SBB Mortgage Group Terms and Conditions
Welcome to SBB Mortgage Group. These Terms and Conditions (“Terms”) govern your use of all our services, from initial consultation to loan processing. By accessing or using our services, you agree to be bound by these Terms. Our goal is to be completely transparent, so we ask that you read them carefully, as they outline your rights, your obligations, and the scope of our partnership.
Our Services: Guiding Your Path to Homeownership
As dedicated mortgage brokers, we offer a range of services designed to help you achieve your property goals in Florida. We specialize in finding the best financing solution for you, with a focus on:
We assist in evaluating your eligibility, processing your application, and securing funding through our network of lending partners.
The Application and Approval Process
Eligibility Requirements
To use our services, you must be at least 18 years of age and have the legal capacity to enter into binding agreements. By applying for a loan with us, you warrant that all information you provide is true, complete, and accurate.
Your Loan Application
You agree to provide complete and accurate information regarding your income, employment, credit history, and financial status. This information is crucial for assessing your eligibility and determining loan terms.
Final loan approval is not guaranteed and is subject to the lender’s final credit review and underwriting. We reserve the right to decline any application if eligibility criteria are not met or if discrepancies are found in the provided information.
Our Commitment to Fee Transparency
Transparency is a key part of our process. All applicable fees related to your loan will be disclosed to you upfront. These may include, but are not limited to:
Please be aware that some fees may be non-refundable.
Understanding Interest Rates and Terms
Interest rates and loan terms are dependent on multiple factors, such as your credit score, financial history, loan amount, and market conditions. Therefore, they are subject to change without notice and may vary based on the final lender’s guidelines.
Regulatory Compliance and Your Privacy
Our Commitment to the Law
SBB Mortgage operates in strict compliance with all federal and state regulations, including:
Your Privacy and Data Security
Your trust is our priority. We are committed to protecting your personal information. By using our services, you consent to our collection and use of your personal data (such as your Social Security number and financial information) in accordance with our Privacy Policy. Your data will only be shared with third parties when strictly necessary to process your mortgage application.
Limitation of Liability and Dispute Resolution
Our Role and Limitations
To the fullest extent permitted by law, SBB Mortgage shall not be liable for any direct or indirect damages arising from the use of our services, including processing delays, changes in interest rates, or decisions made by third-party lenders.
Dispute Resolution
Any disputes arising from these Terms will be governed by the laws of the State of Florida. You agree to submit any disputes to binding arbitration in Miami, Florida, in accordance with the rules of the American Arbitration Association (AAA).
Indemnification
You agree to indemnify and hold harmless SBB Mortgage, its affiliates, and employees from any claims or expenses arising from your use of our services, your violation of these Terms, or any fraud or negligence on your part.
Amendments to These Terms
We reserve the right to update these Terms at any time. If we make changes, we will post the updated Terms on our website. Your continued use of our services following such changes constitutes your acceptance of the new Terms.