This website is owned and operated by LP Financial Inc. dba loanprofessors.com (hereinafter referred to as “LP”), 6320 Canoga Ave, Ste 210, Woodland Hills, CA 91367.
PRODUCT AND SERVICE DESCRIPTIONS
LP attempts to be as accurate as possible. However, the information contained in this website is for general information purposes only and LP does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.
ACCESSING THE WEBSITE
LINKS TO THIRD PARTY CONTENT
APPLICATION OF ADDITIONAL TERMS
By providing us with your telephone contact information, you are giving us written consent to receive SMS communications (text messages) from us and our subsidiaries/vendors/affiliates. If you consent to messaging notifications, you are authorizing LP, our subsidiaries/vendors/affiliates, assigns, successors, or servicing agents to send SMS Notifications (as defined below) to any phone number provided to us, our assigns, successors, or service agents in relation to your account, application, loan, and closing. For purposes of this text messaging disclosure, “SMS Account Notifications” means any SMS (text message) communications from us to you regarding your account or loan transaction, sent to the phone number provided in connection with this transaction. Such communications may include, but are not limited to, information related to application processing status, account information, loan information, information requests, document requests, due dates, delinquent accounts, closings, and program updates. The receipt of SMS Account Notifications is free of any service fees. However, you will be responsible for any charges associated with text messaging imposed by your communications service provider. Please refer to your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will be reflected on your phone bill. The frequency of the messages will depend on the status of your account or settings. We reserve the right to modify or terminate our text messaging services at any time, with or without notice, for any reason, and without liability to you. To unsubscribe from receiving SMS Account Notifications, you can reply with the word “STOP” or call us at 800-653-8987 at any time. Please note that it may take us a reasonable period of time to process your withdrawal request, and your withdrawal will only be effective after we have done so.
As you proceed with your mortgage application, you may need to provide certain information to us. We want to clarify that we do not claim ownership of the materials you share with us, whether it be feedback, suggestions, posts, uploads, inputs, or any other information submitted to LP or any of its vendors/lenders (collectively referred to as “Your Information”). However, by posting, uploading, inputting, providing, or submitting Your Information, you are granting us and any vendors necessary for the course of your transaction permission to use Your Information to fulfill your request for services. This permission includes allowing us to copy, distribute, transmit, publicly display (excluding your non-public personal information), reproduce, edit, translate, and reformat Your Information. It is important to note that specific terms and conditions provided on the web page describing a particular feature or offer may supersede this provision.
CONSENT TO EMPLOYMENT VERIFICATION
By providing us with your employment information you are providing written consent permitting us and/or our vendors to contact third parties as necessary to verify your income and employment.
Using our services does not guarantee that you will qualify for a loan, that we will be able to connect you with a specific lender or any lender, or that you will be approved for a loan in a specific amount. To assess your eligibility for a loan, LP will require certain historical and financial information from you, which we may share with potential lenders. By providing your responses to such information, you acknowledge and agree that we may use and perform such information to request one or more credit reporting agencies and/or other eligibility verification agencies or services (each referred to as a “Credit Check Agency”) to perform a credit check, income verification, and/or employment verification (collectively known as a “Credit Report”). Your Credit Report may be used to verify your eligibility for the loan you applied for and to confirm your identity to prevent fraudulent transactions in your name.
SHARING OF INFORMATION WITH LENDERS.
DISCLAIMER OF WARRANTIES AND CONDITIONS
The information contained in this website is for general information purposes only. It is believed to be reliable, but LP does not warrant its completeness, timeliness, or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. You expressly understand and agree that to the fullest extent permitted by law, your use of LP is at your sole risk, and services are provided on an “as is” and “as available” basis, with all faults. LP Parties expressly disclaim all warranties, representations, and conditions of any kind, whether express or implied, including, but not limited to, the implied warranties or conditions of merchantability, fitness for a particular purpose and non-infringement arising from use of the website or services. LP parties make no warranty, representation, or condition that: (1) LP will meet your requirements; (2) your use of LP services will be uninterrupted, timely, secure, or error-free; or (3) the results that may be obtained from use of LP services will be accurate or reliable. The services may be subject to delays, cancellations, and other disruptions. LP makes no warranty, representation, or condition with respect to services, including but not limited to, the quality, effectiveness, reputation, and other characteristics of services. No advice or information, whether oral or written, obtained from LP will create any warranty not expressly made herein.
NO LIABILITY FOR CONDUCT OF THIRD PARTIES
You acknowledge and agree that LP parties are not liable, and you agree not to seek to hold LP Parties liable, for the conduct or information of third parties, including lenders, including any failure by a lender to provide a particular rate. We are not liable for the accuracy or quality of any third-party services or information, including but not limited to multiple listing services and/or third-party mortgage pricing engines.
REVIEWS, COMMENTS, EMAILS AND OTHER CONTENT
Visitors are allowed to post reviews, comments, and other content, as well as submit suggestions, ideas, comments, questions, or other information, as long as the content is legal and not offensive or harmful to others. The content must not violate intellectual property rights, privacy, or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or spam. You must not use a false email address, impersonate any person or entity, or mislead as to the origin of the post, comment, or content. While LP reserves the right to remove or edit any content, it does not regularly review posted content. By posting or submitting material, you grant LP a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works, distribute, and display the content throughout the world in any media. You also grant LP the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or control all the rights to the content you post, that the content is accurate, does not violate this policy, and will not cause injury to any person or entity. You will indemnify LP Parties for any and all claims resulting from content you supply. LP has the right, but not the obligation, to monitor and edit or remove any activity or content. LP is not responsible or liable for any content posted by you or any third party.
This Agreement constitutes the entire agreement between you and LP governing your use of the website and supersedes any prior and contemporaneous agreements between you and LP with respect to the subject matter above.