Terms of Service

These Terms of Service ("Terms") govern the use of the services provided by Novus Home Mortgage ("we," "us," or "our"), a mortgage lending company that offers various mortgage-related products and services. By accessing or using our services, including our website, mobile applications, or other products and services (collectively referred to as the "Services"), you agree to these Terms. If you do not agree to these Terms, you must not use our Services.

1. Eligibility

You must be at least 18 years of age and capable of entering into a legally binding contract to use our Services. By accessing our Services, you represent and warrant that you meet these eligibility requirements.

2. Services Offered

We offer a range of mortgage products and services, including but not limited to:

Mortgage loan origination

Refinancing services

Mortgage application processing

Home equity loans and lines of credit

Related financial advisory services

The availability of certain products or services may vary based on your location and other factors.

3. Account Registration

To access certain features of our Services, you may be required to create an account with us. You agree to provide accurate, complete, and up-to-date information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Loan Applications

When you apply for a mortgage loan through our platform, you consent to the collection, use, and sharing of your personal, financial, and credit information as necessary to process your application. You agree to provide all requested documentation truthfully and promptly.

Our approval or denial of any application is subject to our review and evaluation criteria, and does not guarantee the approval of any mortgage loan or financial product.

5. Fees and Charges

Our Services may involve certain fees, including but not limited to:

Application fees

Origination fees

Closing costs

Processing fees

Late payment fees (for loans)

The specific fees applicable to your loan or service will be disclosed to you in writing before you enter into any agreement with us.

6. Payment Terms

If you accept a loan offer from us, you agree to repay the loan in accordance with the terms outlined in your mortgage agreement. This includes paying the principal, interest, and any applicable fees by the due dates.

We may accept payments via checks, electronic transfers, or other methods as specified in your agreement.

7. Privacy and Data Protection

Your use of our Services is governed by our [Privacy Policy], which outlines how we collect, use, and protect your personal information. By using our Services, you consent to the practices described in the Privacy Policy.

8. Prohibited Activities

You agree not to:

Use our Services for any illegal or fraudulent activities.

Provide false or misleading information during the loan application process.

Violate any applicable laws, rules, or regulations while using our Services.

Any violation of these restrictions may result in the suspension or termination of your account and legal action.

9. Changes to Terms

We may update or amend these Terms from time to time, and such changes will be effective immediately upon posting on our website or notifying you directly. It is your responsibility to review these Terms periodically for any updates. Continued use of our Services after any changes indicates your acceptance of the revised Terms.

10. Termination

We may suspend or terminate your access to our Services at any time if we believe that you have violated these Terms, or for any other reason. Upon termination, any outstanding fees or amounts due under any loan agreements must still be paid.

11. Disclaimers

Our Services are provided "as-is" and "as available," and we make no warranties or representations regarding their availability, accuracy, or reliability. We disclaim any responsibility for any loss or damage that may arise from your use of our Services.

12. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages, including lost profits, loss of data, or damage to your property, arising out of or in connection with these Terms or your use of our Services.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the state of Wisconsin, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Wisconsin for any disputes arising out of these Terms or your use of our Services.