Table Of Contents

1. TERMS OF USE AGREEMENT FOR ALL SERVICES AND THE WEBSITES

Problem Solving Mortgages, LLC requires that you carefully read, understand and agree to the following Terms and Conditions contained in this Terms of Use Agreement ("Agreement"). By accessing, browsing or using this website, and the websites of the below listed companies, divisions or service groups, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see sections 8 and 15). These provisions form an essential basis of our bargain.

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites. For purposes of this Agreement, "You" or "Your" means the person(s) using the Websites, and/or the goods, facilities or services of Problem Solving Mortgages, LLC (“Site” and/or “Services”) and its companies offered through alternative methods, including persons that allow others to provide information about themselves to Problem Solving Mortgages, LLC (as defined below), the banks, lenders, financial institutions, providers, real estate companies, and brokers on Problem Solving Mortgages’ network ("Lenders"), Providers (as defined in sections 4 and 5), auto dealers (as defined in section 4(d)), partners (as defined in sections 4 and 5), or real estate companies (as defined in section 6). "Problem Solving Mortgages", "us" or "we" means, but is not limited to the following entities:

  • Problem Solving Mortgages, Inc.
  • Problem Solving Mortgages, LLC
  • LT Real Estate, Inc.
  • Problem Solving Mortgages, LLC d/b/a Problem Solving Lenders
  • Problem Solving Lenders
  • Credit Solving Lenders
  • Income Solving Lenders
  • Credit Solving Mortgages

Problem Solving Mortgages, LLC is licensed as set forth in the Licenses and Disclosures section, which is incorporated into this Agreement by reference.

THE DISCLOSURES AND CONSENT REQUIRED UNDER CERTAIN STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY USE OF THE WEBSITES.

Problem Solving Mortgages, LLC (hereinafter “Problem Solving Mortgages”) operates the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the good, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes. By accessing this Site you agree to be bound by these Terms of Use. The Site is intended for individuals who are at least 18 years of age and reside in the United State and the District of Columbia. If you are under 18 years of age or reside outside of the United States or the District of Columbia, you should not be visiting this Site or utilizing Problem Solving Mortgages, LLC’s Services.

2. CONSUMER INFORMATION SECURITY POLICY

The Problem Solving Mortgages Consumer Information Security Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Websites, received directly from you or transmitted to or from third parties.

3. MORTGAGE LOAN REQUEST SERVICES

Problem Solving Mortgages offers two mortgage loan request services via one hybrid form, each of which is explained in more detail below.

The first service option is the Problem Solving Mortgages process that occurs when you complete a traditional (long-form which means you provide your Social Security Number (SSN) after agreeing to the full Electronic Consent and these Terms of Use and the above Privacy Policy) request and get matched with Lenders, Brokers, or Partners who may respond with conditional loan offers posted back to your My Problem Solving Mortgages Account.

The second service option is Problem Solving Mortgages’ GoldQuest® & FastForms service (commonly referred to as “short form” wherein you do not provide your Social Security Number after agreeing to the full Electronic Consent and these Terms of Use and the above Privacy Policy), which you may either (i) select prior to completing the long-form loan request or (ii) directly select. If you select the GoldQuest®service, we will match you with Lenders, Brokers or Partners (hereinafter collectively Lenders) on Problem Solving Mortgages’ FastForm® network using a subset of the information contained on the Problem Solving Mortgages form request. Because these matches are generated from a subset of information from the form request, the Lenders on the FastForm® network will not be able to respond with customized conditional offers until they speak with you to get additional information. GoldQuest short form matches are not available for all loan programs.

A. Terms Applicable to All Mortgage Loan Inquiry Services

Problem Solving Mortgages is an Online Loan Marketplace that enables consumers to comparison shop for mortgage loan products, and is required to be licensed as a Mortgage Broker. Problem Solving Mortgages DOES NOT take formal mortgage applications (commonly referred to as Form 1003) since it does not ever ask consumers to provide any information relating to their income or debt. Problem Solving Mortgages DOES NOT make loans or credit decisions in connection with loans, nor does Problem Solving Mortgages issue commitments or lock-in agreements. Problem Solving Mortgages’ services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You will have to complete a formal application with the Lender you choose before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not Problem Solving Mortgages, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. Problem Solving Mortgages does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses section of the Websites), Problem Solving Mortgages is not an acting as your agent or as the agent of any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial situation. The Lender is solely responsible for its services to you, and you agree that Problem Solving Mortgages shall not be liable for any damages or costs arising out of or in any way connected with your use of its Services. You understand that Lenders may keep your loan request information and any other information provided by Problem Solving Mortgages, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications from them. In addition, the information you provide Problem Solving Mortgages is required to be housed and securely maintained for State Record Retention requirements and cannot be removed, purged, or destroyed until the expiration of the individual state prescribed period. Lenders may also from time-to-time be required to share your completed Loan information with Problem Solving Mortgages in order to adhere to State Record Retention requirement, and for internal marketing and analytics, you are providing express written consent for the retention of the same upon completion of an inquiry form for Problem Solving Mortgages and the selected Lender to share this information for this purpose.

The Websites and the Services provided by Problem Solving Mortgages are available in connection with mortgage loans made on real property located in the fifty states and the District of Columbia unless otherwise specified. Loans may only be made to residents of, or secured by real property located in, states where Lenders are licensed or authorized to make such loans. Lenders are not attempting to make loans outside of their authorized states or country by participating in and offering their products on the Websites. Problem Solving Mortgages Lenders expressly reserve the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the Websites at any time, without prior notice.

The data and other information you may provide Problem Solving Mortgages is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified (unless participating in the Pre-Qualification/Dream Home Companion Product) or any similar concept. Problem Solving Mortgages does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any Lender; loan approval standards are established and maintained solely by individual Lenders. Likewise, Problem Solving Mortgages does not guarantee that the loan terms or rates offered and made available by Lenders are the best terms or lowest rates available in the market. Problem Solving Mortgages’ Network of Lenders is vast, but does not represent all potential Lenders in your area. You are free to select one or up to six (6) Lenders to speak with to shop and compare your mortgage product, but you may also choose none and compare additional local Lenders who may in fact have better and/or lower products, rates, and terms. A Lender's offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Lenders may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including, but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. Lenders may not offer all products as well as not offer products in all states.

You might not be matched with the Lender making any specific offer. Problem Solving Mortgages will continue to attempt to match you for up to twenty-four hours for online matches, and may contact you via telephone at the number you provided to attempt to help you obtain a match. If you are called, you will be given a choice of up to three (3) Lenders from which you will have to select on your own. The Call Center Representative cannot and will not select a Lender for you and all Lenders listed will be continually shuffled (round-robin) based on state, time of day, caps, volume requested etc. in order to attempt to provide you with the most opportunities to obtain a match and shop and compare your loan product via multiple Lenders.

Problem Solving Mortgages may perform a soft pull of credit regardless if you provide your SSN or not. In order to help the government fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Problem Solving Mortgages and its Lenders may obtain, verify and record information that identifies each person who opens an account with us and them. Problem Solving Mortgages and its Lenders may ask for your name, Social Security Number, address, telephone number, date of birth and other important information including, but not limited to information received from your credit file, that will allow us and them to properly identify you. It is possible that a Lender may perform a soft inquiry on your credit at the same time for the same or similar purposes, but the soft inquiry into your credit does not impact your credit score. Not all lenders will receive your Social Security Number and, for those that do, not all will perform the soft inquiry of credit. During the Lender application process, they may also ask to see your driver’s license or other identifying documentation to further properly identify you; in addition the Lender will be required to do a hard inquiry of your credit that will impact your credit score.

Problem Solving Mortgages is paid a marketing match fee by Lenders for the goods, facilities and services provided. Lenders are not to directly charge you for any such marketing match generation fee. Depending on the Lender, the marketing match fee is paid by the Lender and may be included in your rate, points or loan terms. Problem Solving Mortgages strongly encourages and requests such fees not be passed onto you; however, it is without the authority to enforce the same. If you do in fact close a loan with a Problem Solving Mortgages network Lender, or any other Lender you choose, at closing you will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).

Problem Solving Mortgages does not charge you a fee for its service in matching you with Lenders, as such no such fee will be reported on your final Loan Estimate (formerly GFE) or your Loan Closing Statement (formerly HUD-1) pursuant to the new TILA-RESPA Rules effective August 1, 2015.

When you complete an inquiry form online, by clicking on any button indicating an acceptance, acknowledgement or agreement to terms, a continuance of processing or submission ("submission") you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Problem Solving Mortgages which will match you to up to six (6) Lenders to whom your loan request and personal information is transmitted. If you do not receive any matches, Problem Solving Mortgages will continue to try to find you matches for similar mortgage products for which you sought as well as alternative products, for example if you sought a home equity loan or home equity line of credit, but are also over the age of 62 then Problem Solving Mortgages may match you for a reverse mortgage lender for a Home Equity Conversion Mortgage. Similarly, if you indicated that you are looking to remodel a home you are purchasing, Problem Solving Mortgages will continue to try to assist you in finding a lender that is seeking consumers like you and offers multiple products such as a 203K, jumbo loans, etc. While Problem Solving Mortgages is not making a credit decision or determining products for you, rather lenders select filters from the questions you answer and believe that they may be able to assist you with your mortgage needs.

You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications ("Disclosures and Communications") in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications From Problem Solving Mortgages, and its Network Lenders. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that Problem Solving Mortgages, and one or more of its Lenders with whom you are matched, may access your credit file even if your Social Security Number is not provided (via a soft inquiry of credit) to perform its anti-money laundering due diligence and/or for other reasons in compliance with other federal regulations. In addition, upon clicking any button indicating acceptance, acknowledgment or agreement to these and other terms, you have received and reviewed and, where applicable, signed the necessary required Problem Solving Mortgages State Specific Broker Agreement. By submitting the loan inquiry online you are in effect providing your electronic signature, you are extending an express invitation for up to six (6) Lenders you may be matched with to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from Lenders or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you are providing express written consent that Problem Solving Mortgages, a Lender with whom you have been matched or an associated third party (Partner) may use an automatic dialing system or by pre-recorded message in connection with calls made to any telephone number you entered, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call.

By saving your information with Problem Solving Mortgages or by completing a loan inquiry you give Problem Solving Mortgages permission to retain all information you submitted for the prescribed State Specific Record Retention period and to make live, manually dialed, automatic dialed or pre-recorded calls, emails, direct mailing or other communication to discuss, provide or remind you of any information in relationship to your submission, including incomplete loan inquiry, the delivery of loan request matches, deadlines, quality of services or other matters in connection with your loan inquiry. For any service, you represent that all of the information you have provided in your submission and loan inquiry is true, accurate and complete to the best of your knowledge.

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Problem Solving Mortgages Customer Service at 1-888-778-9785 or by emailing customercare@problemsolvingmortgages.com.

When you "submit" information, create an account or otherwise register for services through Problem Solving Mortgages and its Companies’ website or otherwise, you hereby understand and agree that you have established a business relationship between you and Problem Solving Mortgages, which is the owner of this site. Accordingly, Problem Solving Mortgages, LLC and/or its Companies may send your information to its affiliates, Lenders/Partners as provided in the Privacy Policy. In addition, you agree that Problem Solving Mortgages may contact you using information you provided with information and offers of services available through Problem Solving Mortgages and the Websites. You hereby provide express written consent to any such communication or phone calls even if your phone number is on any Do Not Call list, federal, state or corporate. You also agree that calls may be placed live, by automatic dialing, and/or by pre-recorded message. Charges may apply to a mobile phone if that is the number you provided. Communications may also be by email, direct mail, and/or text message. If at any time you do not wish to continue to receive communications from Problem Solving Mortgages, LLC or its Companies’ or its affiliates’ communications. In addition, you agree to notify Problem Solving Mortgages Customer Care at 1-888-778-9785 or by emailing privacy@problemsolvingmortgages.com directly if you no longer want to receive other forms of communications from us.

B. Traditional (Long-Form) Inquiry Service (Loan Inquiries with Social Security Number Provided)

Problem Solving Mortgages seeks to provide you multiple conditional loan offers through its network of nonaffiliated Lenders, Brokers and/Partners to enable you to comparison shop for mortgage loan products. By submitting the long-form inquiry form (which means you provided your Social Security Number), you authorize Problem Solving Mortgages to provide information provided by you or third parties either to Lenders on the Problem Solving Mortgages network, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry or to provide you with additional services. You also authorize Problem Solving Mortgages, its Lenders, along with any additional Lenders, Brokers, Partners or investors necessary to complete your loan transaction, to request from one or multiple soft inquiries to the necessary credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate to the best of your knowledge. Not all lenders will perform this soft inquiry, nor will all lenders be passed the Social Security Number you have submitted on the inquiry form.

By clicking "submit" (or any button indicating acceptance) you are certifying that all of the information you have provided in your loan inquiry is true, accurate and complete to the best of your knowledge. While Problem Solving Mortgages only performs a “soft inquiry” and other partners may perform the same soft inquiry, it will not impact your score according to Fair Isaac Corporation (the company that provides "FICO" credit scores). http://www.myfico.com/crediteducation/questions/inquiry-credit-score.aspx

If you complete multiple applications you will likely have several hard inquiries on your credit report/score. However, FICO reports that, for mortgage, student loans, credit cards or auto loans, it disregards multiple inquiries prior to the completion (or closing) of the loan and it consolidates these types of credit checks as a single inquiry. FICO considers all inquiries within a 45 day period for a mortgage, auto or student loan as a single inquiry.

Lenders will require additional information prior to providing an actual offer. In these situations, the Lender(s) will contact you directly to discuss your loan request and to discuss the specific terms of your offer(s). By submitting the long-form Problem Solving Mortgages loan inquiry form, if that process results in you closing a loan you agree to provide information about that resulting loan to Problem Solving Mortgages, including but not limited to a CLOSING DISCLOSURE OR HUD-1 settlement statement, and you authorize Problem Solving Mortgages Network Lender(s), to provide that information to Problem Solving Mortgages on your behalf. Certain state regulations require that Problem Solving Mortgages know the disposition of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other pertinent loan file information in order to adhere to Record Retention requirements. NOTE: You are providing express written consent for Problem Solving Mortgages and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes. Problem Solving Mortgages Network of Lenders. Problem Solving Mortgages seeks to provide you multiple conditional loan offers through its network of nonaffiliated Lenders (U.S. based banks, thrifts, mortgage brokers, mortgage bankers and finance companies).

To determine which Lenders may be matched with you, Lenders provide to Problem Solving Mortgages criteria about the type of loan (for example, loan amount; whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or self-identified credit score band) in which the Lender is interested. Problem Solving Mortgages will provide your information to up to six (6) Lenders whose criteria match your profile. If fewer than six Lenders match your profile, you will receive conditional loan offers from fewer than six Lenders. You authorize Problem Solving Mortgages to simultaneously submit a loan inquiry to its FastForm® network (Lenders, Broker or Finance Companies that have chosen not to select consumers based on the consumer providing their Social Security Number) if Problem Solving Mortgages cannot match you with six Lenders who make you conditional loan offers. Problem Solving Mortgages will attempt to match you with Lenders that can make conditional loan offers first then use its FastForm® network using the process described in the section below entitled "GoldQuest®Services".

C. GoldQuest® and FastForm® Loan Request Services (Loan Inquiries with no Social Security Number Provided)

By submitting the shorter Problem Solving Mortgages GoldQuest® and FastForm® loan inquiry form, you authorize Problem Solving Mortgages to provide your information to up to six (6) Lenders. The Lenders in this program will be on Problem Solving Mortgages’ GoldQuest®network (GoldQuest® and FastForm® are services offered by Problem Solving Mortgages).

In the GoldQuest®process, you may be given the option to provide your Social Security Number and have conditional offers forwarded to you. The Lenders you are matched with may later require a Social Security Number to proceed with your formal loan application. Not all lenders will perform a soft inquiry of credit without your Social Security Number, but Problem Solving Mortgages and its Network of Lenders may perform a soft inquiry of your credit in relationship to your loan inquiry. Problem Solving Mortgages does so to verify your identity and to adhere to the Anti-Money Laundering Requirements established by Federal regulations.

If you elect this option, you authorize Problem Solving Mortgages to provide to Lenders information that you provided or that Problem Solving Mortgages has (except Problem Solving Mortgages will not transmit any soft inquiry credit information it obtained in either the long or short form inquiry and instead Problem Solving Mortgages only transmits the self-identified information you enter into the inquiry form to the Lenders) or that Problem Solving Mortgages may receive, to up to six (6) Lenders, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry and to obtain Problem Solving Mortgages online loan marketplace matching Services, on the Problem Solving Mortgages GoldQuest®network. You also authorize GoldQuest® and FastForm® and their Lenders, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry, to request from one or multiple credit bureaus /reporting agencies via a soft inquiry, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate. Not all lenders participate in the soft inquiry of credit, nor will all lenders be passed the Social Security Number you have submitted on the inquiry form.

By clicking "submit" (or any button indicating acceptance) you are certifying that all of the information you have provided in your loan inquiry is true, accurate and complete to the best of your knowledge. While Problem Solving Mortgages only performs a “soft inquiry” and other partners may perform the same soft inquiry, it will not impact your score according to Fair Isaac Corporation (the company that provides "FICO" credit scores). http://www.myfico.com/crediteducation/questions/inquiry-credit-score.aspx

If you complete multiple applications you will likely have several hard inquiries on your credit report/score. However, FICO reports that, for mortgage, student loans, credit cards or auto loans, it disregards multiple inquiries prior to the completion (or closing) of the loan and it consolidates these types of credit checks as a single inquiry. FICO considers all inquiries within a 45 day period for a mortgage, auto or student loan as a single inquiry.

Lenders will require additional information prior to providing an actual offer. In these situations, the Lender(s) will contact you directly to discuss your loan request and to discuss the specific terms of your offer(s). By submitting the short form Problem Solving Mortgages loan inquiry form, if that process results in you closing a loan you agree to provide information about that resulting loan to Problem Solving Mortgages, including but not limited to a CLOSING DISCLOSURE OR HUD-1 settlement statement, and you authorize Problem Solving Mortgages Network Lender(s), to provide that information to Problem Solving Mortgages on your behalf. Certain state regulations require that Problem Solving Mortgages know the disposition of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other pertinent loan file information in order to adhere to Record Retention requirements. NOTE: You are providing express written consent for Problem Solving Mortgages and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.

D. Mobile Application Loan Request Service

Problem Solving Mortgages seeks to provide you multiple conditional loan offers through its network of nonaffiliated lenders. The lenders in this program will be on Problem Solving Mortgages’ mobile network and may not be shown on Problem Solving Mortgages’ Lender Partner List. Any inquiry form filled out on a mobile phone, mobile device, or on any Problem Solving Mortgages mobile App are handled the same way as the Long and Short Form inquiries described above.

By submitting the mobile loan inquiry form you authorize Problem Solving Mortgages to match you with up to six (6) lenders each of whom may return multiple loan product offers, on average consumers can receive 30 conditional loan offers from up to six (6) Lenders. Once presented with your lenders and loan offers, Lenders will begin to call you; however, you may request that a lender contact you at another number or via another means of communication. If you wish for a lender to cease calling and competing for your business, you should reach out directly to the lender and request that your inquiry be removed from consideration and to place you on their internal Do-Not-Call List.

You authorize the lenders, along with any additional lenders, Brokers, Partners or investors necessary to complete your loan inquiry to call you at the number provided by live, automated dialing or pre-recorded message even if you are on a Do-Not-Call List. If you provided a mobile number charges may apply. If you provided an email address, Problem Solving Mortgages, the Lenders, Brokers, Partners, or investors will send you communications electronically until you opt out from the same.

If you provide additional personally identifiable information to the Lender they may do either a soft or hard inquiry into your credit to complete your formal loan application, which means the lender, but not all lenders participate, may request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to verify that your request is true and accurate to the best of your knowledge.

By clicking "submit" (or any button indicating acceptance) you are certifying that all of the information you have provided in your loan inquiry is true, accurate and complete to the best of your knowledge. While Problem Solving Mortgages only performs a “soft inquiry” and other partners may perform the same soft inquiry, it will not impact your score according to Fair Isaac Corporation (the company that provides "FICO" credit scores). http://www.myfico.com/crediteducation/questions/inquiry-credit-score.aspx

If you complete multiple applications you will likely have several hard inquiries on your credit report/score. However, FICO reports that, for mortgage, student loans, credit cards or auto loans, it disregards multiple inquiries prior to the completion (or closing) of the loan and it consolidates these types of credit checks as a single inquiry. FICO considers all inquiries within a 45 day period for a mortgage, auto or student loan as a single inquiry.

Lenders will require additional information prior to providing an actual offer. In these situations, the Lender(s) will contact you directly to discuss your loan request and to discuss the specific terms of your offer(s). By submitting the long-form Problem Solving Mortgages loan inquiry form, if that process results in you closing a loan you agree to provide information about that resulting loan to Problem Solving Mortgages, including but not limited to a Closing disclosure or HUD-1 settlement statement, and you authorize Problem Solving Mortgages Network Lender(s), to provide that information to Problem Solving Mortgages on your behalf. Certain state regulations require that Problem Solving Mortgages know the disposition of the inquiry, resulting loan product offered, rate, APR, Loan Amount and other pertinent loan file information in order to adhere to Record Retention requirements. NOTE: You are providing express written consent for Problem Solving Mortgages and the selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.

selected Lender to share this private personally identifiable information for these purposes, litigation, regulatory request(s), law enforcement requests, internal analytics and/or for marketing purposes.

4. COPYRIGHT, TRADEMARK AND SERVICE MARK NOTICES

All contents of the Websites are: Copyright © 2018 Problem Solving Mortgages, and/or its suppliers, Lenders, or Providers, 14 Christopher Mills Dr., Mt. Laurel, NJ 08054, U.S.A. All rights reserved. Problem Solving Mortgages is a registered trademark of Problem Solving Mortgages, LLC. Other product and company names mentioned herein, including the names of Lenders, may be the trademarks of their respective owners.

Nothing on the Websites should be construed as granting, by implication, estoppel or otherwise, any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Websites, without the prior written permission of the Problem Solving Mortgages or the applicable Mark holder specific for each such use. The Marks may not be used to disparage Problem Solving Mortgages, the Lenders, the applicable third party or the products or services of such parties, nor shall they be used in any manner that may damage any goodwill in the Marks. Use of any Mark as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by Problem Solving Mortgages in writing.

The Websites contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of the Websites are copyrighted as a collective work under the United States copyright laws. Problem Solving Mortgages owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works or in any way exploit, any of the content, in whole or in part. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of downloaded material will be permitted without the express written permission of Problem Solving Mortgages and the copyright owner. Elements of the Websites are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors.

5. DISCLAIMERS AND LIABILITY

Problem Solving Mortgages intends that the information contained in the Websites be accurate and reliable; however, errors sometimes occur. The information is provided as a service to the general public over the age of eighteen and is subject to change without prior notice. In addition, changes and improvements to the information provided herein and are provided "as-is" without warranty of any kind, implied, expressed or otherwise. Under no circumstances will Problem Solving Mortgages be liable for any loss or damage caused by your reliance on information obtained through the Websites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Websites.

THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". PROBLEM SOLVING MORTGAGES AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS OR DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR PROBLEM SOLVING MORTGAGES’ SERVICES IS AT YOUR OWN RISK. PROBLEM SOLVING MORTGAGES AND/OR ITS SUPPLIERS, LENDERS OR PROVIDERS 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 THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR PROBLEM SOLVING MORTGAGES’ SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAILS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO PROBLEM SOLVING MORTGAGES RECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PROBLEM SOLVING MORTGAGES AND/OR ITS SUPPLIERS, PROVIDERS OR REAL ESTATE COMPANIES HAVE 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.

6. ELECTRONIC COMMUNICATIONS/NOTICES AND INFORMATION DELIVERED ELECTRONICALLY

Problem Solving Mortgages, Lenders, Providers and real estate companies may choose to electronically deliver all information related to its services and your requests. Problem Solving Mortgages, Lenders, Providers and real estate companies' electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of Problem Solving Mortgages, Lenders, Providers and real estate companies. You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with Problem Solving Mortgages, Lenders, Providers and real estate companies. This means that Problem Solving Mortgages, Lenders, Providers and real estate companies may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from Lenders, Providers and real estate companies or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.

You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Problem Solving Mortgages Customer Service at 1-888-778-8733 or by emailing customercare@problemsolvingmortgages.com.

7. PRIVACY POLICY

The Problem Solving Mortgages Privacy Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Websites or received directly from you.

8. INDEMNITY

As a condition of use of the Websites and/or Problem Solving Mortgages’ services, you agree to indemnify Problem Solving Mortgages and its suppliers, Lenders or Providers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

9. LIMITATION ON DAMAGES

In no event will Problem Solving Mortgages have any liability to you in excess of actual compensatory damages. You irrevocably waive any claim to consequential, punitive or exemplary damages.

10. LINKS TO THIRD PARTY WEBSITES

The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Problem Solving Mortgages does not operate or control in any respect any information, software, products or services available on such websites. Problem Solving Mortgages’ inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you leave the Websites please note that Problem Solving Mortgages is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs available through that website.

11. ERRORS AND DELAYS

Problem Solving Mortgages is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

12. DISPUTE RESOLUTION

Any claim or controversy arising out of or relating to the use of the Websites, to the goods or services provided by Problem Solving Mortgages, or to any acts or omissions for which you may contend Problem Solving Mortgages is liable, including but not limited to any claim or controversy as to arbitrability ("Dispute"), shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the Supplementary Procedures for Consumer Related Disputes of the American Arbitration Association ("AAA") dated September 15, 2005. The arbitration shall be venued in consumer location reasonably convenient to the consumer. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the parties shall agree on an arbitrator mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration under these Terms of Use, the parties shall jointly select another arbitrator. In the event the parties are unable to agree on a neutral arbitrator, the claimant may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in Section 5 of the Federal Arbitration Act. To begin the arbitration process, a party must make a written demand therefor. Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise. THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND PROBLEM SOLVING MORTGAGES WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, and the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Problem Solving Mortgages’ goods, facilities and services, you consent to these restrictions.

Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Problem Solving Mortgages, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Burlington County, New Jersey. If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees.

13. OTHER TERMS

This Agreement (which hereby incorporates by reference any other provisions applicable to use of the Websites, including, but not limited to, any supplemental terms governing the use of certain specific material contained in the Websites and any operating rules for the Websites established by Problem Solving Mortgages) constitutes the entire agreement between you and Problem Solving Mortgages and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Problem Solving Mortgages with respect to the Websites and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of New Jersey, excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

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