Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website and mortgage comparison services provided by Mortgage Pipeline, LLC ("Mortgage Pipeline," "we," "us," or "our"), a company based in Fort Lauderdale, Florida.

By accessing our website at mortgagepipeline.com or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our Site or services.

1. Service Description

Mortgage Pipeline is a consumer mortgage matching service. We help borrowers compare mortgage options and connect with lending partners from our nationwide network. Our services include:

• ●A mortgage comparison application that collects your loan preferences and financial profile
• ●Matching you with one or more lending partners who can assist with your loan type (VA, FHA, conventional, refinance, cash-out, home equity)
• ●Educational content about mortgage products, rates, and the homebuying process

Mortgage Pipeline is not a lender. We do not make loan decisions, set interest rates, approve or deny applications, or charge borrowers directly. All lending decisions are made by our lending partners, who are licensed mortgage professionals in the states where they operate.

Rate quotes and loan terms displayed on our Site are for informational purposes only and are subject to change. Actual rates, terms, and eligibility will be determined by the lending partner based on your full application and financial profile.

2. Eligibility

By using our services, you represent and warrant that:

• ●You are at least 18 years of age.
• ●You are a legal resident of the United States.
• ●The information you provide in your application is accurate and complete to the best of your knowledge.
• ●You are using our services for personal, non-commercial mortgage inquiries.

3. Use of the Application

When you submit an application through our Site, you understand and agree that:

• ●Your information will be shared with one or more lending partners who may contact you about mortgage options related to your inquiry.
• ●Submitting an application does not guarantee approval for a loan or any specific rate, terms, or conditions.
• ●You are not obligated to accept any offer or proceed with any lending partner.
• ●Mortgage Pipeline does not guarantee the quality, reliability, or suitability of any lending partner or their services.

4. Rate and Financial Information Disclaimer

Interest rates, annual percentage rates (APRs), loan terms, and other financial information displayed on our Site are for illustrative and informational purposes only. They do not constitute an offer or commitment to lend, a rate lock, or a guarantee of any specific terms.

Actual rates and terms are determined by individual lending partners based on a variety of factors, including but not limited to: your credit profile, income, debt-to-income ratio, loan type, loan amount, property value, property location, and market conditions at the time of application.

Mortgage Pipeline does not guarantee that any rate, APR, or term shown on our Site will be available to you. Rates shown may not reflect all borrower costs, including points, origination fees, or other charges that affect the total cost of the loan.

All mortgage products are subject to credit and property approval. Programs, rates, terms, and conditions are subject to change without notice.

5. TCPA Consent and Communications

By submitting an application, you provide express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by Mortgage Pipeline and its lending partners by phone (including automated calls), text message, or email at the contact information you provide. This consent is documented with a timestamp.

Consent is not a condition of purchasing any goods or services. Message and data rates may apply. You may revoke your consent at any time by contacting us at the information provided below.

6. Intellectual Property

All content on our Site, including text, graphics, logos, images, and software, is the property of Mortgage Pipeline, LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our Site without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by applicable law:

• ●Mortgage Pipeline provides its matching service on an "as is" basis. We do not guarantee that any lending partner will approve your application or offer specific rates or terms.
• ●Mortgage Pipeline shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to the use of our services.
• ●Our total liability for any claim arising from these Terms or our services shall not exceed the greater of $100 or the amount, if any, you paid to Mortgage Pipeline in the twelve (12) months preceding the event giving rise to the claim.
• ●Mortgage Pipeline is not liable for the actions, decisions, or representations of any lending partner.

8. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage Pipeline, LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: (a) your use of our services; (b) your violation of these Terms; or (c) your violation of any applicable law or regulation.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Broward County, Florida.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our Site or services after any changes constitutes acceptance of the revised Terms.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Mortgage Pipeline regarding the use of our Site and services.

13. Contact Information

For questions about these Terms of Service, please contact us: