Please read these terms, conditions and disclaimers carefully.  By accessing this web site, you agree to be bound by all of these terms and conditions.

Use of this Web Site
Although this site is intended to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors.  From time to time changes may be made to the content of this site without notice.  The products, services, and any other information described on this site may change at any time.  The information published on this site is provided as a convenience to visitors and is for informational purposes only.  You should verify all information before relying on it and decisions based on information contained in this site are your sole responsibility.

This site is controlled and monitored from the United States of America and no representation is made that materials are appropriate or available for use in other locations.  If you use this site from other locations, you are responsible for compliance with applicable local laws.

All of the information on this web site, including all images, is copyrighted material of Residential Finance Corporation, or its parent, subsidiary or affiliate entities, except as otherwise indicated.  You may not copy, download, republish, distribute or reproduce any of the information contained on this web site in any form without the prior consent of Residential Finance Corporation unless otherwise indicated.

Links to this web site are not permitted without the prior consent of Residential Finance Corporation.

User Representations
ResidentialFinance.com is established for the sole use of adults, and may not be used by children.  Residential Finance Corporation does not wish to use ResidentialFinance.com to obtain any information about children or to market any mortgage or other product to children.  You represent and warrant that you are at least 18 years of age and that you possess the legal right and ability to enter into this Agreement and to use ResidentialFinance.com in accordance with this agreement.

Except for the submission of a mortgage application, ResidentialFinance.com is intended for personal, noncommercial use. You agree that any submission of a mortgage application to Residential Finance Corporation through ResidentialFinance.com has the same legal effect as if you personally signed and submitted a written application.  You may only use ResidentialFinance.com to submit legitimate mortgage applications and shall not use ResidentialFinance.com to make any speculative, false or fraudulent mortgage applications.  It is a violation of law to submit a mortgage application in a false name or with false or misleading information.  Please be aware that even if you do not give us your real name, your web browser transmits a unique Internet address that can be used by law enforcement officials to identify you.  Information regarding fraudulent users will be forwarded to law enforcement authorities for possible prosecution.

Products and Services
The products and services referred to in this web site are offered by or through Residential Finance Corporation or its parent, subsidiary or affiliate entities. The products and services and the applicable terms and conditions may change at any time.  There may be eligibility requirements for these products and services and they may not be available in all geographic areas.

Other Sites
This site contains links to other sites on the Internet.  These links are provided for your convenience.  Links to another site do not constitute approval or endorsement of that site or its products or advertisements.

Exclusion of Warranties
No warranties or representations are made as to the accuracy or completeness of the information contained on this web site.  This information and the products and services are provided "as is" "as available" without any warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability
Neither Residential Finance Corporation nor any of its parent, subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if advised of the possibility) arising in any way from the information contained in this web site.  None of these entities shall be liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this web site.

E-mail
Messages that you send to us by e-mail may not be secure.  We recommend that you do not send any confidential information to us by e-mail.  If you choose to send any confidential information to us via e-mail, you agree to accept the risk that this information may be intercepted by a third party.

These terms and conditions may be modified at any time by revising this page without notice to you.

• Alaska #AK1652
• Alabama #21483 and MBL#21025
• Arkansas #101062
• Arizona #BK-0905843
• California Finance Lenders Law License #6039726
• Colorado Mortgage Broker License #100029775 Check license status of your loan originator at www.dora.state.co.us/real-estate/index.htm
• Connecticut #12900
• Delaware Chp 22 Licensed Lender #011831
• District of Columbia #NMLS1652
• Florida #MLD167
• Georgia #19399
• Hawaii #HI-1652
• Illinois #MB 0005562
• Indiana DFI #16242
• Kentucky #MC82945
• Louisiana #1652
• Maine Supervised Lender # SLM12522
• Maryland #11143
• Massachusetts #ML1652
• Michigan 1st & 2nd FL4201 & SR 0010569
• Minnesota #MN-MO-02049502
• Mississippi #1652 Licensed by the MS Dept of Banking & Consumer Finance
• New Jersey Licensed by the N.J. Dept. of Banking & Insurance, NJ Correspondent Mortgage Banker & Secondary Mortgage Loan Licensee #9945825
• New Mexico #03691
• New York Licensed Mortgage Banker-NYS Banking Dept. #B500784
• North Carolina #L-139845
• Ohio #MB802662.000
• Oregon #ML-5063
• Pennsylvania Licensed by the PA Dept. of Banking PA Mortgage Lender License #22135
• South Carolina #MLS-1652
• Tennessee #109200
• Texas, SML #45235 (17330 Preston Road, Suite 160B, Dallas TX 75252)

  CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

• Virginia, Licensed by the VA State Corporation Commission MC 3003
• Utah DRE Mtg Entity #8404312
• Washington Consumer Loan Company CL-1652 WA Master Business License #602403652
• Wisconsin #21906BA and #1652BR