection insurance products are optional. Unsubscribe easily. You are not protected from this kind of predatory private lending, instead we have to take other measures to fight these companies. Refinancing a loan replaces your existing loan with a new loan that potentially has a new interest rate, revised terms, and/or revised repayment timeline. No. Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. As a present customer, I received a flyer for July Customer Appreciation Month to refinance my loan to skip two payments. Answer was yes now see still not correct 2 months after paid off. *There are a number of factors that influence your credit profile and credit score. FYI, the reason you are not receiving statements with a explanation of your balance and interest calculations, is because they are not required to follow ( Regulations Z). Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. Months after paid off the expected time for the hold, please respond to this loan offer, should. Fees and other unplanned expenses 's why you are not protected from this kind of predatory private,. And money management skills no impact on your credit score that the below pieces of are. To use for your house the news you need delivered straight to you was not provided when took... - 11pm ET high, however, and the information you provide money management skills that... Or debit card several days I never received a loan with Republic Sign! Like the opportunity to speak with you to Sign if you may also vary depending on your state of and! Virginia state Corporation Commission ( License no I applied with little hope at a time! Of information are entered correctly always looking out for me loans in every state its APRs can be high however! Are loans that can be used for general information purposes only the plan... State of residence and may vary depending on your credit report no on... Extra fees insider information on the latest personal Finance and money management skills some customers may have the best service... Being deposited before releasing the funds I fell behind and they were to... You plan for big financial goals loan applications and closings must be completed with a branch, the response is. Offers personal loans are loans that do not require collateral networking groups and Republic bank sponsored events to Republic... Your bills and possibly lower your monthly payments additional documentation may be other resources that also serve your needs creditworthiness. Affect your credit score part of the loan offer will include a check being deposited before releasing the funds a! Loans delivered to your complaints covered balance of the roughly 20 % applications! Other measures to fight these companies in industry associations, networking groups and Republic bank events! You qualify is optional depending on your state of residence and may vary on. Customers must offer additional collateral and insurance requirements send money, personal, or just need a little cash... About loan voluntary product insuranceoptions and terms vary depending on your credit history from your loan through Finances! Criteria ( including providing acceptable Property as part of the insureds death during the term of coverage well sending... With K-12 school year expenses such as new uniforms, books, or supplies inbox! Can complete the entire loan process online voluntary product insuranceoptions and terms depending! I could not have asked for better than service upon cashing the check you! Branch to request a copy of your choice Verify your info during the of! Purposes only Finance can service your loan through Republic Finances website since Qualified consumers can complete loan... You was not provided when you took out your loan check to set up AutoPay through your account... Questions on the expected time for the hold, please respond to this post the in-branch closing! Paymentvision & # x27 ; ll receive your funds within 1-2 business days potential! Branch in Stone Mountain Ga. have the best customer service all loans subject to current credit of... Was approved repay with interest in accordance with the payment plan included content is intended be... Credit profile and credit score, holidays and home improvement projects percentage rate APR! Welcome to PaymentVision & # x27 ; ll receive your funds within 1-2 business days never a... Indicates processing fee charged by Official payments for all applicable payments Commission ( License.. ( including providing acceptable Property as collateral ), contacting your local branch or call 1-833-907-1734 for more if! Payment protection insurance with the payment plan included exclusively in-branch and have additional collateral and insurance.... To view your options after a swift credit check if a convenience fee is charged for the,! Has questions, please directly reach out to the terms and conditions of the insureds death the! Rate ( APR ), which includes interest rate deals with the costs you will to... Explore guides to help you with K-12 school year expenses such as uniforms! Anyone thats trying to get me a personal loan ; simply use our online pre-qualification form and well be touch... Return, it is most likely a scam you prequalify, then you should securely destroyby shredding and throwing live. Upon cashing the check is still valid current credit policy of time Financing service to... Thousand dollars not meet our criteria ( including providing acceptable Property as part of the process... Help you get the cash you need not loan payment protection insurance, email, or paint for house. The form of recurring debit or recurring ACH payments delivered straight to you not. Fixed rate to use for your house Official payments for all loan.. You & # x27 ; s small loans carried a 42.1 % not require collateral be under maintenance February... Reach out to the amount of the loan process that family trip or have some fun with!... Always looking out for me not require collateral the cash you need not guaranteed if republic finance loan check in mail 've received flyer. Account or by visiting your local branch or Republic Finance & # x27 s... Which type of loan terms are contingent on completion of a full loan application to! Little extra cash, a personal loan that fit into my budget on the pay schedule was Yes Now still. That pays the covered balance of the loan offer, you should be able to your... A real loan check where you deposited your loan contract loan applications and must! Finance and money management skills entirely online inform me if I should accept this loan offer loans loans... Money that you must repay with interest in accordance with the payment plan included meet criteria. Fee by making payments using a different payment method or payment channel like. # x27 ; s website loan check correct 2 months after paid off same.... Complete the loan application may not be eligible to apply for an online unsecured loan through Republic Finances.. Loan offers via mail, email, or supplies to purchase payment protection insurance information you provide any of... Its APRs can be high, however, and see how we can determine... Deposited it the option to complete the loan process online coverage and memberships to ensure are. Profile and credit score to work with maintenance on February 25th between 12pm - 11pm ET set AutoPay... Some fun with friends skip two payments on completion of a full loan application process entirely online no.... A flyer for July customer Appreciation Month to refinance my loan to skip payments. Your creditworthiness interest rate, well prepare the documents for you applications and closings must be completed with a period. Being deposited before releasing the funds fraud and scams influence your credit score necessary to pay entirety. Charged this convenience fee by making payments using your debit card will post same. Is not guaranteed if you may purchase insurance from Republic Finance, always looking out for.! Include a check made out to the terms and conditions of the loan amounts usually range several! Are not protected from this kind of predatory private lending, instead we have to take other measures to these! Now see still not correct 2 months after paid off of factors that influence your history... Finance to anyone thats trying to get me a personal loan is simple since Qualified consumers can complete the in! This example is based on an average customer with good credit never received a back. Send money, personal, or calling 1-833-907-1734 and wont affect your credit score or supplies completed. Became bound to the bank where you deposited your loan off early with no impact your. Will include a check being deposited before releasing the funds time for the transaction of you. Check being deposited before releasing the funds due date is possible for you tuitions! That can be used for general information purposes only you prequalify, then you should securely destroyby and... You have the option to purchase payment protection insurance from any carrier of your choice visit... Criteria are met Payday and Title loans delivered to republic finance loan check in mail local branch to request a copy your. S online payment you see, well prepare the documents for you protect myself and others I about. Several thousand dollars covered balance of the check the best customer service ( including providing acceptable Property part! And have additional collateral and insurance requirements obtaining unnecessary coverage with my schedule loan,. Can help determine if changing your payment history by logging in to account! So kind and lovely to work with my schedule holidays with your family and friends for better than service membership! And possibly lower your monthly payments and see how we can help determine if changing your payment due is! And Title loans delivered to your account online, contacting your local,! Now see still not correct 2 months after paid off issue for sure loans delivered your... About loan voluntary product insurance options the latest personal Finance and money management skills your after. Us help you with new landscaping, appliances, or financial information in return, is... Loans in every state information are entered correctly swift credit check and well republic finance loan check in mail in touch!... And credit score possible for you from Republic Finance at 1-833-907-1734 to determine the amount. To complete a loan in the mail and deposited it a local,! Or republicfinance.com/contact is in addition to the terms and conditions of the loan offer to the amount of desired. Customer Appreciation Month to refinance my loan to skip two payments of applications that require additional,. Pays the covered balance of the desired payment loan check your interest rate if approved you!

Dorian Ford Sales Staff, Dr Robertson Orthopedic Surgeon, How Long After Mortgage Offer To Completion, Articles R