Effective Date, Insert Date
These Terms of Use govern your access to and use of https://merchomeloans.com, referred to as the “Website.”
The Website is operated for Jim Mercantini, NMLS ID 75243, a loan officer with PRMG. In these Terms of Use, “Jim Mercantini,” “we,” “us,” and “our” refer to Jim Mercantini in connection with mortgage related services provided through PRMG.
By accessing or using this Website, you agree to these Terms of Use. If you do not agree, do not use this Website.
This Website provides general information about mortgage products, home loan options, loan officer services, and related educational content.
The Website is intended to help visitors request information, contact Jim Mercantini, and begin a mortgage related conversation.
The Website does not provide legal, tax, financial planning, real estate, or investment advice.
Jim Mercantini
Loan Officer with PRMG
NMLS ID, 75243
Business Address, 401 Grace St, Smithfield, VA, 23430
Phone, +1 757-553-6972
Email, JMercantini@prmg.net
Website, https://merchomeloans.com
Use of this Website does not create a loan approval, preapproval, loan commitment, rate lock, underwriting decision, or guarantee of financing.
Submitting a form, calling, emailing, texting, or communicating through the Website does not guarantee that you qualify for a loan.
Loan approval is subject to formal application, verification of information, credit review, income review, asset review, property review, underwriting, investor requirements, program availability, and applicable laws.
Any loan terms discussed are subject to change until properly locked, disclosed, approved, and documented through the required mortgage process.
Mortgage information on this Website is for general informational purposes only.
Any examples of rates, payments, loan amounts, down payments, fees, savings, or loan options are illustrative unless expressly stated otherwise.
Actual rates, payments, fees, loan terms, and qualification requirements depend on factors such as credit profile, income, assets, debt, property type, occupancy, loan program, loan amount, market conditions, and underwriting guidelines.
Mortgage advertising must not misrepresent credit terms or include misleading claims. Regulation Z addresses advertising of consumer credit terms, and Regulation N covers mortgage advertising practices.
The Website provides mortgage related information, but it does not provide legal, tax, accounting, financial planning, investment, insurance, or real estate advice.
You should consult qualified professionals for advice regarding your legal, tax, financial, investment, insurance, or real estate situation.
You must be at least 18 years old to use this Website or submit information through the Website.
By using the Website, you represent that you are legally able to submit your information and use mortgage related services.
When you submit information through the Website, email, phone, text, or other communication method, you agree that the information provided is accurate, current, and complete.
You agree not to submit false, misleading, fraudulent, unauthorized, or unlawful information.
You are responsible for the accuracy of information you submit. Inaccurate or incomplete information affects mortgage discussions, loan options, eligibility review, and communications.
Website forms send information by email and store information in Google Sheets.
By submitting a form, you agree that your submitted information is transmitted through Website form systems, email systems, and Google Sheets for review and response.
Do not submit highly sensitive documents or confidential financial records through a general Website form unless instructed to do so through a secure process.
Sensitive mortgage documents should be submitted through secure loan application or document systems where available.
By submitting your phone number, email address, or other contact information, you authorize Jim Mercantini, PRMG, and service providers acting on their behalf to contact you regarding your inquiry, mortgage options, appointment requests, loan related communications, or services.
Contact includes phone calls, emails, and text messages.
Message and data rates apply for text messages.
You have the right to opt out of marketing emails by using the unsubscribe link where provided or by contacting JMercantini@prmg.net.
You have the right to opt out of marketing texts by replying STOP where available.
Opting out of marketing communications does not stop transactional, service related, security related, compliance related, or application related communications.
Your use of the Website is also governed by the Privacy Policy for https://merchomeloans.com.
The Privacy Policy explains how personal information is collected, used, stored, disclosed, and protected.
Because mortgage services involve nonpublic personal information, financial privacy and data security obligations apply where required. The FTC Safeguards Rule requires covered financial institutions to maintain measures designed to protect customer information.
This Website uses Google Analytics, Google Ads, Meta Pixel, cookies, pixels, tags, and similar tracking technologies.
These tools help measure website traffic, understand visitor behavior, track advertising performance, improve campaigns, and support relevant advertising.
Your use of the Website is subject to the Website’s Privacy Policy and any applicable cookie or tracking disclosures.
You are able to manage cookies through browser settings and advertising preferences through Google, Meta, and other platform settings.
Information submitted through this Website is not sold as a lead to outside companies.
Information is used to respond to your inquiry, provide mortgage related assistance, support communications, operate the Website, measure advertising, maintain records, comply with law, and protect against fraud or unauthorized activity.
Information is shared where needed with PRMG, mortgage related service providers, technology providers, regulators, or other parties as described in the Privacy Policy.
You agree to use the Website only for lawful purposes.
You agree not to:
Use the Website for fraudulent activity.
Submit false or misleading information.
Attempt unauthorized access to Website systems.
Interfere with Website security or operation.
Copy, scrape, harvest, or extract Website data without permission.
Use automated bots, scripts, or tools to overload or abuse the Website.
Upload malicious code, viruses, or harmful files.
Use the Website to violate any law or third party right.
The Website, including text, design, graphics, logos, images, layout, videos, forms, and other content, is owned by or licensed to Jim Mercantini, PRMG, or their respective content providers.
You receive a limited, nonexclusive, revocable permission to access and use the Website for personal, noncommercial, informational purposes.
You may not copy, reproduce, modify, distribute, publish, sell, or exploit Website content without written permission, except as allowed by law.
The Website links to or integrates with third party websites, platforms, advertising services, analytics tools, social media platforms, mortgage systems, or other outside services.
Third party websites and services have their own terms, privacy policies, and security practices.
We are not responsible for third party websites, services, content, policies, security practices, or availability.
Accessing third party links is at your own risk.
We strive to keep the Website available and functional.
The Website is provided on an “as is” and “as available” basis.
We do not guarantee uninterrupted access, error free operation, current availability, compatibility with every device, or complete security of Website communications.
The Website, forms, pages, features, and content are subject to change without prior notice.
We work to provide accurate and useful information.
Website content might contain errors, omissions, outdated information, or typographical mistakes.
Mortgage programs, rates, fees, terms, eligibility rules, and market conditions change.
You should contact Jim Mercantini directly to confirm current mortgage information.
To the fullest extent permitted by law, the Website and Website content are provided without warranties of any kind.
We disclaim warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, noninfringement, security, and error free operation.
Nothing on the Website guarantees loan approval, loan terms, rate availability, payment amount, program eligibility, closing timeline, or savings.
To the fullest extent permitted by law, Jim Mercantini, PRMG, Website providers, service providers, affiliates, employees, agents, and representatives are not liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from use of the Website.
This includes damages related to Website access, Website unavailability, form errors, transmission issues, third party services, inaccurate information submitted by users, advertising tools, analytics tools, or reliance on Website content.
Some states do not allow certain limitations of liability, so parts of this section might not apply to every user.
You agree to defend, indemnify, and hold harmless Jim Mercantini, PRMG, service providers, affiliates, employees, agents, and representatives from claims, damages, losses, liabilities, costs, and expenses arising from:
Your use of the Website.
Your violation of these Terms of Use.
Your submission of false, misleading, unauthorized, or unlawful information.
Your violation of any law or third party right.
Your misuse of Website content, forms, systems, or communications.
Mortgage services are provided subject to applicable fair lending, equal credit opportunity, and housing laws.
No information on the Website is intended to discourage any person from applying for credit on a prohibited basis.
Loan availability and eligibility are subject to applicable laws, investor guidelines, underwriting standards, and program requirements.
Mortgage licensing and loan officer authority vary by state.
Information on the Website is not an offer to lend in any jurisdiction where such offer is not permitted.
Services are offered only where properly licensed or otherwise authorized.
State licensing disclosures should be added to the Website where required.
By using the Website or submitting information electronically, you agree to receive communications electronically where permitted by law.
Electronic communications include emails, Website form responses, text messages, electronic disclosures, and other digital communications.
Certain mortgage disclosures or notices might require separate consent, identity verification, or delivery through secure systems.
You agree not to attempt to bypass security controls, test system vulnerabilities, interfere with Website operations, access restricted systems, or misuse Website forms.
Unauthorized access or misuse is prohibited and subject to legal action.
We update these Terms of Use from time to time.
Updated Terms are posted on this Website with a revised effective date.
Your continued use of the Website after updated Terms are posted means you agree to the updated Terms.
We reserve the right to suspend, restrict, or terminate access to the Website at any time if we believe a user violated these Terms, misused the Website, submitted fraudulent information, created security risks, or violated applicable law.
These Terms of Use are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law rules, unless another law is required to apply.
Before filing a legal claim related to the Website, you agree to contact us and attempt to resolve the issue informally.
Contact:
Jim Mercantini
401 Grace St, Smithfield, VA, 23430
Phone, +1 757-553-6972
Email, JMercantini@prmg.net
Nothing in this section limits rights that are not waivable under applicable law.
If any part of these Terms of Use is found invalid or unenforceable, the remaining sections remain in effect.
These Terms of Use, together with the Website Privacy Policy and any applicable mortgage disclosures, form the agreement governing your use of the Website.
For questions about these Terms of Use, contact:
Jim Mercantini
Loan Officer with PRMG
NMLS ID, 75243
401 Grace St, Smithfield, VA, 23430
Phone, +1 757-553-6972
Email, JMercantini@prmg.net
Website, https://merchomeloans.com