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Privacy Policy Effective Date: 06/23/2025 Last Updated: 06/23/2025 Welcome to Lower My Payment Specialists Inc. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website thelmps.com and interact with our mortgage-related services. By accessing or using our services, you consent to the collection and use of your information in accordance with this Privacy Policy. Privacy Policy A legal disclaimer Privacy Policy Effective Date: 06/23/2025 Last Updated: 07/13/2025 Welcome to Lower My Payment Specialists Inc. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website thelmps.com and interact with our mortgage-related services. By accessing or using our services, you consent to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with the terms, please do not use our services. 1. Information We Collect We may collect the following types of information: a. Personal Information When you fill out forms, request a mortgage quote, sign up for a newsletter, or contact us, we may collect: • Name • Email address • Phone number • Property address b. Non-Personal Information This includes: • Browser type and version • IP address • Device type and operating system • Pages visited and time spent • Referring website c. Cookies and Tracking Technologies We use cookies and similar technologies to track activity on our site and hold certain information. You can manage your cookie preferences through your browser settings. 2. How We Use Your Information We use the information we collect to: • Provide and manage mortgage-related services • Respond to inquiries and requests • Improve user experience and website functionality • Send marketing communications (with opt-out options) • Comply with legal obligations 3. Sharing Your Information We may share your information with: • Mortgage Lenders and Brokers: To help provide relevant offers or services • Service Providers: Who help operate our business (e.g., hosting, analytics) • Legal Authorities: When required by law, subpoena, or legal process • Business Transfers: If our business is merged, sold, or transferred We do not sell your personal information to third parties. 4. Your Choices and Rights Depending on your jurisdiction, you may have rights such as: • Accessing the data we hold about you • Requesting corrections or deletions • Withdrawing consent or opting out of marketing • Requesting that we not share your information To exercise your rights, contact us at: Walt@thelmps.com 5. Data Retention We retain your data only for as long as necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by law. 6. Data Security We implement appropriate administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. 9. International Data Transfers If you are visiting from outside the United States, please be aware that your information may be transferred to, stored, and processed in the U.S. where our servers are located. 10. Changes to This Privacy Policy We may update this policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review it regularly. 11. Contact Us If you have any questions about this Privacy Policy, please contact us at: Lower My Payment Specialist Inc. Email: support@thelmps.com Address: 5023 W 120th Ave. #412 Broomfield CO 80020 Phone: 720-248-8493

We don't want to waste your time (or money). Answer some quick qualifying questions. If you appear to qualify for our assistance, you will be asked for a payment of $150.00 following this qualification questionnaire. This will then begin the process of potentially lowering your monthly mortgage payment without refinancing. After payment is received, you will receive the document that you will need to fill out and return to your lender. Do You Qualify? 100% FREE We don't want to waste your time (or money). It is 100% FREE to take our qualifying quiz to see if you qualify Qualifying Questionaire Let's Get Started! What's Your Email?*

Terms and Conditions of Use Effective Date: 06/23/2025 Last Updated: 06/23/2025 Welcome to Lower My Payment Specialists Inc. ("Website", "we", "us", or "our"). These Terms and Conditions of Use ("Terms") govern your access to and use of our website located at thelmps.com, including any content, features, functionality, and services offered through the site. By accessing or using our website, you accept and agree to be bound by these Terms. Terms & Conditions A legal disclaimer Terms and Conditions of Use Effective Date: 06/23/2025 Last Updated: 07/13/2025 Welcome to Lower My Payment Specialists Inc. ("Website", "we", "us", or "our"). These Terms and Conditions of Use ("Terms") govern your access to and use of our website located at thelmps.com, including any content, features, functionality, and services offered through the site. By accessing or using our website, you accept and agree to be bound by these Terms. If you do not agree with these Terms, please do not use the website. 1. Use of the Website You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes, but is not limited to: • Using the website for any unlawful purpose • Transmitting harmful or malicious code (e.g., viruses, spyware) • Attempting to gain unauthorized access to our servers or systems • Interfering with the normal operation of the website 2. Intellectual Property All content on the website, including text, graphics, logos, icons, images, audio clips, video, and software, is the property of Lower My Payment Specialist Inc. or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or use any content without prior written permission, except for personal, non-commercial use. 3. User Submissions If you submit or post content (e.g., comments, feedback, or data) on or through the website, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, and distribute your content for any lawful purpose. You represent that your submissions do not violate any third-party rights or laws. 4. Third-Party Links Our website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy practices, or accuracy of third-party websites. 5. Disclaimer of Warranties This website and all its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted or error-free, or that any defects will be corrected. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. 6. Limitation of Liability To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of the website, even if we have been advised of the possibility of such damages. 7. Indemnification You agree to indemnify and hold harmless Lower My Payment Specialists Inc., its affiliates, employees, and agents from any claims, liabilities, damages, and expenses (including attorneys' fees) arising out of your use of the website or your violation of these Terms. 8. Termination We may suspend or terminate your access to the website at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or us. 9. Governing Law These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in City and County of Broomfield. 10. Changes to Terms We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the revised Terms. 11. Contact Us If you have any questions about these Terms, please contact us at: Lower My Payment Specialists Inc. Email: support@thelmps.com Phone: 720-248-8493 Address: 5023 W 120th Ave. #412 Broomfield, CO 80020

Get in touch with Lower My Payment Specialist today to help you remove your Private Mortgage Insurance and get one step closer to saving money on your mortgage! Contact 5023 W 120th Ave. #412 Broomfield CO 80020 ‪(720) 248-8493‬ support@thelmps.com First Name Last Name Email Message Send Thanks for submitting!

Our team has over 70 years of combined real estate experience. We have helped thousands of homeowners save millions of dollars on their mortgages without refinancing their current home loans. With our extensive knowledge and expertise, we are committed to helping homeowners save money every month without refinancing their current mortgage. We come from various backgrounds and bring a wealth of experience and expertise to the table. About Welcome to Lower My Payment Specialists At LMPS, we are driven by our passion for innovation and our commitment to excellence. Our Founders have a combined experience of over 70 years and we have grown from a small startup into a trusted industry leader. Our journey has been fueled by our dedication to saving people money and top notch customer service. Mission Our mission is simple: to create a streamline process with a simple solution to save people money. We believe in creating a solution that not only meets but exceed our customers' expectations. We are dedicated to continuous improvement and strive to innovate in every aspect of our business. We believe in the KISS theory- keep it simple stupid! Our Team Our team has over 70 years of combined real estate experience. We have helped thousands of homeowners save millions of dollars on their mortgages without refinancing their current home loans. With our extensive knowledge and expertise, we are committed to helping homeowners save money every month without refinancing their current mortgage. We come from various backgrounds and bring a wealth of experience and expertise to the table. Together, we are committed to fostering a culture of inclusivity, collaboration, and innovation. Our Values 1. Integrity: We believe in doing the right thing, always. 2. Innovation: We are constantly exploring new ideas to stay ahead of the curve. 3. Customer-Centricity: Our customers are at the heart of everything we do. 4. Quality: We never compromise on the quality of our products and services. 5. Collaboration: We work together to achieve common goals and drive success.

Have any questions? Find out how Lower My Payment Specialists helps remove your Private Mortgage Insurance today! Frequently asked questions General What is Private Mortgage Insurance (PMI)? Private Mortgage Insurance (PMI) is a type of insurance that protects the lender in case you default on your mortgage. Typically, lenders require PMI when your down payment on a home is less than 20% of the home's value. Although PMI can be beneficial for securing a loan with a lower down payment, it adds to your monthly mortgage expenses and does not provide any direct benefit to you as the borrower. It protects the lender—not you—in case of loan default. Why is removing PMI a smart move for your mortgage? Removing Private Mortgage Insurance (PMI) with us is a game-changer! It slashes your monthly mortgage payments, freeing up your income for other goals! Plus, it saves you thousands over the life of your loan! And guess what? You'll build your home’s equity faster, boosting your wealth! Partner with us to unlock these amazing benefits and enjoy a smoother, more cost-effective mortgage experience! How can Lower My Payment Specialists help me remove PMI? We specialize in guiding homeowners through the process of: • Verifying eligibility for PMI cancellation • Understanding lender requirements • Providing tools and templates to request removal • Offering equity assessments and property value estimates At Lower My Payment Specialists, we help you achieve financial freedom by helping to potentially eliminate unnecessary costs like PMI. Our Customer Success Consultants will work with you to assess your current mortgage situation and explore your personal options such as refinancing your mortgage or reaching an 80% loan-to-value ratio, which can allow you to remove PMI entirely. By guiding you through this process, we aim to reduce your monthly payments and save you money over the life of your loan. Contact us today to learn more about how we can help you lower your mortgage payments and improve your financial health. Are you eligible to remove PMI? Wondering if you’re eligible to remove PMI? We’ve got you covered! Our quick questionnaire assesses your mortgage status, income, and goals. It only takes a few minutes! Once you submit it, you’ll know if you qualify! Our team will review your responses and contact you with personalized options to lower your payments. Take the first step today and see if you qualify for financial peace of mind! Do I need a new appraisal? Lower My Payment Specialists understands that property valuations can be a significant expense when refinancing a mortgage. Lenders often require a valuation of the property, with some necessitating a full appraisal, which can be costly and time-consuming. To help our clients save money, we assist in requesting that the lender utilize a less expensive and faster valuation method whenever possible. This strategic approach often saves our clients hundreds of dollars, further contributing to the goal of unlocking financial freedom through lower mortgage payments. By leveraging our expertise and industry relationships, we ensure the refinancing process is both cost-effective and efficient. Is removing PMI complicated? Is removing PMI complicated? Not with us! We simplify the process into manageable steps, keeping you informed and empowered! Our expert consultants guide you from evaluating your mortgage terms to finding the best options for your goals. We aim to unlock financial freedom for you with lower payments, giving you the knowledge and support to make empowered decisions! What does your service cost? Lower My Payment Specialists charges a one-time fee of $75.00 for our services. This fee is often less than what you would pay per month in Private Mortgage Insurance (PMI). By helping you lower your mortgage payments, our goal is to unlock financial freedom for you, making our service not only cost-effective but also beneficial in the long term. This one-time fee ensures you receive personalized assistance without ongoing costs, providing a valuable and economically sensible way to manage and reduce your mortgage expenses. How quickly can you remove PMI and start saving? The timeline for removing PMI varies by lender, but it can take a few weeks to a few months. We know time is precious, so we streamline every step! Our dedicated team works hard to get you financial freedom fast! With our expertise and strong lender relationships, we minimize delays and keep you in the loop! Will removing PMI affect my mortgage terms? Removing PMI simply eliminates the extra insurance fee from your monthly mortgage payment, resulting in a lower overall payment. However, it's important to understand that this change does not alter your loan amount, interest rate, or the duration of your mortgage. By removing PMI, you're taking advantage of one of the ways Lower My Payment Specialists can help you unlock financial freedom and make your monthly mortgage more affordable. Does removing PMI impact your credit score? Nope, removing PMI doesn’t impact your credit score! PMI isn’t reported to credit bureaus, so its removal doesn’t show up on your credit file. Your mortgage terms stay the same—you’re just eliminating an extra fee. No new credit inquiries or accounts involved! We help you unlock financial freedom with lower payments, enhancing your financial health!

Return Policy Effective Date: 06/23/2025 Last Updated: 06/23/2025 Thank you for choosing Lower My Payment Specialists Inc. We are committed to providing high-quality customer mortgage success specialists, and your satisfaction is important to us. Please read our Return Policy carefully: No Returns or Refunds Due to the nature of our services, all sales are final. We do not offer returns, refunds, or exchanges for any services purchased. Refund Policy A legal disclaimer Return Policy Effective Date: 06/23/2025 Last Updated: 07/13/2025 Thank you for choosing Lower My Payment Specialists Inc. We are committed to providing high-quality customer mortgage success specialists, and your satisfaction is important to us. Please read our Return Policy carefully: Money-Back Guarantee – PMI Removal Eligibility We stand behind the accuracy and quality of our PMI removal evaluation services. If you are not approved by your lender for Private Mortgage Insurance (PMI) removal, you may be eligible for a refund under the terms outlined below. Eligibility for Refund To qualify for a refund under this Money-Back Guarantee, all of the following conditions must be met: You applied for PMI removal through your mortgage lender using the information, reports, or documentation provided by us. Your lender formally denies your request for PMI removal. You provide us with an official disapproval or denial letter issued by your lender, clearly stating that your PMI removal request was not approved. Your refund request is submitted within 60 days from the date of your lender’s disapproval letter Refunds will not be issued for any other reason, including but not limited to changes in lender policies, appraisal outcomes not related to our services, or borrower-related factors outside our scope of work. How to Request a Refund To request a refund, you must email support@thelmps.com with: Your full name Order number or proof of purchase A copy of the official lender disapproval letter Any additional information we may reasonably need to verify eligibility Refund Processing If your refund request is approved, we will process the refund within 30 business days. Refunds will be issued to the original method of payment unless otherwise agreed. Limitations This Money-Back Guarantee does not apply if: You have not submitted a PMI removal request to your lender; You fail to provide the lender’s official disapproval letter; You withdraw your request with the lender before a decision is made; You are denied PMI removal due to incomplete, inaccurate, or missing information required by the lender; You do not meet the submission timeline for refund eligibility. No Waiver of Statutory Rights This Money-Back Guarantee is provided in addition to, and does not limit, any rights you may have under applicable consumer protection laws. Questions If you have any questions about this policy or need further clarification, please contact us: Lower My Payment Specialists Inc. Email: support@thelmps.com Phone: 720-248-8493 Address: 5023 W 120th Ave. #412, Broomfield, CO 80020

Learn how to refinance to eliminate pmi and lower your monthly mortgage payment today. What To Expect Answer some quick qualifying questions. If you appear to qualify for our assistance after taking our completely FREE questionnaire, you will be asked for a payment following this qualification questionnaire with a money back guarantee. This will then begin the process of potentially lowering your monthly mortgage payment without refinancing and removing your Private Mortgage Insurance. After payment is received, you will receive the document that you will need to fill out and return to your lender. We will help walk you through the final step of the process to success! This will then begin the process of potentially lowering your monthly mortgage payment without refinancing!

Lower My Payment Specialists helps you cancel private mortgage insurance online so you can lower your monthly payment—see if you qualify today. We are the ONLY Private Mortgage Insurance Removal (PMI) Consultants in the Country! If you've built 20% equity in your home, you may qualify to remove your PMI- and we give you the exact form lenders require to make it happen. Enjoy lower monthly mortgage payments without affecting your credit score or interest rates. Start remarkable savings throughout the life of your loan today! Take Our FREE Qualifying Quiz What is Private Mortgage Insurance? Learn More The Process Unlock effortless savings with our expert guidance! We streamline the process for homeowners, ensuring everything goes smoothly and easily. Start saving money ASAP with our simple, effective solution. On average people are able to save $1,800 a year and we've already saved our customers millions of dollars! Our team will guide you through the process making homeownership more affordable without refinancing! Start by seeing if you qualify! Discover how we can make your financial journey a breeze—no stress, just savings! "Just got a letter from our lender that our PMI was cancelled. Thanks for your help!" Gabriel, Client

Frequently asked questions Why You Don't Qualify What type of loan do you currently have on your home? We are sorry but Lower My Payment Specialists can only assist with Conventional Loans. Our specialized program is designed to optimize and reduce payments specifically for Conventional Loan borrowers. If you have an FHA or VA loan, we recommend consulting with a mortgage advisor who specializes in those loan types to explore your options for lowering your payments. Feel free to contact us if you have any questions about Conventional Loans or need guidance on transitioning to one. Our goal is to help you unlock financial freedom with lower mortgage payments. Have you been delinquent on any of your payments in the past 24 months? We are sorry, but we are not able to help you at this time because one of our lender's requirements is that you have been current with your payments for the past 24 months. Once you have made your payments on time for 24 months, we may be able to assist you in lowering your mortgage payment through our program. In the meantime, we recommend focusing on maintaining consistent on-time payments to meet this eligibility criterion. If you need additional financial advice or support, feel free to reach out to our customer success consultants, who can provide guidance tailored to your current situation. Keep this requirement in mind, and we're here to help you achieve financial freedom with lower mortgage payments as soon as you're eligible. Do you have any other loans on your home, such as a second mortgage? If you have existing liens on your property, we regret to inform you that we may not be able to assist you with our program at this time. The lenders we work with require that there be no other liens on the property for the program to be effective. This is a stringent requirement to ensure the success of refinancing options and achieving lower mortgage payments. We recommend resolving any lien issues first and then reaching out to us for further assistance in unlocking your financial freedom with lower mortgage payments. If you have any questions or need guidance on how to clear existing liens, please contact us, and we'll be happy to help. Do you believe that you now have more than 20% equity in your home? At Lower My Payment Specialists, we assist homeowners in reducing their mortgage payments, including the removal of Private Mortgage Insurance (PMI). To qualify for PMI removal through our program, lenders require that you have at least 20% equity in your home. If you meet this criterion, we can help guide you through the process of removing PMI and potentially lowering your monthly payments. However, if you do not yet have 20% equity in your home but wish to attempt PMI removal, it's important to understand that you are taking the risk of being denied. You might still choose to proceed by indicating "YES" or "I'm unsure" on the relevant sections of our qualifying questionnaire, but please be aware of the potential for denial based on your equity status. Our goal is to help you achieve financial freedom with lower mortgage payments, and we’re here to support you every step of the way. On your monthly mortgage statement from your lender is there a line item for "Private Mortgage Insurance (PMI)? Lower My Payment Specialists specializes in reducing mortgage payments by eliminating Private Mortgage Insurance (PMI) from your monthly payment. PMI is a type of insurance that borrowers typically pay when their down payment is less than 20% of the home’s value. Our program leverages the removal of PMI to help you save on your mortgage costs. If you do not currently pay PMI to your lender, we regret to inform you that you do not qualify for our mortgage payment lowering services. This is because our primary method to achieve the savings for homeowners like you hinges on removing PMI from your payments. If you have any other questions or need assistance in exploring other financial solutions, please feel free to contact us.

Find out when can i stop paying pmi on my mortgage, see if you qualify to remove PMI, and start lowering your monthly payment today. Congratulations On Qualifying! You May Qualify for our Private Mortgage Insurance Removal Process and are one step closer to lowering your monthly mortgage payments! Click the button below to make your one time payment with 100% money back guarantee if you don't qualify. (processing fees apply and lender rejection letter required) You will then receive the form needed to remove your PMI, and further instruction via email! We look forward to helping you achieve some financial freedom and feel free to reach out with any questions you may have! Pay Now