Conditions apply, for example, you may have to live in the home for a number of years in order for the loan to be forgiven n(1-10 years, many times depending on the size of the loan)? Notice, We cannot charge a percentage on a loan made to “consumers”, but we do have a tiered separate flat fee billing for the “loan forgiveness” aspect of the agreement and is due after approval and varies between 10%-15% of the proposed forgiven amount. If you violate the conditions, that does not affect our fee.