Terms of Use

Welcome to McLaughlin Mortgage (“Company,” “we,” “us,” or “our”). By accessing or using our website or other landing pages sent by McLaughlin Mortgage (“Website”), you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Website.

1. Use of Website

By using this Website, you represent that you are at least 18 years old and legally capable of entering into binding contracts. You agree to use the Website only for lawful purposes and in accordance with these Terms.

2. No Guarantee of Loan Approval

Submitting information through our Website does not guarantee loan approval or a commitment to lend. Loan approval is subject to verification of information, creditworthiness, and other conditions. All loans are subject to a completed application and underwriting approval. All programs and mortgage products are subject to borrower income, credit, and property approval. Not all loan applicants will be approved. Information provided on this Website or Landing Page is not an offer for extension of credit or a commitment to lend. McLaughlin Mortgage provides this content strictly for educational and informational purposes only. It is not intended to imply that a loan will be originated or approved by HUD, FHA, VA or any government-sponsored enterprise.

3. Changes to Rates, Terms, Costs, and Products

Rates, terms, and loan products presented on our Website are subject to change without notice at any time. The information provided is for informational purposes only and does not constitute a loan offer or commitment. Final loan terms will be provided upon formal application and approval. Fees and charges may apply and may vary by product and State.

4. Equal Housing Opportunity

We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income comes from any public assistance program.

5. Privacy Policy

Your use of our Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this Website, you consent to the practices described in our Privacy Policy.

6. Intellectual Property

All content on this Website, including text, graphics, logos, and images, is the property of [Your Company Name] and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, [Your Company Name] is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the Website. We do not guarantee that the Website will be error-free, uninterrupted, or free from viruses or other harmful components.

8. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing these links is at your own risk.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website constitutes your acceptance of the modified Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law principles.

11. Contact Information

If you have any questions about these Terms, please contact us at:

contact@mortgagemenu.com

12. Home Valuations

Home valuations are estimates provided from a third-party data provider. Actual appraised value at the time of a transaction may vary. Loans may be secured by a lien against your property. With respect to any estimated home value data shown, McLaughlin Mortgage receives this data from a third-party provider and they are estimates based on an “automated valuation model” (a.k.a. an AVM, which is a computer algorithm) that analyzes recent property sales in the same area to estimate the value of a given property. The valuations are estimated based on available data and do not constitute an appraisal of the subject property and should not be relied upon in lieu of underwriting or an appraisal. In some instances where an AVM is unavailable (esp. “new builds”) or when other data are available that conflict with the AVM value, McLaughlin Mortgage may display the “appraised value,” if provided by your loan officer, or “sold price,” if available from your loan officer and/or public record in lieu of an AVM. For approval of any actual loan products, a full appraisal may be required with your loan application to determine the actual value of your property, which may differ from the AVM estimate.

13. Interest Rate Assumptions

Interest rates are based on averages of our lender network and are estimates for informational purposes only; they are not quoted rates (and any rates quoted by a professional are subject to change due to market conditions). If you apply for a loan and do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Important information relating specifically to any actual loan will be contained in the loan documents, which alone will establish your rights and obligations under the loan plan. Terms, conditions, and restrictions apply.

14. Payment Calculations

The calculation on what you have paid toward principal and interest are estimated based on the available data (in some cases, entirely on public record data) and may not account for principal reductions, early or late payment penalties or other fees. To obtain exact and available options for your personal circumstances, please contact your loan officer. The estimated cash-out available is calculated by subtracting your current estimated loan balance from the AVM estimate of your property value and assumes closing costs are paid in cash. Any additional liens on your property may impact the amount of cash available.

15. California Disclosure

California Privacy Rights (a.k.a. “CCPA”) are honored nationally. If you are a California resident, you have the right to request information from us regarding the manner in which we share certain categories of Personal Information with third parties for their direct marketing purposes, in addition to the rights set forth above. Under California law, you have the right to send us a request at the designated address listed below to receive the following information: 1) the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; 2) the names and addresses of the third parties that received the information; and 3) if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed. This information may be provided in a standardized format that is not specific to you. The designated email address for these requests is: contact@mortgagemenu.com. Note, even if you do not live in California, we will honor the same requests from you regardless of the State in which you live. Also, please note that we have not yet developed a response to browser “Do Not Track” signals, and do not change any of our data collection practices when we receive such signals. We will continue to evaluate potential responses to “Do Not Track” signals in light of industry developments or legal changes. You may be receiving this from finance and/or real estate industry professionals, such as a loan officer or real estate agent. In some cases, you may be receiving this from a real estate agent who is also providing you contact information for a loan officer (in a manner that is compliant with the CFPB and RESPA rules and regulations) in order to help provide answers related to financing. While it’s important to note that McLaughlin Mortgage’s mission is to help you, the consumer, make the best and most informed choices when it comes to making smart home finance decisions, it is equally important to know you have choices and neither party is recommending or endorsing the other. You should choose the lender and/or real estate agent who best meets your needs.

16. Loan Assumptions

FHA loan amount includes a one-time upfront mortgage insurance premium (MIP) at 1.75% of the Base Loan Amount and a monthly MIP calculated at 0.55% of the base loan amount. The 0.55% monthly MIP is required for a specific period of time regardless of down payment or enquiry in your home. Interest rate assumptions: $400,000 sale price, purchase, Florida primary residence, first-time buyer, 30-year term, fixed rate, single-family detached, and 780 or higher credit score. 5% down conventional and applicable FHA/VA minimum down payment.

By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.