Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Cremon Mortgage Experts Corp. website, including www.cremonmortgageexperts.com, its landing pages, forms, calculators, appointment tools, communication features, and related online services.

“Cremon Mortgage Experts,” “Cremon,” “we,” “us,” or “our” means Cremon Mortgage Experts Corp. “You” or “your” means the person accessing or using the website.

By using the website, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the website.

1. Mortgage Broker Disclosure

Cremon Mortgage Experts Corp. is a licensed mortgage broker.

We arrange mortgage financing through independent third-party lenders. We do not make loans, lend our own funds, or issue the lender’s final credit or underwriting decision.

Cremon Mortgage Experts Corp.
11 Chestnut Street, Suite 6A
Andover, MA 01810

Phone: (781) 367-5059
Email: priscila@cremonmortgageexperts.com

Mortgage Broker, Massachusetts License No. MB2549058.
Priscila Cremon, Mortgage Loan Originator, NMLS #1528137.

Services are offered only in jurisdictions where Cremon Mortgage Experts and the applicable mortgage professional are properly authorized.

2. Informational Purpose

Website content is provided for general informational and educational purposes.

Nothing on the website constitutes:

• A commitment to lend;
• A guaranteed approval or preapproval;
• A final credit decision;
• A guaranteed interest rate or annual percentage rate;
• A rate lock;
• A Loan Estimate or Closing Disclosure;
• An appraisal or property valuation;
• Legal, tax, accounting, investment, or financial-planning advice;
• A guarantee that a particular lender, product, feature, or term is available.

You should consult appropriate legal, tax, accounting, insurance, or financial professionals regarding your individual circumstances.

3. Initial Reviews and Prequalification

An online inquiry, eligibility review, prequalification, estimated offer, or preliminary result may be based on limited or unverified information.

Any preliminary result:

• Is conditional;
• May change after documents or credit information are reviewed;
• May be subject to lender guidelines;
• May expire or be withdrawn;
• Is not a final approval;
• Is not a commitment to lend;
• Does not guarantee funding.

Only the applicable lender can issue a final approval, commitment, or credit decision.

4. No Commitment to Lend

Submitting a form, speaking with our team, receiving an estimated scenario, or providing documents does not obligate Cremon Mortgage Experts or any lender to approve or fund a transaction.

A mortgage or HELOC may require:

• A complete application;
• Credit authorization and review;
• Identity verification;
• Income, employment, and asset verification;
• Property and ownership review;
• Title review;
• Fraud and compliance screening;
• Valuation or appraisal;
• Underwriting;
• Satisfaction of lender conditions;
• Execution of final documents;
• Any applicable waiting or rescission period;
• Final lender approval and funding.

No oral statement or informal communication creates a binding commitment to lend.

5. Product and Program Availability

Mortgage and home-equity products are subject to applicable:

• Credit standards;
• Income and ability-to-repay requirements;
• Property value and available equity;
• Combined loan-to-value limitations;
• Property type and condition;
• Ownership and occupancy requirements;
• Lien-position requirements;
• Loan-purpose restrictions;
• State and lender restrictions;
• Underwriting guidelines;
• Market conditions;
• Federal and state law.

Not every applicant, property, occupancy type, ownership structure, loan amount, state, or use of proceeds will qualify.

Product features, lender participation, rates, fees, credit limits, draw availability, repayment terms, and funding timelines may change without notice.

6. Rates, Fees, Payments, and Illustrations

Any rate, annual percentage rate, payment, credit-line amount, savings estimate, available-equity amount, property value, fee, promotional feature, or funding timeline displayed on the website is subject to the assumptions and disclosures accompanying that statement.

Your actual terms will depend on factors that may include:

• Credit history;
• Credit score;
• Income and employment;
• Property value;
• Existing liens;
• Combined loan-to-value ratio;
• Occupancy;
• Property type;
• Requested amount;
• Lien position;
• State;
• Product structure;
• Lender guidelines;
• Market conditions.

An advertised starting rate or promotional feature is not available to every applicant and may be subject to qualifications, limitations, expiration dates, fees, or other conditions.

You should rely only on the official disclosures and agreement provided by the applicable lender for the final terms of a transaction.

7. Funding Timelines

References to approval or funding in a particular number of minutes or days describe potential results for certain qualified transactions and are not guarantees.

Timing may be affected by:

• Application completeness;
• Document availability;
• Credit or identity review;
• Income and asset verification;
• Property, title, or lien issues;
• Lender processing;
• Underwriting conditions;
• State-specific requirements;
• Weekends and holidays;
• Applicable waiting or rescission periods;
• Events outside our control.

Do not make purchases, pay contractors, enter binding agreements, or incur obligations in reliance on anticipated funds until the lender confirms that the transaction has funded and the funds are available.

8. HELOC Risks and Important Considerations

A Home Equity Line of Credit is debt secured by real property.

Failure to meet the payment and other obligations contained in the loan agreement may result in default, foreclosure, and loss of the property.

Depending on the product:

• The HELOC may create an additional monthly payment;
• The interest rate or payment may change;
• An initial draw may be required;
• Fees or closing costs may apply;
• Additional draws may have different rates or terms;
• Available credit may be reduced or suspended;
• The lender may require repayment of outstanding amounts;
• The HELOC may be recorded as a first, second, or other permitted lien.

Using home equity to pay unsecured debt converts that debt into an obligation secured by your property.

Debt consolidation may reduce a monthly payment or interest rate in some situations, but extending the repayment period may increase the total amount paid over time.

9. Use of Loan Proceeds

The website may describe potential uses of financing, such as:

• Home improvements;
• Debt consolidation;
• Education;
• Medical or family expenses;
• Business purposes;
• Real estate investments;
• Emergency expenses;
• Major purchases.

Mentioning a potential use does not mean that the use is advisable, approved, tax deductible, profitable, or permitted under every lender’s guidelines.

Cremon Mortgage Experts does not evaluate or guarantee the performance, legality, quality, profitability, or suitability of a contractor, investment, business, school, medical provider, product, or other use of proceeds.

You are responsible for independently evaluating the proposed use and complying with the lender’s agreement and applicable law.

10. Credit Reports and Verifications

These Terms do not authorize Cremon Mortgage Experts or a third party to obtain a consumer credit report.

Any soft or hard credit inquiry will require a separate authorization or other legally valid permissible purpose.

An initial review may use a soft inquiry that generally does not affect a credit score. A lender or service provider may later require a hard inquiry under a separate authorization.

We may also request separate authorization to verify identity, income, employment, assets, property ownership, bank-account information, or other application information.

11. Information You Submit

You agree that information submitted through the website or provided to our team will be accurate, current, and complete to the best of your knowledge.

You may not:

• Use another person’s identity without authorization;
• Misrepresent property ownership or occupancy;
• Misrepresent income, employment, assets, debts, credit, or loan purpose;
• Submit altered, fabricated, or fraudulent documents;
• Conceal material information;
• Interfere with verification or underwriting;
• Use the website to commit fraud or violate any law.

You are responsible for informing us promptly of material changes to information previously provided.

False or misleading information may result in termination of our services, denial or withdrawal of a loan decision, lender or regulatory reporting, and civil or criminal consequences.

12. Information About Other People

You may provide information about a co-borrower, property owner, spouse, business partner, or other person only when you have lawful authority or permission to do so.

Each person may be required to independently provide information, authorize a credit inquiry, acknowledge disclosures, and sign application or closing documents.

13. Telephone, SMS, WhatsApp, and Email Communications

When you request contact and provide contact information, we may respond regarding your inquiry through the communication methods you select or use to contact us.

Cremon Mortgage Experts SMS Program

When you separately and expressly opt in to the Cremon Mortgage Experts SMS Program, you agree to receive SMS or MMS messages from Cremon Mortgage Experts Corp. regarding your inquiry, mortgage or HELOC options, qualification follow-up, appointments and reminders, document or application updates, transaction status, customer service, and, when separately authorized, marketing.

Messages may be sent using automated technology. Message frequency varies. Message and data rates may apply. Consent to receive SMS or MMS messages is not a condition of applying for or obtaining any mortgage product or service.

Reply STOP to opt out of SMS or MMS messages at any time. After you send STOP, you may receive one final confirmation message, and no further SMS or MMS messages will be sent unless you opt in again. You may reply START to opt in again.

Reply HELP for help, call Cremon Mortgage Experts at (781) 367-5059, or email priscila@cremonmortgageexperts.com.

Wireless carriers are not liable for delayed or undelivered messages.

Your information will be handled according to our Privacy Policy. Mobile phone numbers, SMS opt-in data, and messaging consent will not be shared with third parties or affiliates for their marketing or promotional purposes.

Cremon Mortgage Experts WhatsApp Program

When you separately and expressly opt in to the Cremon Mortgage Experts WhatsApp Program, you agree to receive informational and marketing messages from Cremon Mortgage Experts Corp. via WhatsApp regarding your inquiry, pre-approval request, mortgage or HELOC options, qualification follow-up, appointments and reminders, document or application updates, transaction status, customer service, and mortgage products or services.

Messages may be sent using automated technology. Message frequency varies. Data rates may apply. Consent to receive WhatsApp messages is not a condition of applying for or obtaining any product or service.

WhatsApp consent is separate and independent from SMS consent. Opting in to WhatsApp does not opt the user in to SMS, and opting in to SMS does not opt the user in to WhatsApp.

The user may opt out of WhatsApp messages at any time by replying STOP or requesting not to receive further WhatsApp messages. After opting out, no additional WhatsApp messages will be sent unless the user separately opts in again.

Information collected through the WhatsApp Program will be handled in accordance with our Privacy Policy. Mobile phone numbers, WhatsApp opt-in data, and messaging consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. These Terms of Service govern participation in the WhatsApp Program.

For WhatsApp or email communications, you may request that we stop communicating through that channel by contacting us or using any available unsubscribe method.

These Terms do not independently constitute consent to receive marketing calls or messages made with technology for which separate written consent is required by law.

14. Electronic Documents and Signatures

Certain transactions may be conducted electronically.

Where legally required, you will receive a separate electronic-delivery or electronic-signature consent explaining:

• Hardware and software requirements;
• How to access and retain electronic records;
• How to request paper copies;
• How to withdraw consent;
• Any consequences of withdrawing consent.

These Terms do not replace any separate electronic-consent disclosure required for mortgage or credit documents.

15. Third-Party Lenders and Services

Our website or team may connect you with independent:

• Mortgage lenders;
• Credit-report providers;
• Income and asset-verification providers;
• Identity-verification providers;
• Loan-processing platforms;
• Document and electronic-signature services;
• Title, settlement, appraisal, and insurance providers;
• Real estate professionals;
• Other transaction participants.

Third parties may have their own terms, privacy policies, eligibility requirements, fees, and security practices.

Except to the extent required by law, Cremon Mortgage Experts does not control or guarantee a third party’s:

• Credit or underwriting decision;
• Rate, fee, or product terms;
• Processing or funding timeline;
• Website or platform;
• Service quality;
• Availability;
• Error, omission, or conduct.

Your final loan relationship will be governed by the lender’s agreements and disclosures.

16. Calculators and Estimates

Any website calculator, equity illustration, payment example, chart, comparison, or estimate is for educational purposes only.

Results may rely on assumptions and may not include all:

• Interest;
• Fees;
• Closing costs;
• Taxes;
• Insurance;
• Existing liens;
• Assessments;
• Repayment conditions;
• Lender requirements.

Calculator results are not an appraisal, payoff statement, credit decision, Loan Estimate, or financial plan.

17. Permitted Use of the Website

You may use the website only for lawful purposes.

You may not:

• Attempt unauthorized access to a system or account;
• Introduce malicious software or code;
• Interfere with website operation;
• Circumvent security measures;
• Scrape or harvest information through unauthorized automated means;
• Submit fraudulent inquiries or applications;
• Impersonate another person;
• Use the website to send spam;
• Misuse our content, trademarks, forms, systems, or branding;
• Violate another person’s rights or applicable law.

We may restrict access when we reasonably believe the website has been misused.

18. Intellectual Property

The website and its content, including text, graphics, logos, photographs, videos, forms, designs, software, and branding, are owned by or licensed to Cremon Mortgage Experts and are protected by applicable law.

You may view or print limited portions for personal, noncommercial use.

You may not reproduce, modify, publish, distribute, sell, license, commercially exploit, or create derivative works from website content without prior written permission.

19. Website Availability

We may update, modify, suspend, or discontinue any portion of the website.

We do not guarantee that:

• The website will always be available;
• All content will always be current or error-free;
• Communications will be uninterrupted;
• Every inquiry will receive an immediate response;
• A product or feature will remain available.

We may correct errors and update product information without prior notice.

20. Disclaimer of Warranties

To the fullest extent permitted by law, the website is provided on an “as is” and “as available” basis.

We do not make warranties regarding the website’s continuous availability, accuracy, completeness, security, merchantability, fitness for a particular purpose, or noninfringement.

Nothing in these Terms excludes a right or warranty that cannot legally be excluded.

21. Limitation of Liability

To the fullest extent permitted by law, Cremon Mortgage Experts and its owners, officers, employees, and representatives will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from:

• Use or inability to use the website;
• Reliance on general website information;
• Website interruption or error;
• Unauthorized access outside our reasonable control;
• A lender’s decision;
• A third party’s actions;
• Changes in market rates or product availability;
• A delayed, denied, or unsuccessful transaction;
• A contractor, investment, purchase, or other use of proceeds.

This section does not limit liability that cannot lawfully be limited, including obligations imposed by applicable mortgage, privacy, fair-lending, credit-reporting, or consumer-protection law.

22. Indemnification

To the extent permitted by law, you agree to be responsible for claims or losses arising from your:

• Unlawful use of the website;
• Material violation of these Terms;
• Submission of fraudulent or unauthorized information;
• Infringement of another person’s rights.

This provision does not require you to indemnify Cremon Mortgage Experts for its own violation of law, gross negligence, or willful misconduct.

23. Privacy

Our collection, use, retention, and disclosure of personal information are described in our Privacy Policy.

Separate financial privacy notices, credit authorizations, electronic consents, and lender disclosures may apply.

When a transaction-specific document conflicts with these general Terms, the transaction-specific document will control for the matter it addresses.

24. Governing Law

Except where federal law applies or another jurisdiction’s law is required, these Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-law principles.

Nothing in these Terms restricts a nonwaivable consumer right or the right to contact a government agency or regulator.

25. Severability and No Waiver

If a provision of these Terms is determined to be unenforceable, it will be enforced to the maximum extent permitted or modified as necessary, and the remaining provisions will remain effective.

Our failure to enforce a provision does not waive the right to enforce it later.

26. Changes to These Terms

We may revise these Terms periodically.

Updated Terms will be posted with a revised “Last Updated” date and will become effective when posted unless otherwise stated.

Your continued use of the website after updated Terms become effective constitutes acceptance of the updated Terms.

27. Contact Us

Questions concerning these Terms may be directed to:

Cremon Mortgage Experts Corp.
11 Chestnut Street, Suite 6A
Andover, MA 01810

Phone: (781) 367-5059
Email: priscila@cremonmortgageexperts.com

Mortgage Broker, Massachusetts License No. MB2549058.
Priscila Cremon, Mortgage Loan Originator, NMLS #1528137.