Terms of Service

These Terms of Service ("Terms") govern your use of the Interest Smart Home Loans website and services. By accessing or using our services, you agree to be bound by these Terms.

Interest Smart Home Loans (NMLS #1157416) is a mortgage broker licensed in multiple states. If you do not agree to these Terms, please do not use our website or services.

Interest Smart Home Loans provides:

• Mortgage brokerage services
• Loan origination and processing
• Rate monitoring and comparison services
• Refinancing assistance
• Educational resources about mortgage products

We act as a mortgage broker and work with multiple lenders to find suitable loan products for our clients. We do not guarantee loan approval or specific interest rates.

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Use automated systems to access our website
• Interfere with the proper functioning of our website
• Violate any applicable laws or regulations

Your use of our services is also governed by our Privacy Policy. We collect, use, and share your information as described in our Privacy Policy. By using our services, you consent to such collection, use, and sharing.

When you submit a loan application through our website or services:

• You authorize us to obtain your credit report and verify your information
• You understand that loan approval is subject to lender underwriting guidelines
• Interest rates and terms are subject to change and market conditions
• All loan estimates are preliminary and subject to final lender approval
• You may be required to provide additional documentation

The information on our website is for general informational purposes only and should not be considered as financial advice. We make no representations or warranties about the accuracy, completeness, or suitability of any information.

Interest rates, loan programs, and terms are subject to change without notice. Not all borrowers will qualify for all programs. Consult with a qualified professional for personalized advice.

To the fullest extent permitted by law, Interest Smart Home Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our services.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

If you have questions about these Terms of Service, please contact us:

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on our website with a new effective date. Your continued use of our services after such changes constitutes acceptance of the new Terms.