Terms and Conditions

1. Introduction These terms and conditions govern the use of mortgage services provided by Your Local Loan Shop, LLC – Mortgage Ride (referred to as "the Company," "we," "us," or "our"). By utilizing our services, you agree to comply with and be bound by these terms and conditions. Please read them carefully before proceeding.

2. Services Your Local Loan Shop, LLC - Mortgage Ride offers mortgage brokerage services to individuals seeking financing for real estate purchases or refinancing existing mortgages. Our services include but are not limited to loan origination, loan processing, and assistance with loan approval.

3. Eligibility To utilize our services, you must meet the eligibility criteria established by Your Local Loan Shop, LLC – Mortgage Ride. This may include creditworthiness, income verification, and compliance with applicable laws and regulations.

4. Application Process To apply for a mortgage through Your Local Loan Shop, LLC – Mortgage Ride, you must submit a complete application along with all required documentation. The information provided must be accurate and truthful to the best of your knowledge. Any misrepresentation may result in the denial of your application.

5. Fees and Charges Our services may involve fees and charges, including but not limited to origination fees, appraisal fees, and closing costs. These fees will be disclosed to you before you commit to the loan agreement. By utilizing our services, you agree to pay all applicable fees and charges as outlined in your loan agreement.

6. Privacy Your privacy is important to us. We will collect, use, and disclose your personal information in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your personal information as described in the Privacy Policy.

7. Messaging Program By opting into our messaging program, you agree to receive periodic SMS messages from Your Local Loan Shop, LLC – Mortgage Ride. These messages may include updates, reminders, and promotional offers related to our services. You can cancel the SMS service at any time. Simply text "STOP" to the short code. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected] or 833-684-7433 Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for messages sent to you from us and to us from you. For questions about your text plan or data plan, contact your wireless provider.

8. Disclaimers Your Local Loan Shop, LLC - Mortgage Ride provides mortgage brokerage services and does not make any lending decisions. We do not guarantee loan approval or the terms of any loan offer. The final decision rests with the lender.

9. Limitation of Liability In no event shall Your Local Loan Shop, LLC - Mortgage Ride be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our services.

10. Governing Law These terms and conditions shall be governed by and construed in accordance with the laws of State and Federal guidelines, without regard to its conflict of law provisions.

11. Amendments Your Local Loan Shop, LLC - Mortgage Ride reserves the right to amend these terms and conditions at any time without prior notice. Any changes will be effective immediately upon posting on our website. It is your responsibility to review these terms and conditions periodically for any updates.

12. Contact Information If you have any questions or concerns about these terms and conditions, please contact us at [email protected] or 833-684-7433. By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.