TERMS and CONDITIONS
YOU MUST CAREFULLY READ ALL OF THESE TERMS AND CONDITIONS BEFORE USING THIS WEBSITE. USE OF THIS WEBSITE MEANS THAT YOU ACCEPT ALL OF THESE TERMS AND CONDITIONS. Lend USA maintains this site for your personal information, education, and communication. Any access and use of this website is subject to the following terms and conditions, which are deemed accepted without limitation or qualification by your access and use of the site. If you do not accept these terms and conditions please exit this site now. BY ACCESSING AND USING THIS WEBSITE YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.
Your use of and browsing in the website are at your own risk. Neither Lend USA nor any other party involved in any loan application originated or generated through this website assume any responsibility for, and shall not be liable for, any damages to you, your computer equipment, or any other person or property on account of your access to, use of, browsing in, or downloading from this site.
All information transmitted or posted to this site, becomes the sole property of Lend USA and may be used for enhancement to the website , corporate sales & marketing, and product development. This is not a secure Web site and information submitted may be picked up by various hacker attempts or other malicious conduct.
The information provided in this website is intended solely as a general guide on the home buying, commercial finance, and the financing process, and does not constitute legal, tax, accounting, or other professional advice.
All loan programs have certain terms and conditions that may change without any notice to you. Lend USA’s rates, quotes, points, fees, programs are subject to change at anytime without notice. Programs may not be combined. Each Program is different. Apr’s will vary. Please call us for the specific apr. Certain conditions apply to all programs. Call for details.
State and federal law regulate loans, contracts, closing procedures, and disclosures. Individual situations and state laws vary. Users are encouraged to obtain appropriate legal and financial advice for their own circumstances and needs.
Lend USA may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and you should periodically visit this website to review the current terms and conditions.
No one may distribute, modify, transmit, reuse, repost or use the content of this website, including the text and images, for any public or commercial purposes, without the prior written permission of Lend USA. In the event such permission is granted, Lend USA does NOT warrant or represent that such use of any materials on this site will not infringe on the rights of third parties, unrelated to Lend USA.
Lend USA assumes no liability or responsibility for any errors or omissions in any information or statement on this website. IN NO EVENT SHALL LEND USA BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DAMAGES, INCLUDING ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, EXPENSES, LOST PROFITS, LOST SAVINGS, OR OTHER DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THIS WEBSITE OR THE INFORMATION CONTAINED ON THIS WEBSITE.
DISPUTES: I agree that if I have any dispute with Lend USA, I will immediately notify Lend USA in writing via certified mail of my dispute. I agree to negotiate in good faith in an effort to resolve my dispute with Lend USA. If my dispute cannot be resolved by negotiation, I agree that my dispute shall be submitted to mediation in Long Beach, California. I agree that Lend USA’s only liability shall be limited to its processing fee. All venues shall be in Long Beach, California.
WAIVER OF CONSUMER RIGHTS: I waive my rights to file any lawsuit against Lend USA, its entities, affiliate companies, trademarks, employees, related organizations, licensing entity, or parent entities under any law that gives consumers special rights and protections. After consultation with an attorney and financial professional of my own selection, I voluntarily consent to this waiver. I acknowledge that I am in an equal bargaining position, and that I could seek a loan elsewhere if I chose to do so. I further acknowledge that I am seeking a loan and no other goods or services.
CONFIDENTIALITY: LEND USA’s conversation, rates, points, fees, and disclosures are considered extremely confidential. I agree not to disclose any LEND USA information, rates, points, fees, disclosures and applications to anyone except to my Co-Borrower, or guarantor. I realize that if I breach this agreement, that LEND USA may be damaged and I may be sued.
OTHER INFORMATION: LEND USA and/or its employees are not my agents and no agency relationship exists between LEND USA and myself for any purpose. I understand and agree that all decisions concerning my loan application, including the interest rate, points, fees, loan program, and closing costs were my decisions alone and are not the responsibility of LEND USA and/or its employees.
I (we) UNDERSTAND AND AGREE that downpayment requirements, closing cost estimates, Truth in Lending Disclosures, and Good Faith Estimates are estimates and are not binding. Downpayment requirements, interest rates, fees, or points may change or vary at anytime without notice. The amounts shown on these estimates and/or disclosures may be different than the amounts shown on the final closing statement prepared by the title company.
I (We) completely understand that I (we) have not locked-in to any mortgage loan rate and/or points. I (We) have elected to float the rate and/or points until closing, or until I (we) lock-in to a rate and/or points in the future. I (We) completely understand that I (we) will not be locked-into a rate and/or points until the lock-in is placed in writing, signed, and dated by the borrower, with pending lender approval. A lock-in does not constitute or guarantee loan approval, loan closing, or loan funding. I agree that Lend USA will not be responsible for any costs or expenses I have if the loan does not close or fund prior to lock expiration. In addition, a lock-in does not constitute or guarantee that my rate lock-in period won’t expire, making my lock-in invalid, and subject to closing my loan application at current market rates at the time of the lock-in expiration or afterwards.
I understand that the loan I have applied for may have a prepayment penalty in the event I pay it off early. I understand and agree that LEND USA and/or its employees are not economic or legal advisors, nor does LEND USA and/or its employees have control over increases or decreases in mortgage interest rates. I acknowledge that I have consulted with an attorney and a financial professional of my own selection.
I UNDERSTAND AND AGREE that to facilitate loan approval, LEND USA may utilize the services of other entities, including subsidiaries of LEND USA. I understand that any credit decisions concerning my application are made by the final lender/investor and not by Lend USA.
For processing and estimating purposes, LEND USA utilizes loan balances, tax and insurance information, supplied by the customer or another third party. These amounts and balances often vary. I understand that I am obligated to continue making any existing mortgage payments on time until my new mortgage settles, closes, and funds through the title company. I am responsible for any late penalties for failing to pay an existing mortgage.
I agree that LEND USA shall not be responsible for any costs or expenses resulting in any delays. There will be no refunds of any fees paid by me, or on my behalf, for any reason.
I authorize LEND USA to submit my loan application to lenders for review and consideration and I understand that my loan, if approved, may be from a lender other than LEND USA.
Loan Approvals shall only be issued in writing and must be signed by the chairman of the loan approval committee to be valid. There are no verbal or oral loan approvals. There shall be no other form of loan approval, only written approval. “Pre-approval,” “Pre-Qualification,” “Pre-Qualified” are merely preliminary opinions and are not loan approvals.
CREDIT DENIAL: I understand that there is no guarantee my loan will be approved. Due to changing mortgage markets, some programs may change or be eliminated without notice. PLEASE Call for details.
Warning: Don't be fooled by imposters.: This company is not affiliated with lendusa(dot)com, lendusa(dot)org, Lend USA, Inc., Lend USA, Ltd.,or a company that may have used the name "Lend USA" with a federal tax identification number ending in 2156.
VERY IMPORTANT: Any and all stated income or stated asset representations I (we) make to Lend USA or its investors are true and accurate to the best of my (our) knowledge. There are have been no misrepresentations made by me (us). I (we) certify that any stated information on any loan "is" provided by me (us) or my (our) financial representative, and not my loan officer or anyone else. I (we) give my (our) permission that All stated information MAY be verified by Lend USA or its investors. I (we) understand that misrepresentation on any loan is a CRIME.
All trademarks, logos, and service marks displayed on this site are registered and unregistered trademarks of Lend USA, and are the property of Lend USA. Nothing on this site should be construed as granting, by implication or otherwise, any license or right to use any trademark displayed on this site without the prior written permission of Lend USA.
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2018 Lend USA