AFFILIATED BUSINESS ARRANGEMENT

DISCLOSURE STATEMENT

To: Prospective Clients of Blue Pebble Group, LLC including its affiliates and subsidiaries

From: Blue Pebble Homes, LLC

Property: To Be Determined

Date: (Updated June 9, 2025)

This is to give you notice that Blue Pebble Homes, LLC (“Blue Pebble Homes”) has a business relationship with Vanna Lending, LLC dba Blue Pebble Loans & Vanna Lending (“Vanna Lending”) and Zeropoint Lending, LLC dba Zeropoint Lending (“Zeropoint Lending”).  Blue Pebble Homes, Vanna Lending, and Zeropoint Lending (collectively, the “Subsidiaries”) have the same parent company, Blue Pebble Group, LLC dba Blue Pebble Group (“Blue Pebble Group”).  Blue Pebble Group owns 100% of Blue Pebble Homes, 100% of Vanna Lending, and 100% of Zeropoint Lending.  Because of this relationship, this referral may provide Blue Pebble Homes a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed.  You are NOT required to use the listed provider(s) as a condition for settlement of your loan on or for the purchase, sale, or refinance of the subject property.  THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES.  YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Vanna Lending is a mortgage broker.  Vanna Lending charges include an origination fee (listed as a percentage of the loan amount), discount points (tradeoffs in how you pay for your mortgage, reflected as a percentage of the loan amount), underwriting and processing charges, and other fees.  Estimated fee ranges are provided below.  Please note that these fee ranges may vary depending on the loan product that you select.

Zeropoint Lending is a mortgage lender.  Zeropoint Lending charges include an origination fee (listed as a percentage of the loan amount), discount points (tradeoffs in how you pay for your mortgage, reflected as a percentage of the loan amount), underwriting and processing charges, and other fees.  Estimated fee ranges are provided below.  Please note that these fee ranges may vary depending on the loan product that you select.

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I/we have read this disclosure form, and understand that Blue Pebble Homes is referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.