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DISCLAIMER | Private Loan Shop
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DISCLAIMER

Effective Date: February 2014

The operator of this website facilitates connecting interested consumers with independent, third party lenders that make conditional loan offers. The information submitted by you on this website will be shared with one or more participating lenders. This loan matching service is only administrative in nature. The operator of this website is not a lender or a loan provider; is not an agent, representative, or broker thereof; and does not make loans or loan commitments, or lock rates. This website does not constitute an offer or solicitation to lend, and the information submitted by you is not an application for mortgage financing. The operator of this website is not affiliated with the government, and this service is not endorsed or sponsored by the government or any participating lender.

Participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports through alternative providers. Participating lenders may require you to pay a fee to cover the costs of any such credit check, consumer report, or other inquiry.  Conditional loan offers vary based on your financial condition and other factors, and differ between lenders.

Participating lenders may be legally required to make specific, timely disclosures to you in accordance with the Truth in Lending Act, Real Estate Settlement Procedures Act, and other federal and state laws. If a participating lender denies your credit application and that decision is based, in whole or in part, on any information contained in a credit report, you have the right to obtain, within sixty (60) days, a free copy of your credit report from the credit reporting agency that compiles and maintains files on consumers on a nationwide scale. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly.

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The operator of this website is not a party to any agreement between you and a participating lender. The participating lender is solely responsible for its services to you. The operator of this website does not endorse, recommend, or guarantee the price, product, availability, rates, or fees of participating lenders. Participating lenders may not offer all loan products, and loan products may not be available in all states. The states serviced by this Site may change from time to time, without notice.

This loan matching service and participating lenders’ services are void where prohibited. Be sure you fully understand the terms and costs of your loan. If you do not pay your loan according to its terms, your lender or mortgage servicer may charge you late or default-related fees, report your information to a consumer reporting agency (which may negatively affect your credit score), or foreclose on your property. Only your lender or mortgage servicer can provide you information about your specific loan terms and costs, and the implications of late or payment default. Please direct all such questions, comments, or concerns to your lender or mortgage servicer.

The operator of this website does not charge you a fee for any product or service. Any compensation the operator of this website may receive is paid for by participating lenders, and only for lead generation services provided. You should not be directly charged by any participating lender for the provision of such lead generation services. Notwithstanding, participating lenders may incorporate the cost of such lead generation services into the terms and costs of your loan.