NationsChoice Mortgage - Terms and Conditions

Terms of Use

NationsChoice Mortgage (hereinafter "we" or "us") is engaged in the business of mortgage lending to individuals seeking to purchase and/or refinance mortgage(s) and residential real estate.

We may modify these Terms of Use.

The following terms of use and conditions (the "Terms and Conditions") shall apply to your interactions with us. These Terms and Conditions constitute a binding, legal agreement between you and us and are part of each service offered by us and purchased by you. NationsChoice Mortgage reserves the right to change the terms, conditions, and notices under which the NationsChoice Mortgage site is used. You are responsible for regularly reviewing these Terms of Use.

1) INDEMNIFICATION AND LEGAL DISCLAIMER

EXCEPT AS STATED IN THESE TERMS AND CONDITIONS, WE DISCLAIM ANY AND ALL WARRANTIES, CONDITIONS, OR REPRESENTATIONS (EXPRESSED OR IMPLIED, ORAL OR WRITTEN), WITH RESPECT TO THE SERVICE(S) PROVIDED HEREUNDER, OR ANY PART THEREOF, INCLUDING ANY AND ALL IMPLIED WARRANTIES OR CONDITIONS, OR FITNESS OR SUITABILITY FOR ANY PURPOSE (WHETHER OR NOT WE KNOW, HAVE REASON TO KNOW, HAVE BEEN ADVISED, OR ARE OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), WHETHER ALLEGED, ARISING BY OPERATION OF LAW, OR BY COURSE OF DEALING. IN ADDITION, WE EXPRESSLY DISCLAIM ANY WARRANTIES OR REPRESENTATIONS TO ANY PERSON OTHER THAN YOU WITH RESPECT TO THE SERVICES OR ANY PART THEREOF. IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY OTHER PERSON FOR LOST PROFITS OR REVENUES OR INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, TREBLE, OR PUNITIVE DAMAGES.

We assume no liability for any loss, damage, injury, or claim of any kind or character to any person or property, including, but not limited to, you or any third party, arising from, relating to, or in connection with the service(s) provided hereunder or any transaction between us under these Terms and Conditions.

2) NO WAIVER

Any waivers of rights must be in writing and no prior waiver will affect a party's rights as to a subsequent breach. Our rights and remedies shall be distinct, separate, and cumulative. No action or inaction by us shall operate to exclude or deprive us of any other rights allowed to us by law.

3) FORCE MAJEURE

We will be excused from our obligations if our performance is prevented by events outside of our reasonable control, including, without limitation, third-party action or inaction, acts of God, wars, riots, strikes or other labor disputes, natural disasters, fire, or severe weather.

4) SEVERABILITY

If any part of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions of these Terms and Conditions shall continue to be binding and effective.

5) GOVERNING LAW AND ATTORNEYS' FEES

Our agreement and these Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arizona without recourse to conflicts of law principles. In any controversy or claim arising out of or relating to this Agreement, or the breach thereof, the prevailing party shall be awarded all costs, attorneys' fees, and other expenses incurred by such prevailing party.

6) ASSIGNMENT

Our agreement and these Terms and Conditions may not be transferred, delegated or assigned by either party without the prior written consent of the other party, except that we may assign the agreement and these Terms and Conditions in connection with the sale of our business or a merger with a third party. These Terms and Conditions shall be binding upon, and shall inure to the benefit of, the successors and assignees of you and us.

7) THIS SITE IS DESIGNED FOR YOUR PERSONAL USE

The NationsChoice Mortgage web site is for your personal use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the NationsChoice Mortgage site.

8) YOUR PERSONAL INFORMATION WILL BE SECURE AND WILL BE KEPT PRIVATE

NationsChoice Mortgage has developed policies and procedures to protect your personal information. Please refer to our Privacy Policy and Site Security pages for further information.

Keeping your information confidential and secure is as important to us as it is to you. Any emails you send may not be secure. Do not email any confidential information such as passwords, account numbers, credit card information or social security numbers. Confidential information should be provided to us by phone, fax or regular mail.

9) APPLICATION FEES

There is no charge to complete an application and obtain loan approval. When you are ready to continue the application process we will accept a credit card payment online or over the phone. For more information about the Loan Process, please refer to the What To Expect page for further details.

10) LINKS TO THIRD PARTY SITES ARE PROVIDED FOR YOUR CONVENIENCE

The NationsChoice Mortgage site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of NationsChoice Mortgage. NationsChoice Mortgage shall not responsible for the contents of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. These links are provided only as a convenience, and the inclusion of any link shall not be an endorsement by NationsChoice Mortgage of the site.

11) CONDITIONS OF USE

As a condition of your use of the NationsChoice Mortgage site, you warrant to NationsChoice Mortgage that you will not use the NationsChoice Mortgage web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the NationsChoice Mortgage web site in any manner which could damage, disable, overburden, or impair the NationsChoice Mortgage web site or interfere with any other party's use of the NationsChoice Mortgage web site.

12) ENTIRE AGREEMENT

By agreeing to the Terms and Conditions, you are confirming that you have the full power and authority to enter into and perform in accordance with these Terms and Conditions. We encourage you to print and keep a copy for reference.

Instant Mortgage Rate Help

Loan Amount: How much do you want to borrow? Example: 150,000 (You can borrow up to 100% of the purchase price of your home. You will find better interest rates at 95%, 90%, and 80% progressively.)

Property Value: This is the purchase price of your property or your best estimate of the appraised value of the property. Example: 175,000.

Loan Type: Selecting Refinance WITH CASH OUT may increase your rate. If you want some extra cash to pay the closing costs on your new loan, this would NOT be considered receiving extra cash.

Escrow/Impounds: Allows you to pay 1/12 of your annual property taxes and homeowners insurance with your mortgage payment each month. Escrowing your taxes and insurance will lower your points by .25%

Property State: Specify the State where the property is located

Property County: Specify the County where the property is located


Todays Rates: These rates are based on the following criteria..

Instant Mortgage Rates:


Loan Amount
Property Value
Loan Type
Loan Purpose  
Property Type
State
City
Zip
 

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