Legal

Lender4me.com Disclosures

Please do not visit or use any of the Lender4me.com web sites or any page that is part of the Lender4me.com web site if you to not wish to be bound by these terms of use.

General.. Any reference in this Licenses and Disclosures to "we" or "us" or similar words shall refer to Lender4me.com. Any reference in Licenses and Disclosures to "you" or "your" means the person(s) using the Lender4me.com website Lender4me.com does not take applications, make loans or credit decisions in connection with loans, nor does Lender4me.com issue commitments or lock-in agreements. E Lender4me.com is not an agent of you, any participating bank, lender, mortgage broker or loan broker (we refer to all of these as "Lenders" or "Lender") or any third-party provider ("Provider"). Lender4me.com services are only administrative. You should rely on your own judgment in deciding which available product and Lender or Provider best suits your needs and financial means. You are under no obligation to use Lender4me.com to commence the matching and request process and Lender4me.com does not guarantee that completing a request will result in you being matched with a Lender or Provider, receiving an offer from a Lender or Provider, or receiving a loan or service from a Lender or Provider.

Fees Lender4me.com does not charge you any fee for its services Lender4me.com receives its compensation from the Lenders or Providers for the goods, facilities and services provided by Lender4me.com. Lender4me.com compensation varies by product and service. Computerized loan origination fees paid by the Lender may be included in your rate, points or term and will be shown on your settlement statement. Although some state licensing laws treat fees paid in exchange for computerized loan origination services as mortgage broker fees or origination fees, this is not the case under federal law.

Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee.

Federal Disclosures. Any loan request will be forwarded to Lenders and these Lenders may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs; HUD mandated booklets "Guide to Settlement Costs" and/or "When your Home is on the Line"; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law varies by Lender depending on its lending authority, may include the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Lender4me.com has taken reasonable and appropriate measures to deliver and disclose your personal information only in accordance with your instructions, but cannot and does not guarantee that others will not intercept your personal information you provide. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Lender4me.com web site.

You agree to provide true, complete and accurate information on your request form that mortgage professionals may keep, whether or not you qualified for their loan. You also agree to refrain from impersonating or falsely representing your affiliation with any person or entity.

-Lender4me.com is not a lender or mortgage professional.

-Lender4me.com does not make loans or related credit decisions.

-Lender4me.com does not endorse or recommend products of any particular Lender or mortgage professional.

-Lender4me.com is not an agent of you, the User, or any participating Lender or mortgage professional.

Lender4me.com services are administrative only. You should decide for yourself which loan product is best for you financially and personally. You agree that the mortgage professional is solely responsible for its services to you. You also agree that Lender4me.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services.

Lenders and mortgage professionals can offer their products as per licensing requirements by state. Lender4me.com does not guarantee acceptance of the User into any loan program. Lender4me.com does not guarantee specific loan terms and does not guarantee conditions with any participating Lender or mortgage professional. The User understands that an individual Lender establishes and maintains loan approval standards. Lender4me.com does not guarantee that any of the participating lenders mortgage professionals participating on this web site offer the best terms or lowest rates available in the market.

The User understands that Lender4me.com or any related material contained herein shall not constitute an offer or promise for a loan commitment or interest rate. Lender4me.com does not charge you, the User, a fee to use our service. Mortgage professionals and lenders pay Lender4me.com for the goods, facilities and services provided. Your use of Lender4me.com services constitutes your agreement with this compensation arrangement.

Disclaimers and limitations

Lender4me.com intends to have accurate and reliable information contained in its web site; however, errors may occur. In addition, Lender4me.com may change and improve the information provided herein at any time. The web site and the information, products and services are “As Is.” Lender4me.com disclaims any warranty of any kind, whether expressed or implied, as to any matter whatsoever relating to the web site and any information, products, and services provided herein, including without limitation the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement use of Lender4me.com’s services at your own risk. Use of Lender4me.com’s services is at your own risk. Lender4me.com is not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with the use of Lender4me.com’s services or with the delay or inability to use the web site or for any information products or services obtained from the use of the web site, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Lender4me.com and/or its suppliers had been advised of the possibility of damages. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Indemnity

As a condition of use of this web site, you agree to indemnify Lender4me.com and its suppliers, affiliates, executives, employees, participating Lenders, or other related marketing and mortgage professionals from any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of Lender4me.com’s services, including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement.

Errors and delays

Lender4me.com is not responsible for any errors or delays in responding to a qualification form or referral form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

Dispute resolution

Any claim or controversy arising out of or relating to the use of Lender4me.com’s services, to the goods or services provided by Lender4me.com, or to any acts or omissions for which you may contend Lender4me.com is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by an arbitration venue in Miami Dade County, Florida. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to Lender4me.com. In any arbitration, Lender4me.com will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration paid by the non-prevailing party. To begin the arbitration process, a party must make a written demand therefore. Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction in Miami Dade County, Florida. The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND Lender4me.com WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.

You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Lender4me.com’s goods and services you consent to these restrictions. Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Lender4me.com, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Miami Dade County, Florida. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

Other terms

This Agreement constitutes the entire agreement between you and Lender4me.com and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Lender4me.com with respect to the web site and information, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of Florida, excluding its conflict of laws principles. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the agreement shall continue in effect. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

We believe your privacy is important. At Lender4me.com, we understand that you provide us with information and we collect and retain information for the following reasons:

-to help you find a mortgage professional who can meet your needs

-to communicate with you

-to process your requests for products and services

-to inform you about other products and services

Lender4me.com will not sell or share any personal information about you except as explained in our Privacy Policy. By submitting your form you have authorized us to provide your information to:

-participating mortgage professionals

-other marketing companies whose clients include mortgage professionals

-other parties that could potentially help in your transaction

-affiliated companies owned in whole or in part by our parent holding company that may be involved with financial service providers, mortgage and life insurance agencies, title service companies, auto finance companies and other industries

-financial institutions who we have joint marketing arrangements

-person as required by law or court order

-other corporate or related purposes

The description below is to help you understand our Privacy Policy, is illustrative only, and is not intended to be exclusive.

Lender4me.com is an online marketplace to help consumers pick a mortgage professional they believe is best suited for them. There are thousands of mortgage professionals who participate through Lender4me.com either independently, through their organization or through a client of ours.

You may be entering information on the Lender4me.com site that you consider personal and non-personal. You choose whether to participate in this service and disclose information that you may consider to be personal and non-personal. This service is completely voluntary. Information that you may provide on your form may include your contact information, mortgage information, employment information and other information. Lender4me.com may supplement the information you provide with information from third party sources. Lender4me.com may collect and track certain user information, including technical information, to help us evaluate ways to provide the best consumer experience. You may also choose whether to participate in Lender4me.com surveys or to contact Lender4me.com through the “Contact Us” feature.

Lender4me.com provides the information you complete on the form to up to four mortgage professionals or other third parties relevant to your transaction or to finding a mortgage professional. Lender4me.com may also share certain aggregated data with our mortgage professionals and other third parties for general marketing and demographic purposes; however, this data does not include any personal identifying information. You have directed us to provide your information to up to four mortgage professionals or other third parties when you click on the "Submit" button. We recommend that you contact directly mortgage professionals in order to learn more about their specific privacy policies. Lender4me.com may notify you about a special offer, but does not reveal your identifying information to any outside promotional user unless you request us to do so. Lender4me.com may email you information, but you will have the ability to opt-out of receiving email if you wish to do so. Lender4me.com will do its best to protect the loss, misuse and alteration of information under our control.

We believe safeguarding your information is important. Your information is stored in a secure location with restricted access. We have and monitor physical and electronic security measure as well as related procedures.

Contact customerservice@Lender4me.com with any questions, comments or updates to your form.

Feel free to print a copy of this policy for your records.

The Housing Financial Discrimination Act of 1977 Fair Lending Notice It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or

Race, color religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and condition, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence.

Home | Refinance | Mortgage | Advice & Calculators