Legal

Terms of Use
Mortgage & Refinance HQ website (the "Site") is available for personal, non-commercial use only. Mortgage & Refinance HQ owns all of the content on the Site and none of the content or information may be copied, distributed, reproduced, published, or sold in any form without Mortgage & Refinance HQ's permission. Use of the Site constitutes your agreement to abide by all of the terms and policies set forth therein. If you are not willing to so agree, please immediately discontinue your use of the Site. Mortgage & Refinance HQ may revise this Legal Policy at any time in its sole discretion, with or without notice. As such, users are encouraged to frequently review this policy. The terms "we" "us" and "our" refer to Mortgage & Refinance HQ and our affiliated companies.

Liability Disclaimer
Information on this Site is intended solely for general guidance purposes only. None of the information provided on this website constitutes legal, tax, accounting, or other professional advice. Each Site user is advised to consult his or her own financial advisor regarding the application of any information on this Site to a user's individual circumstances. All information included on this website is believed to be accurate, although inaccuracies or typographical errors may exist. Mortgage interest rates, loan terms, and other information on this website are subject to change without notice. This Site may provide links to other websites owned or operated by parties other than Mortgage & Refinance HQ. Mortgage & Refinance HQ does not operate or control in any respect, or endorse any information, software, products or services available on such third party websites, unless expressly stated otherwise. Such links to third-party websites are provided for your convenience and reference only. Users are advised to review the policies posted by these third-party websites regarding privacy, terms of use, and other topics before using them.

Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. You may inquire about our HMDA data by sending a signed written request to the following address:

Mortgage & Refinance HQ
(call for address)
1-800-658-5362

Equal Credit Opportunity Act (ECOA)
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 that the applicant has the capability 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. If you have any questions regarding your rights, or if you wish to file a complaint, please contact the management of this financial institution or:

The Federal Trade Commission
Equal Credit Opportunity
Washington, DC 20580

The Fair Housing Act
Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property. Anyone who feels he or she has been discriminated against should send a complaint to:

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, DC 20410

If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution at

1-800-658-5362

or:

Department of Corporations
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105


Copyright and Trademark
All contents of this website are: Copyright © 2006 Mortgage & Refinance HQ, 18400 Von Karman Avenue, Suite 1000, Irvine, CA 92612 - U.S.A. All rights reserved. Other product and company names mentioned herein, including the names of participating Lenders or customers, may be the trademarks of their respective owners.

Disclaimers and Limitation of Liability
THIS SITE AND THE INFORMATION, DATA, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." MORTGAGE & REFINANCE HQ AND ITS AFFILIATES DISCLAIM ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, DATA, AND SERVICES PROVIDED HEREIN, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND/OR REPRESENTATIONS OR WARRANTIES THAT YOU WILL OBTAIN OR RECEIVE A HOME LOAN FROM MORTGAGE & REFINANCE HQ. USE OF THIS WEB SITE IS AT YOUR OWN RISK. MORTGAGE & REFINANCE HQ AND ITS AFFILIATES ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MORTGAGE & REFINANCE HQ AND/OR ITS AFFILIATES HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

Indemnity
As a condition of using this Site, you agree to indemnify Mortgage & Refinance HQ and its affiliates from and against any and all claims, liabilities, losses, expenses (including attorneys' fees) and damages arising out of or related to claims resulting from your use of this Site.

Dispute Resolution
Any dispute, claim or controversy arising out of or relating to your use of this Site and any information, data and services provided on the Site, shall be determined by arbitration, before a sole arbitrator, in accordance with the laws of the State of Washington for agreements made in and to be performed in that State. The arbitration shall be administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction.

Other Terms
This Legal Policy shall be treated as though executed and performed in the state of Washington and shall be governed and construed in accordance with the laws of the United States of America and, to the extent that state law is applicable, by the laws of the State of Washington (without regard to conflict of law principles).


State License Disclosure Information
Online mortgage pre-qualifications from this Site are accepted throughout the United States with the exception of Alaska, Hawaii and Nevada. In Ohio we originate first mortgages only. The following states require state-specific disclosures: Minnesota, Nevada and Ohio.

Licenses
Mortgage & Refinance HQ is a wholly owned subsidiary of XXXXX and jointly markets mortgage services under the same trade name - Mortgage & Refinance HQ.

All loan applications are subject to underwriting approval, including credit verification and property valuation. Products available may vary by state. Not all buyers will qualify. Minimum loan amount is $50,000. Loans not available in Alaska. If you decide to accept a home equity loan, there will be appraisal, title search fees, and other costs, but it costs you nothing to get all the details or apply. Equal opportunity lender.