Effective date: [[FILL: effective date]]
Last updated: [[FILL: last-updated date]]
These Terms of Use (“Terms”) govern your use of americanmortgagecorporation.com (the “Site”), operated by American Mortgage Corporation, Inc. (“American Mortgage Corporation,” “AMC,” “we,” “us,” or “our”). By using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.
1. AMC Is a Mortgage Broker
AMC is a licensed mortgage broker, not a lender. We do not make credit decisions and do not fund loans. We work with consumers to find loan options and submit applications to third-party lenders. [[FILL: short description of lending partners]]
2. No Offer of Credit or Commitment to Lend
Nothing on the Site is an offer of credit, a loan commitment, a preapproval, a rate lock, or a guarantee of any kind. Submitting a form on the Site is an inquiry only; it is not a loan application and does not obligate you or AMC to anything.
All loans are subject to credit approval by the lender, as well as property appraisal, underwriting, verification of information, and the lender’s other terms and conditions. Not all applicants will qualify. Not all products are available in all states or for all property types.
3. Information Is for Education Only
Content on the Site, including articles, guides, program descriptions, examples, and calculators, is provided for general educational purposes. It is not financial, legal, tax, or investment advice and is not tailored to your situation. Please consult a qualified professional before making financial decisions.
4. No Guarantee of Rates, Approval, or Terms
Any rates, payments, fees, programs, or terms mentioned on the Site are examples or general information only. They may change at any time without notice and may not be available to you. Your actual rate, terms, and eligibility will depend on the lender and on factors such as your credit history, income, property, loan amount, and down payment. Your official loan terms will be provided in the disclosures you receive if you apply.
5. Licensing and Equal Housing Opportunity
American Mortgage Corporation, NMLS #1203481, is licensed in Illinois, Florida, and Texas. State licensing information and required consumer notices appear in the Site footer. You can verify our license at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/.
Equal Housing Opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, marital status, age, receipt of public assistance, or any other basis prohibited by law.
6. Using the Site
You may use the Site only for lawful, personal, non-commercial purposes. You agree not to:
- Provide false, misleading, or someone else’s information in any form
- Submit Social Security numbers, account numbers, or other sensitive financial information through the Site
- Use the Site to violate any law or the rights of others
- Attempt to gain unauthorized access to the Site, its servers, or its data
- Introduce viruses, malware, or other harmful code
- Scrape, copy, or harvest content or data using automated means without our written permission
- Interfere with or disrupt the Site’s operation or security
- Send spam or unsolicited messages through the Site
We may suspend or restrict access to the Site at any time, for any lawful reason, without notice.
7. Communications
If you submit a form, you agree that we may contact you about your inquiry as described in our Privacy Policy. Calls and text messages using automated technology will be made only with the consent you give through the consent checkbox on our form. Consent is not a condition of any purchase or loan.
8. Intellectual Property
The Site and its content, including text, graphics, logos, the American Mortgage Corporation name and marks, images, and design, are owned by or licensed to AMC and protected by copyright, trademark, and other laws. You may view and print pages for your personal, non-commercial use. You may not copy, modify, distribute, republish, or create derivative works from Site content without our prior written permission.
9. Third-Party Links and Services
The Site may contain links to third-party websites and services, such as lenders, government agencies, NMLS Consumer Access, and Google. We provide these links for convenience only. We do not control and are not responsible for third-party content, products, services, or privacy practices, and a link does not mean we endorse them. Your use of third-party sites is at your own risk and subject to their terms.
10. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, AMC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.
We try to keep the Site accurate and up to date, but we do not guarantee that content is complete, current, or error-free, or that the Site will be uninterrupted, secure, or free of viruses. Calculator results are estimates only.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, AMC AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR OPPORTUNITY, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Nothing in these Terms limits any right you have, or any obligation we have, under applicable consumer-protection, mortgage-lending, or other laws that cannot be waived by contract. These Terms govern use of the Site only; any loan you obtain is governed by the loan documents and disclosures you receive.
12. Indemnity
To the extent permitted by law, you agree to indemnify and hold harmless AMC and its owners, officers, employees, and agents from any claims, losses, damages, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.
13. Governing Law
These Terms are governed by the laws of the State of [[FILL: governing-law state]], without regard to its conflict-of-law rules, and applicable federal law. Any dispute relating to the Site will be brought in the state or federal courts located in [[FILL: venue county and state]], unless applicable law requires otherwise.
14. General
If any part of these Terms is found unenforceable, the rest will remain in effect. Our failure to enforce any provision is not a waiver. These Terms and our Privacy Policy are the entire agreement between you and AMC about your use of the Site.
15. Changes to These Terms
We may update these Terms from time to time. When we do, we will change the “Last updated” date above and post the revised Terms on this page. Your continued use of the Site after changes are posted means you accept the updated Terms.
16. Contact Us
Questions about these Terms? Contact us:
American Mortgage Corporation, Inc.
999 Vanderbilt Beach Road, Suite 200
Naples, FL 34108
Email: information@americanmortgagecorporation.com
Phone: 312-636-5409
Toll-free: 1-800-898-2108
NMLS #1203481 — www.nmlsconsumeraccess.org