Effective Date: January 1, 2024

These Terms and Conditions (“Terms”) govern your use of the services provided by Premier Point Mortgage (“we,” “us,” “our”). By accessing or using our website, services, forms, or communication tools, you agree to be bound by these Terms. If you do not agree, do not use our site or services.

1. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a U.S. resident or legal entity
• Have the capacity to enter into binding agreements

2. Mortgage Applications

Completing a pre-approval or loan application does not guarantee final loan approval. All loans are subject to:

• Full underwriting
• Creditworthiness
• Verification of financial documents
• Compliance with federal, state, and investor guidelines

3. Loan Rates and Terms

Rates, fees, and terms are subject to change based on:

• Market conditions
• Credit profile
• Loan type and amount
• Property type

No loan is final until locked and confirmed in writing.

4. Fees and Disclosures

Premier Point Mortgage will provide a Loan Estimate (LE) and Closing Disclosure (CD) per federal regulations. These documents outline:

• Interest rates
• Loan terms
• Estimated closing costs

5. Mobile Communication and SMS Consent

By providing your mobile number, you consent to receive SMS messages from Premier Point Mortgage for business-related purposes.

Message and data rates may apply.

SMS Terms & Conditions

1. SMS Consent Communication: We do not share phone numbers collected through SMS consent for marketing with any third party.

2. Types of SMS Communications: By opting in, you may receive:

• Updates on current business activity
• Replies to customer service or loan-related inquiries

3. Message Frequency: Messages may be sent on a case-by-case basis depending on activity or updates.

4. SMS Charges: Standard text message and data rates may apply. Charges depend on your mobile carrier plan.

5. Opt-In Methods: You may opt in by submitting your phone number through our secure online form at: https://premierpointmortgage.com/contact-us/

6. Opt-Out Methods: Reply “STOP” to any message to unsubscribe. You can also contact us directly for assistance.

7. Help: Reply “HELP” to any SMS message for assistance or visit our contact page or call us at (866) 203-9613

8. Additional Notes:

• Message and data rates may apply.
• You can opt out at any time.
• Visit our Privacy Policy or Terms of Use for more information.

6. Third-Party Services

We are not responsible for the actions or content of third parties linked on our website or involved in loan processing (e.g., appraisers, title companies).

7. Intellectual Property

All content, logos, tools, and materials are the property of Premier Point Mortgage and may not be copied or reused without written consent.

8. Limitation of Liability

We are not responsible for:

• Delays in processing due to user errors or missing documents
• Service interruptions
• External service provider failures

9. Termination

We reserve the right to terminate or restrict your access to services at our discretion for any reason, including violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of New Jersey. Any disputes shall be resolved in the courts of Union County, NJ.

11. Updates to Terms

We may revise these Terms at any time. Continued use of our services constitutes agreement to the updated Terms.

12. Contact Information

Premier Point Mortgage
990 Raritan Rd
Clark, NJ 07060
Email: homes@premierpointmortgage.com
Phone: (866) 203-9613