Terms of Use — 1st Florida Lending

Regulatory and Licensing Disclosure

1st Florida Lending Corp. operates in compliance with applicable federal and state laws, including the Secure and Fair Enforcement for Mortgage Licensing Act.

1st Florida Lending Corp. and its loan originators may be licensed mortgage brokers or lenders as required by applicable state law.

Independent Entity Disclaimer

1st Florida Lending Corp. is a private entity and is not affiliated with any government agency, including the U.S. Department of Veterans Affairs, the Federal Housing Administration, or any federal or state housing authority.

For official information about VA benefits, please visit https://www.va.gov.

1. Informational Purpose Only

The content on this website is provided for general informational purposes only. It does not constitute:

Financial advice;
Legal advice;
Tax advice;
A loan commitment or approval.

You should consult qualified professionals before making financial, legal, or tax decisions.

2. No Guarantee of Loan Approval

Submitting information through this site does not:

Constitute a loan application under the Real Estate Settlement Procedures Act;
Guarantee loan approval, an interest rate, or specific loan terms;
Create a lender-borrower relationship.

Loan approval is subject to lender underwriting criteria, including creditworthiness, income verification, property eligibility, and other applicable requirements.

3. Loan Matching and Lead Distribution

By submitting your information, you expressly consent to:

Being contacted by 1st Florida Lending Corp. and participating lenders, brokers, or service providers;
Having your information shared with third-party licensed mortgage professionals for the purpose of evaluating your loan request;
1st Florida Lending Corp. receiving compensation for loan origination, marketing, or referral services where permitted by law.

Any compensation received will comply with applicable law, including Section 8 of RESPA, which prohibits illegal kickbacks and fee splitting.

4. Credit Authorization

Submitting your information does not automatically authorize a credit report request.

A credit report will be obtained only with your express written or verbal authorization and in compliance with the Fair Credit Reporting Act.
You may decline to authorize a credit check at any time.

5. Advertising and Rate Disclosures

Any loan terms, rates, or payment examples displayed on this site:

Are provided for illustrative purposes only;
Are subject to change without notice;
May not reflect current market conditions.

Actual loan terms will be disclosed by your selected lender in accordance with the Truth in Lending Act and other applicable regulations.

6. Third-Party Services

1st Florida Lending Corp. does not control third-party lenders, brokers, or service providers. Accordingly, 1st Florida Lending Corp.:

Does not endorse or guarantee any lender or financial product;
Is not responsible for the actions, services, or omissions of third-party lenders;
Does not control underwriting decisions or loan terms.

Any agreement you enter into with a lender or service provider is solely between you and that third party.

7. Communications Consent

By submitting your information, you consent to being contacted by:

Phone calls, including calls made using automated dialing systems;
Text messages, including SMS and MMS messages;
Email communications.

This consent applies even if your phone number is listed on a federal, state, or internal Do Not Call registry.

You may opt out at any time by following the instructions included in communications or by contacting us directly.

8. Data Privacy and Security

We use reasonable administrative, technical, and physical safeguards to help protect your personal information.

Please review our Privacy Policy for more information about how your data is collected, used, shared, and protected.

9. Disclaimer of Warranties

This site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied.

10. Limitation of Liability

To the fullest extent permitted by law, 1st Florida Lending Corp. shall not be liable for damages arising from your use of this site, including:

Direct, indirect, incidental, consequential, or special damages;
Loss of data, revenue, profits, or business opportunity;
Business interruption or system-related losses.

11. Dispute Resolution and Arbitration

Any dispute arising out of or relating to these Terms or your use of the site shall be resolved through binding arbitration administered by the American Arbitration Association.

Venue: Orange County, Florida.
You waive the right to a jury trial and the right to participate in a class action, to the extent permitted by law.

12. Indemnification

You agree to indemnify and hold harmless 1st Florida Lending Corp., its partners, affiliates, officers, employees, and representatives from claims, losses, liabilities, damages, costs, and expenses arising from your use of the site or violation of these Terms.