Terms and Conditions

Terms and Conditions

Effective Date: Dec 1st 2024

Welcome to Simply Approved Mortgages. By accessing or using our website, services, or products, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using our services. If you do not agree with these terms, you should discontinue use of our website and services.

1. General Terms

Eligibility

To use our services, you must:

• Be at least 18 years old.
• Provide accurate and complete information when requested.

Modification of Terms

Simply Approved Mortgages reserves the right to modify these terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of our services constitutes acceptance of any modifications.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the state in which Simply Approved Mortgages operates.

2. Use of Website

Acceptable Use

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use of the website. Prohibited behavior includes:

• Hacking or attempting to gain unauthorized access to systems or data.
• Engaging in fraudulent activities.
• Uploading harmful or malicious content.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Simply Approved Mortgages or its licensors and is protected by copyright, trademark, and other intellectual property laws. Unauthorized use of this content is strictly prohibited.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We are not responsible for the content, policies, or practices of these external sites. Accessing third-party websites is at your own risk.

3. Services Provided

Mortgage Services

Simply Approved Mortgages provides assistance with mortgage loans, refinancing, and other related services. All loan approvals are subject to underwriting guidelines, verification of provided information, and credit approval.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of any content on our website or provided through our services.

No Financial Advice

The information provided on our website and through our services is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult a qualified professional for specific advice tailored to your situation.

4. Rate Assumptions

Rates displayed on our website or provided through our services are subject to the following assumptions:

• Rates are subject to change without notice.
• Assumes you are buying or refinancing an owner-occupied single-family home.
• Assumes debt-to-income ratios of 35% or lower.
• Assumes all asset and reserve requirements are met.
• Property must have a loan-to-value (LTV) ratio of 80% or less.
• The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points (including origination, discount, and lender fees).
• On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, after the initial fixed-rate period expires.

For a customized rate and payment quote, please contact one of our Licensed Loan Officers.

5. Disclaimer

All rates, loan information, and content provided on this website are for informational purposes only. Simply Approved Mortgages makes no guarantees regarding the accuracy, completeness, or reliability of this information. Rates, terms, and conditions are subject to change at any time without notice and may vary based on individual borrower qualifications, market conditions, and other factors.

Not Responsible for Errors

We are not responsible for typographical errors, outdated information, or inaccuracies in the displayed rates or content.

No Liability

Simply Approved Mortgages disclaims any liability for:

• Decisions made based on information provided on this site.
• Losses incurred as a result of relying on rates, loan programs, or any other content on this website.
• Technical issues, including website downtime or data inaccuracies.

Verification Required

All rates and terms must be verified directly with a Simply Approved Mortgages Licensed Lending Officer. Published rates and terms do not constitute an offer or commitment to lend.

6. Privacy and Data Protection

Your use of our website and services is governed by our Privacy Policy. By using our services, you consent to the collection and use of your data as described in our Privacy Policy.

7. User Responsibilities

You agree to:

• Provide accurate, current, and complete information during the application process.
• Keep your account information secure and confidential.
• Notify us immediately of any unauthorized use of your account or suspected security breaches.

8. Termination of Services

We reserve the right to suspend or terminate your access to our website or services at our sole discretion if:

• You violate these Terms and Conditions.
• We suspect fraudulent or harmful activity associated with your account.
• You fail to meet eligibility requirements for our services.

9. Indemnification

You agree to indemnify and hold Simply Approved Mortgages, its affiliates, officers, and employees harmless from any claims, losses, damages, liabilities, costs, and expenses arising from:

• Your violation of these Terms and Conditions.
• Your use of our website or services.
• Any breach of applicable laws or regulations.

10. Dispute Resolution

Informal Resolution

In the event of a dispute, you agree to first contact us to resolve the issue informally. You can reach us at:
📧 Email: support@simplyapprovedmortgages.com
📞 Phone: 877-813-7219
📍 Address: 633 W 5th ST STE 2600
                        Los Angeles, CA 90071

Arbitration

If the dispute cannot be resolved informally, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). The arbitration will take place in the state where Simply Approved Mortgages is headquartered.

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action.

11. Contact Information

If you have questions about these Terms and Conditions, please contact us:
📧 Email: support@simplyapprovedmortgages.com
📞 Phone: 877-813-7219
📍 Address: 633 W 5th ST STE 2600
                        Los Angeles, CA 90071

12. Entire Agreement

These Terms and Conditions, along with our Privacy Policy, constitute the entire agreement between you and Simply Approved Mortgages. They supersede all prior or contemporaneous agreements, communications, and understandings.