1. Introduction
These Terms & Conditions (“Terms”) govern your access to and use of the services offered by Homeland Financing (“we”, “us”, “our”), including our website at https://homelandfinancing.com/ and all associated mortgage and loan services. By using our website, submitting any application, or engaging with our services you agree to be legally bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, do not use our website or services.
2. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. We reserve the right to refuse services to anyone at our discretion.
3. Definitions
“Services” means assistance with mortgage loan applications, loan product education, loan origination, refinancing options, and other related financial advisory services.
“You” or “Client” means any person or entity accessing the website or using our Services.
4. Scope of Services
Homeland Financing provides brokerage and mortgage consulting services and may assist in the origination of loans. We do not guarantee loan approvals, specific loan terms, rates, or conditions. Final loan eligibility, pricing, and approval are determined by the lender and are subject to creditworthiness and underwriting standards.
5. Application Process
By submitting any application for financing or related services, you authorize us to collect, use, and verify personal information (including credit history) necessary to process your request and facilitate communications with third parties such as lenders and credit bureaus.
6. Fees and Charges
Service fees will be disclosed before or at the time of application. All fees are non-refundable unless otherwise agreed in writing. Any costs related to third parties (e.g., appraisal, title insurance, legal fees) are your responsibility and are separate from Homeland Financing’s fees.
7. Client Obligations
You agree to:
a) Provide accurate, complete, and current information in all dealings with Homeland Financing.
b) Promptly update any information provided if it changes.
c) Comply with all agreement terms from lenders and third-party service providers.
8. Non-Discrimination
We comply with all applicable fair lending and anti-discrimination laws. We will not discriminate against any person based on race, color, religion, sex, national origin, age, disability, familial status, or other protected characteristics.
9. Use of Website
Use of the website and its content is subject to additional usage policies. You may not misuse the website, attempt to interfere with its operation, harvest data without consent, or use our content for any unlawful purpose.
10. Intellectual Property
All content on the website, including text, graphics, logos, and software, is owned by Homeland Financing or its licensors. No content may be reproduced, copied, distributed, or used without our express consent.
11. Limitation of Liability
To the fullest extent permitted by law, Homeland Financing and its agents are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services or website.
12. Governing Law & Dispute Resolution
These Terms and any dispute arising from them are governed by the laws of the state in which your transaction is executed. Any legal action must be brought in courts of competent jurisdiction in that state.
13. Amendments
We may update these Terms at any time by posting revisions on the website. Changes become effective immediately upon posting. Your continued use constitutes acceptance of the updated Terms.
14. Contact Information
If you have questions about these Terms or our services, contact us at:
Phone: 786-942-8557
Address: 17W662 Butterfield Rd, Ste 305, Oakbrook Terrace, IL 60181, USA
