Terms of Service

1. Acceptance of Terms

Welcome to Nationwide Home Loans, Inc. ("Nationwide," "we," "us," or "our"). These Terms of Service ("Terms") constitute a legally binding agreement between you and Nationwide Home Loans, Inc. regarding your use of our website, services, and platforms.

1.1 Agreement Scope

These Terms apply to:

• Our website and all associated web pages
• Our Go High Level platform and CRM system
• All mortgage and lending services we provide
• Any communications, marketing materials, and customer interactions
• Related services provided by our sister company or affiliates

1.2 Additional Agreements

When you apply for a loan or engage our services, you will be required to sign additional agreements, including but not limited to:

• Loan Application and Authorization forms
• Uniform Residential Loan Application (Form 1003)
• Good Faith Estimate and Loan Estimate disclosures
• Closing documents and promissory notes

In the event of any conflict between these Terms and your signed loan documents, the loan documents will prevail.

2. Description of Services

Nationwide Home Loans, Inc. is a licensed mortgage lender and broker providing comprehensive home financing services.

2.1 Services Offered

• Purchase Loans: Financing for purchasing primary residences, second homes, and investment properties
• Refinancing: Rate-and-term refinancing, cash-out refinancing, and debt consolidation
• Specialty Loans: VA loans, FHA loans, USDA loans, jumbo loans, DSCR loans, bank statement loans, stated income loans, fix-and-flip financing
• Reverse Mortgages: Home Equity Conversion Mortgages (HECM) for eligible seniors
• Home Equity Products: HELOCs and home equity loans
• Commercial Financing: Commercial real estate and business financing through affiliated entities
• Owner Finance Lease Programs: Alternative financing solutions
• Consultation Services: Pre-qualification, financial planning, and homeownership guidance

2.2 Service Limitations

2.3 Licensing

Nationwide Home Loans, Inc. is able to lend in all 50 states. Our NMLS # is 331347. Individual loan officers hold separate state licenses as required by law.

3. Eligibility and User Requirements

3.1 Age Requirement

You must be at least 18 years of age to use our services and enter into legally binding contracts. By using our services, you represent and warrant that you are at least 18 years old.

3.2 Legal Capacity

You must have the legal capacity to enter into binding contracts. You represent that:

• You are not prohibited by law from receiving our services
• You have not been previously banned from our services
• You are not subject to any legal restrictions that would prevent loan approval
• All information you provide is accurate, current, and complete

3.3 Account Registration

To access certain features of our services, you may be required to create an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account
• Update your information promptly when it changes

4. User Obligations and Conduct

4.1 Prohibited Activities

You agree not to:

• Provide false, misleading, or fraudulent information on loan applications or in any communications
• Misrepresent your identity, employment, income, assets, or creditworthiness
• Use our services for any illegal or unauthorized purpose
• Interfere with or disrupt our website, servers, or networks
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use automated systems (bots, scrapers) to access our services without permission
• Reverse engineer, decompile, or disassemble any portion of our website or services
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm our employees, contractors, or other users
• Violate any applicable laws, regulations, or third-party rights

4.2 Accurate Information Requirement

4.3 Documentation Requirements

You agree to:

• Provide all requested documentation in a timely manner
• Ensure all documents are authentic and unaltered
• Respond promptly to requests for additional information
• Notify us of any material changes in your financial situation
• Cooperate fully during the underwriting and verification process

4.4 Communication Consent

By using our services, you consent to receive communications from us via:

• Email to the address you provided
• Phone calls and text messages (SMS) to the number(s) you provided
• Messages through our Go High Level platform
• Physical mail to your address on file

You may opt out of marketing communications at any time, but you cannot opt out of transactional or legally required communications.

5. Loan Application Process

5.1 Application Submission

When you submit a loan application, you authorize us to:

• Obtain your credit report from one or more credit bureaus
• Verify your employment, income, and assets
• Contact references and third parties you've listed
• Order property appraisals and title reports
• Share your information with potential lenders and investors
• Submit your application to multiple lenders to find the best terms

5.2 No Guarantee of Approval

5.3 Rate Locks and Quotes

Rate quotes and estimates are:

• Subject to change without notice until formally locked in writing
• Based on the information you provide at the time of quote
• Dependent on current market conditions
• Contingent upon final underwriting approval
• May expire after a specified period (typically 30-60 days)

5.4 Processing Timeline

While we strive to close loans efficiently, timelines are estimates only and may be affected by:

• Completeness and accuracy of your application
• Third-party delays (appraisals, title work, employment verification)
• Underwriting requirements and conditions
• Market volume and lender capacity
• Complexity of the transaction

5.5 Withdrawal and Cancellation

You have the right to withdraw your application at any time before closing. However, you may be responsible for third-party fees already incurred (appraisal, credit report, etc.). We reserve the right to cancel or deny any application at our discretion.

6. Fees and Payment Terms

6.1 Fee Disclosure

All fees associated with your loan will be disclosed in your Loan Estimate (LE) and Closing Disclosure (CD) as required by the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA).

6.2 Types of Fees

Fees may include, but are not limited to:

• Origination Fees: Lender and broker fees for processing your loan
• Application Fees: Upfront fees to process your application (if applicable)
• Third-Party Fees: Appraisal, credit report, title insurance, survey, inspection fees
• Prepaid Items: Property taxes, homeowners insurance, HOA dues
• Discount Points: Optional fees to reduce your interest rate
• Government Fees: Recording fees, transfer taxes

6.3 Fee Changes

Fees may change between your Loan Estimate and closing if:

• You change loan programs or lock in a different rate
• The appraised value differs significantly from the estimated value
• There are changes to your credit, income, or assets
• Third-party service providers charge different amounts than estimated
• You request changes to the transaction

6.4 Payment of Fees

Most fees are paid at closing and deducted from your loan proceeds or paid via wire transfer. Some fees (like appraisal) may be due upfront. Non-refundable fees will be clearly disclosed.

6.5 Comparison Shopping

We encourage you to shop around and compare loan offers. Our Loan Estimate allows you to compare our offer with those from other lenders.

7. Intellectual Property Rights

7.1 Our Property

All content on our website and in our materials, including but not limited to:

• Text, graphics, logos, images, photographs
• Software, code, and databases
• Design, layout, and user interface
• Trademarks, service marks, and trade names
• Proprietary calculators and tools

...are the exclusive property of Nationwide Home Loans, Inc. or our licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our website for personal, non-commercial purposes
• Download and print materials for your own loan application
• View content on your personal devices

7.3 Restrictions

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our trademarks, logos, or branding without written permission
• Frame or embed our website on other sites without authorization
• Remove copyright or proprietary notices from any content
• Use our content for commercial purposes without a license

7.4 User-Submitted Content

By submitting content to us (reviews, testimonials, feedback), you grant us a perpetual, worldwide, royalty-free license to use, reproduce, modify, and display that content for business purposes.

7.5 Trademark Notice

"Nationwide Home Loans" and our logo are registered trademarks. All other trademarks mentioned on our site belong to their respective owners.

8. Disclaimers and Limitations of Liability

8.1 "As Is" Disclaimer

8.2 No Guarantee

We do not guarantee:

• Loan approval or specific loan terms
• Specific interest rates or fees
• Uninterrupted or error-free website operation
• Accuracy or completeness of third-party information
• That our services will meet all your requirements
• Specific closing timelines

8.3 Third-Party Content

Our website may contain links to third-party websites and resources (lenders, real estate sites, credit bureaus). We are not responsible for:

• The availability or accuracy of third-party content
• Third-party privacy practices or terms of service
• Products or services offered by third parties
• Damages resulting from your use of third-party sites

8.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NATIONWIDE HOME LOANS, INC. SHALL NOT BE LIABLE FOR:

• Indirect, incidental, consequential, or punitive damages
• Lost profits, revenue, or business opportunities
• Damages arising from loan denial or delays
• Errors or omissions in content or information
• Unauthorized access to your account or data breaches beyond our control

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

8.5 State-Specific Limitations

Some states do not allow limitations on implied warranties or exclusion of certain damages, so the above limitations may not apply to you in full.

9. Indemnification

You agree to indemnify, defend, and hold harmless Nationwide Home Loans, Inc., its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms of Service
• Your violation of any law or regulation
• Your violation of any third-party rights
• Your use or misuse of our services
• False or fraudulent information you provide
• Your negligence or willful misconduct
• Any content you submit or transmit through our services

10. Termination

10.1 Termination by You

You may terminate your use of our services at any time by:

• Withdrawing your loan application in writing
• Closing your account (if applicable)
• Ceasing to use our website and services

10.2 Termination by Us

We reserve the right to suspend or terminate your access to our services immediately, without notice, for any reason including:

• Violation of these Terms of Service
• Providing false or misleading information
• Fraudulent activity or suspected fraud
• Failure to provide required documentation
• Abusive or harassing behavior toward staff
• Non-payment of fees or charges
• Legal or regulatory requirements

10.3 Effects of Termination

Upon termination:

• Your right to use our services immediately ceases
• We may delete your account and data (subject to legal retention requirements)
• You remain liable for any fees incurred before termination
• Provisions that by their nature should survive termination will continue (indemnification, disclaimers, etc.)

10.4 No Refunds

Unless required by law, fees paid for services rendered or third-party costs incurred are generally non-refundable upon termination.

11. Dispute Resolution and Arbitration

11.1 Informal Resolution

Before filing a formal claim, we encourage you to contact us to seek an informal resolution:

• Email: [email protected]
• Phone: (805) 235-8575
• Mail: Nationwide Home Loans, Inc., Attn: Dispute Resolution, [Address]

We will attempt to resolve disputes in good faith within 30 days.

11.2 Arbitration Agreement

11.3 Arbitration Rules

Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) or JAMS, at your choice. The arbitration will be:

• Conducted by a single neutral arbitrator
• Held in the county where you reside or another mutually agreed location
• Subject to the Federal Arbitration Act
• Final and binding, with limited appeal rights
• Conducted in English

11.4 Class Action Waiver

YOU AND NATIONWIDE HOME LOANS AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.

11.5 Costs and Fees

Each party will bear its own attorneys' fees unless otherwise awarded by the arbitrator. We will pay AAA/JAMS filing fees for claims under $75,000.

11.6 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice within 30 days of first using our services to: Nationwide Home Loans, Inc., Attn: Arbitration Opt-Out, [Address].

11.7 Exceptions to Arbitration

The following disputes are not subject to arbitration:

• Small claims court actions (under jurisdictional limits)
• Claims for injunctive or equitable relief
• Intellectual property disputes
• Disputes that cannot be arbitrated under applicable law

12. Governing Law and Jurisdiction

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions, except to the extent preempted by federal law.

12.2 Federal Law

Our lending activities are subject to extensive federal regulation, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act (FHA)
• Fair Credit Reporting Act (FCRA)
• Gramm-Leach-Bliley Act (GLBA)
• Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
• Dodd-Frank Wall Street Reform and Consumer Protection Act

12.3 Venue

For disputes not subject to arbitration, you agree that exclusive jurisdiction and venue shall be in the state or federal courts located in [Your County, State].

12.4 Waiver of Jury Trial

To the extent permitted by law, both parties waive their right to a jury trial for any disputes not subject to arbitration.

13. Modifications to These Terms

13.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time to reflect:

• Changes in our business practices or services
• New legal or regulatory requirements
• Technology updates and security improvements
• Industry best practices and standards
• Customer feedback and suggestions

13.2 Notice of Changes

When we make material changes to these Terms, we will:

• Update the "Last Updated" date at the top of this page
• Post a notice on our website homepage
• Send you an email notification (if you have provided an email address)
• Provide at least 30 days' notice for material changes

13.3 Acceptance of Changes

Your continued use of our services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using our services.

13.4 Loan-Specific Terms

Changes to these Terms do not affect the terms of existing loan agreements you have signed. Loan documents remain in effect as originally executed.

14. Miscellaneous Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any signed loan documents, constitute the entire agreement between you and Nationwide Home Loans, Inc. regarding the subject matter herein.

14.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. No waiver shall be effective unless in writing and signed by us.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms and our rights to any affiliate or successor entity without restriction.

14.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, government actions, or technical failures.

14.6 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

14.7 Survival

Provisions that by their nature should survive termination shall survive, including indemnification, disclaimers, limitations of liability, dispute resolution, and governing law.

14.8 Electronic Signatures

You consent to the use of electronic signatures and agree that electronically signed documents have the same legal effect as physically signed documents.

14.9 Language

These Terms are prepared and executed in English. Any translation is provided for convenience only. In case of conflict, the English version prevails.

14.10 Equal Housing Opportunity

15. Contact Information

If you have questions, concerns, or need assistance regarding these Terms of Service, please contact us:

Customer Service

For general questions or support:

• Call: (805) 235-8575
• Email: [email protected]
• Hours: Monday - Friday, 9:00 AM - 6:00 PM (Local Time)

Regulatory Inquiries

For licensing, compliance, or regulatory questions:

• NMLS Consumer Access: www.nmlsconsumeraccess.org
• Consumer Financial Protection Bureau: www.consumerfinance.gov