Terms of Use


USAGE AGREEMENT BETWEEN YOU AND GOODMORTGAGE.COM

By accessing this web site you (meaning any individual whose name is used in the pre-qualification pages, jointly and severally; also referred to herein as "your") agree to and accept, without modification, the terms, conditions, and notices contained in this Agreement. We reserve the right to revise these Terms of Use and Disclosures from time to time without notice by posting such change on the site. Any such change will be effective immediately upon posting on this web site. If you do not wish to be bound by these terms and conditions, you may not access or use this web site. Further, these terms and conditions apply exclusively to your access to, and use of, this web site and do not alter in any way the terms and conditions of any other agreement you may have with us. Notwithstanding any of these terms and conditions, we reserve the right, without notice and in our sole discretion, to block or prevent future access to and use of this web site.

 

Your use of this Site constitutes your agreement to all such terms, conditions, and notices.

The information and services offered on this Site are provided with the understanding that neither goodmortgage.com nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

goodmortgage.com and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services, or other material on this Site. While goodmortgage.com and its suppliers strive to keep the information on this Site accurate, complete, and up-to-date, goodmortgage.com and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness, or timeliness of the information.

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES

You may access, download, and print materials on this Site for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site without prior written permission from goodmortgage.com. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information. If and when requested by goodmortgage.com, you agree to provide true, accurate, and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of goodmortgage.com, you agree to refrain from accessing or attempting to access password protected, secure, or nonpublic areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to goodmortgage.com that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment, or data, neither goodmortgage.com nor its affiliates are responsible for those costs.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. GOODMORTGAGE.COM, ITS AFFILIATES, AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS, OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL GOODMORTGAGE.COM, ITS AFFILIATES, AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF GOODMORTGAGE.COM, ITS AFFILIATES, OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless goodmortgage.com, its affiliates, and suppliers from any liability, loss, claim, and expense (including attorneys' reasonable fees) related to your violation of this Agreement.


TRUE INFORMATION

All of the information you have provided in the pre-qualification is true and complete. You authorize goodmortgage.com ("we", "us" or "our") and any other lending entity or service provider that we provide this information ("providers") to check my credit (including ordering a consumer credit bureau report) and employment history, to answer questions regarding their credit history with you, and provide that information to credit bureaus and to return their decision to you via telephone, facsimile, mail or internet. You understand that the providers and we may keep this information, whether or not you pre-qualify for a loan. You acknowledge that this is NOT an application for credit. YOU UNDERSTAND THAT YOU WILL HAVE TO COMPLETE AN APPLICATION WITH US AND FULFILL ALL OF THE REQUIREMENTS OF THE APPLICATION BEFORE WE WILL CONSIDER THAT AN APPLICATION HAS BEEN MADE TO US AND BEFORE WE WILL EXTEND TO YOU A LOAN OFFER.

 

The interest rate quoted in connection with the loan you select is subject to change without notice unless and until an application as described above has been submitted and accepted by us and we have informed you of approval of your loan request, and, as applicable, an interest rate lock-in agreement has been made between you and us. If you enter a lock-in agreement with us and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by us in the agreement.

 

FEDERAL DISCLOSURES

As mandated by federal law, we are required by the Truth in Lending Act (TILA) and, for loans secured by real property, the Real Estate Settlement Procedures Act (RESPA) to provide the following information to you only if an application, as described above, is made:

 

  • Good faith estimates of your settlement cost
  • HUD booklets entitled " Guide to Settlement Costs" and "When Your Home is on the Line"
  • Notices concerning possibility of your mortgage loan servicing being transferred to another institution
  • Your right to a copy of any appraisal, if any, performed on your home.

 

The federal 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 federal agency that administers compliance with this law concerning this creditor is The Office of the Comptroller of the Currency, Customer Assistance Unit, 1301 McKinney Avenue, Suite 3710, Houston, TX 77010.

 

SECURITY POLICY

We and our providers are committed to protecting the security of your information. We and our providers use sophisticated secure technology to protect your data and transmissions.

 

  • Information sent to us is scrambled by utilizing Secure Socket Layers (SSL). This allows us to protect the information you send and receive from us or our providers.
  • All sensitive personal information sent or received will be encrypted in our or our providers' database.
  • Our database is physically separated from our web server and is protected by a physical firewall.

 

Although we have taken these steps to ensure that your personal information is delivered and disclosed only to us, we cannot guarantee that the personal information you provide will not be intercepted by others.

 

DISCLAIMERS AND LIMITATIONS

We do not warrant that the information contained in this web site is at all times accurate and reliable; an error sometimes occurs. We expressly disclaim any obligation to update the contents of this web site or to maintain uninterrupted access to this web site. Reference to any products, services, processes, or other information, by trade name, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

 

THIS WEB SITE AND THE MATERIALS CONTAINED ON THIS WEB SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY US. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT REPRESENT OR WARRANT THAT MATERIALS IN THIS WEB SITE ARE ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE. WE DO NOT REPRESENT OR WARRANT THAT THIS WEB SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE SHALL NOT BE LIABLE FOR ANY DAMAGES, SERVICES, REPAIRS OR CORRECTIONS THAT MUST BE PERFORMED ON YOUR COMPUTER CAUSED BY YOUR USE OF THIS WEB SITE, INCLUDING ANY INFECTION OF VIRUSES.

 

IN NO EVENT SHALL WE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR THE MATERIALS CONTAINED IN, OR ACCESSED THROUGH, THIS WEB SITE.

 

LINKS TO THIRD PARTY WEB SITES

From time to time, this web site may contain links to other web sites maintained by third parties. We do not own, operate or endorse these web sites. These links are provided for your convenience and reference only. We have not reviewed all web sites linked to this web site and are not responsible for the content of off-web site pages. Linking to any other web sites is at your own risk. We do not make any representations about, accept any liability for, or sponsor any of the programs, information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from any linked web sites, nor the quality of any products, information or other materials displayed, purchased, or obtained by you therefrom or as a result of an advertisement or offer thereon.

 

ERRORS AND DELAYS

We are not responsible for any errors or delays in responding to a pre-qualification form caused by incorrect information provided by you or by other technical problems beyond our reasonable control.

 

APPLICABLE LAW

This Agreement shall be subject to the laws of the United States as applicable to mortgage lenders, and to the extent said laws do not apply, then this Agreement is governed by the laws of the State of North Carolina, applicable to agreements made and entirely to be performed within such state, without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in North Carolina state court or federal court located in the Western District of the State of North Carolina and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction or such courts over any suit, action or proceeding arising out of this Agreement or the terms and disclosures.

 

COPYRIGHT AND TRADEMARK NOTICES

All materials and contents of this web site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by goodmortgage.com.  No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of goodmortgage.com.

Copyright © 1999-2007 goodmortgage.com  All rights reserved.