No Bull Mortgage Legal & Regulatory

NoBullFinancial.com, and NoBullMortgage.com are wholly owned internet assets of No Bull Financial, LLC.

Please read these Terms of Service carefully, as they cover the conditions that apply to your use of this website (the "Service," "Website," or "Site"). No Bull Financial, LLC may change the Terms of Service from time to time. By continuing to use the Service following such modifications, you agree to be bound by such modifications to these Terms of Service. By accessing or using the Site, you agree to be bound by this Agreement. No Bull Financial, LLC and it's suppliers provide the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Site constitutes your agreement to al such terms, conditions, and notices. If you violate any of these terms, our permission to use the Site automatically terminates.

General Terms and Conditions

You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including, but not limited to, a computer and modem.

By using the No Bull Financial, LLC website, including any applets, software, and content contained therein, you agree that use of the Service is entirely at your own risk. THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, NO BULL FINANCIAL, LLC DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES AND (2) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER NO BULL FINANCIAL, LLC NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF NO BULL FINANCIAL, LLC, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

You agree to indemnify, defend, and hold harmless No Bull Financial, LLC, it's affiliates and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

No Bull Financial, LLC is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing at this website, and is the copyright owner or licensee of the content and/or information on this website including but not limited to any screens appearing at the Site. You may not download and/or save a copy of any of the screens except as otherwise provided in these Terms of Service, for any purpose. However, you may print a copy of the information on this Site for your personal use or records. Except as otherwise provided above, if you make other use of this Site you may not violate copyright and other laws of the United States, other countries, as well as applicable state laws, as you may be subject to severe penalties. No Bull Financial, LLC does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this website. You may not modify, copy, distribute, transmit display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. The forgoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information.

No Bull Financial, LLC reserves the right to change any information on this website including but not limited to revising and/or deleting features or other information without prior notice. Clicking on certain links within this website might take you to other websites for which No Bull Financial, LLC assumes no responsibility of any kind for the content, availability or otherwise. (See "Links from and to this Website" below.) The content presented at this Site may vary depending upon your browser limitations. You may contact our webmaster at anytime, , if you have any difficulties regarding the technical operations of our website.

No Bull Financial, LLC has no obligation to monitor the Service. However, you acknowledge and agree that No Bull Financial, LLC has the right to monitor the Service electronically from time to time to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its users. No Bull Financial, LLC will not intentionally monitor or disclose any private electronic-mail message unless required by applicable law. No Bull Financial, LLC reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate, or in violation of these Terms of Service.

Links from and to this Website:

You acknowledge and agree that No Bull Financial, LLC and any of its website co-branding partners or providers, have no responsibility for the accuracy or availability of information provided by linked sites. Links to external websites do not constitute an endorsement by No Bull Financial, LLC or its website co-branding partners or providers, of the sponsors of such sites or the content, products, advertising or other materials presented on such sites. Review their products and services carefully, Furthermore, because the No Bull Financial, LLC privacy policy is applicable only when you are on our Site, once linked to another Web site, you should read that site's privacy policy before disclosing any personal information. Their own privacy policies may be different than ours. We are not responsible for the use of the information that you give these third parties.

Information in the web pages linked to No Bull Financial, LLC's website comes from a variety of sources. Some of this information comes from official No Bull Financial, LLC licensees, but some comes from unofficial or unaffiliated organizations and individuals, both internal and external to No Bull Financial, LLC. No Bull Financial, LLC does not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that No Bull Financial, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Loan or Lender Areas of the website:

No Bull Financial, LLC reserves the right to change any information at this Site including but not limited to revising and/or deleting loan products, or loan related information as offered by participating lenders, funding sources, or other institutional investors without prior notice. The user is further advised that unless otherwise stated directly to the user, nothing contained in this website is an offer, promise or otherwise, either to make a specific loan, or that any participating funding source will make any loan, for any purpose, or on any specific terms. All loan related decisions are made by the funding source in the course of its normal business, and any applicable loan offerings are made to qualified applicants in separate loan documents, which are required by applicable state and federal laws of the United States of America. Loans may only be made to residents of states where participating funding sources are licensed or authorized to make such loans. By offering their loans on this website, those funding sources are not attempting to make loans outside their authorized states or country. No Bull Financial, LLC and its participating funding sources reserve the right to discontinue the offering of loan products in any specific state through this website. You acknowledge and agree that No Bull Financial, LLC and its participating funding sources, shall not be liable or responsible should confidential information belonging to the user be inappropriately intercepted and subsequently used by an unintended recipient.

The Terms of Service and the relationship between you and No Bull Financial, LLC shall be governed by the laws of the State of Washington without regard to its conflict of law provisions. You and No Bull Financial, LLC agree to submit to the personal and exclusive jurisdiction of the courts located within the County of King, State of Washington.

The failure of No Bull Financial, LLC to exercise or enforce any right or provision of the Terms of Service, shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. ©Copyright 2001-2005 No Bull Financial, LLC All rights reserved.

TERMS & CONDITIONS

You should assume that everything you see or read on the site is copyrighted unless otherwise noted, and may not be used except as provided in these terms and conditions, or in the text on the site without the prior written permission of No Bull Financial, LLC No Bull Financial, LLC neither warrants nor represents that your use of materials displayed on the site will not infringe on rights of third parties, not owned by or affiliated with No Bull Financial, LLC

While No Bull Financial, LLC uses reasonable efforts to include accurate and up-to-date information in the site, No Bull Financial, LLC makes no warranties or representations as to its complete accuracy. No Bull Financial, LLC assumes no liability or responsibility for any errors or omissions in the content of the site.

Your use of, and browsing in the site are at your own risk. Neither No Bull Financial, LLC or any of its agencies, nor any other party involved in creating, producing, or delivering the site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you ‘as is’ without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. No Bull Financial, LLC also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video, or audio from the site.

Notwithstanding the obvious confidentiality of your credit card and individual personal loan application data, any other communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, nonconfidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of No Bull Financial, LLC or its affiliates and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, No Bull Financial, LLC is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.

Images of people or places displayed on the site are either the property of, or used with permission by No Bull Financial, LLC The use of these images by you, or anyone else known by you, or authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The trademarks, logos, and service marks (collectively the ‘trademarks’) displayed on the site are registered and unregistered trademarks of No Bull Financial, LLC Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the prior written permission of No Bull Financial, LLC or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that No Bull Financial, LLC will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution, where applicable.

Although No Bull Financial, LLC may, from time to time, monitor or review postings, transmissions, and the like on the site, No Bull Financial, LLC is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or an material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any local, state, federal ordinance or law. No Bull Financial, LLC will cooperate fully with any law enforcement authorities or court order requesting or directing No Bull Financial, LLC to disclose the identity of anyone posting any such information or materials.

No Bull Financial, LLC may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to carefully review the then current Terms & Conditions to which you are bound.

No Bull Financial, LLC's site design, all software, animation, sound, graphics, product display, text, its engineered plug-and-play niches, and the selection and arrangement thereof are Copyright © 2001-2005 No Bull Financial, LLC ALL RIGHTS RESERVED.

Permission is granted to print product information for the sole purpose of obtaining a loan through No Bull Financial, LLC Any other use of materials on this website, including reproduction for purposes other than the one noted above, modification, distribution, or republication, without the prior written consent of No Bull Financial, LLC, is strictly prohibited.

HOME MORTGAGE DISCLOSURE ACT

Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the geographic distribution of our residential mortgage and home improvement loans. The data show geographic distribution of loans and application; race, gender and income of applicants and borrowers; and information about loan approvals and denials. You may inquire about our HMDA data by

EQUAL HOUSING OPPORTUNITY

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1998). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin (provided that the applicant has the capability to enter into a binding contract), because all of 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.

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 - FAIR LENDING NOTICE.

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one to four unit family residences occupied by the owner and for the purpose of the home improvement of any one to four unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

Department of Corporations
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105

CONSUMER CAUTION AND HOME OWNERSHIP COUNSELING NOTICE - CALIFORNIA

If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and any money you have put into it, if you do not meet your obligations under the loan. Mortgage loan rates and closing costs and fees vary based on many other factors, including your particular credit and financial circumstances, your earnings history, the loan-to-value requested, and the type of property that will secure your loan. Higher rates and fees may be justified depending on the individual circumstances of a particular consumer's application. You should shop around and compare loan rates and fees. This particular loan may have a higher rate and total points and fees than other mortgage loans and is, or may be, subject to the additional disclosure and substantive protections under Division 1.6 (commencing with Section 4970 of the Financial Code. You should consider consulting a qualified independent credit counselor or other experienced financial adviser regarding the rate, fees, and provisions of this mortgage loan before you proceed. For information on contacting a qualified credit counselor, ask your lender or call the United States Department of Housing and Urban Development's counseling hotline at 1-888-466-3487 or go to www.hud.gov for a list of counselors. You are not required to complete any loan agreement merely because you have received these disclosures or have signed a loan application. If you proceed with this mortgage loan, you should also remember that you may face serious financial risks if you use this loan to pay off credit card debts and other debts in connection with this transaction and then subsequently incur significant new credit card charges or other debts. If you continue to accumulate debt after this loan is closed and then experience financial difficulties, you could lose your home and any equity you have in it if you do not meet your mortgage loan obligations. Property taxes and homeowner's insurance are your responsibility. Not all lenders provide escrow services for these payments. You should ask your lender about these services. Your payments on existing debts contribute to your credit ratings. You should not accept any advice to ignore your regular payments to your existing creditors

EQUAL CREDIT OPPORTUNITY ACT - FAIR LENDING NOTICE

The Federal 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 Federal agency that administers compliance with this law concerning the creditor is:

Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity #4037
Washington D.C.

FAIR CREDIT REPORTING ACT NOTICE

U.S.C.1681 impacts many stages of the loan process. It requires that the ordering of a credit report be solely for the purpose of underwriting the loan or other credit or collection purposes. In underwriting the loan, it regulates the manner in which information from consumer reporting agencies is used. The act also has disclosure requirements if a loan request is denied. Lenders are required to retain adverse action disclosure statements for 25 months. Lenders who pass on information in consumer reports, or other information obtained on consumers, to third parties can inadvertently become consumer reporting agencies.

AREAS OF OPERATION

Although we are authorized to conduct business in most States, through our various internet funding partnerships; we have chosen to restrict our operations to exclude Washington D.C., Vermont, West Virginia, the U.S. Virgin Islands, Guam, and Puerto Rico in most cases. (See our map of where we make loans.)

DISCLAIMER

Any forward-looking statements about the corporation, contained in this website are based on estimates and assumptions that are subject to significant business, economic, and competitive uncertainties, many of which are beyond the Corporation's control and subject to change. These uncertainties can affect actual results, and although could cause actual results to differ materially from those expressed or implied in any forward-looking statements in this website, or other published corporate documents. You may be guided accordingly.

Links

TERMS OF SERVICE