%20(1).png)
Effective Date: September 25, 2026
These Terms of Use govern your access to and use of https://merchomeloans.com/, referred to in these Terms as the "Website."
The Website is operated by Mercantini Lending Team, powered by Envoy Mortgage, and provides general mortgage information, educational resources, and a way for consumers to contact Jim Mercantini, Mortgage Loan Originator.
By accessing or using the Website, you agree to these Terms of Use. If you do not agree with these Terms, please do not use the Website.
The Website provides general information about mortgage products, home financing options, loan programs, mortgage services, and related educational topics.
Information on the Website is provided for general informational and educational purposes. It is not intended to provide individualized financial, tax, legal, accounting, investment, or real estate advice.
Jim Mercantini
Mortgage Loan Originator
Mercantini Lending Team
Powered by Envoy Mortgage
NMLS #2598961
Phone: 757-553-6972
Email: jim.mercantini@envoymortgage.com
Website: https://merchomeloans.com/
Envoy Mortgage, Ltd. is the mortgage company through which lending services are provided and is identified as NMLS #6666. Envoy Mortgage's corporate NMLS identifier is separate from Jim Mercantini's individual NMLS identifier.
Information provided through the Website does not constitute a loan approval, preapproval, loan commitment, rate lock, underwriting decision, guarantee of financing, or commitment to lend.
Submitting an inquiry, contacting the team, requesting information, or completing a form does not guarantee that you will qualify for a mortgage or any particular loan program.
Loan approval and loan terms are subject to applicable eligibility requirements, documentation, underwriting, property requirements, credit approval, program guidelines, and other applicable conditions.
Mortgage information provided on the Website is for general educational purposes.
Any examples involving mortgage rates, payments, loan amounts, down payments, closing costs, fees, savings, or other financial figures are illustrative unless expressly stated otherwise.
Actual mortgage rates, payments, fees, loan terms, eligibility requirements, and program availability may vary based on factors including credit profile, income, assets, property characteristics, occupancy, loan amount, loan program, market conditions, underwriting requirements, and other factors.
Rates, fees, terms, programs, and other information may change without notice.
Any calculator, payment estimate, or other financial illustration provided through the Website is an estimate for educational purposes and should not be considered a Loan Estimate, rate quote, or commitment to lend.
The Website provides general mortgage-related information.
Nothing on the Website should be interpreted as legal, tax, accounting, financial planning, investment, insurance, or real estate advice.
You should consult an appropriately qualified professional regarding matters requiring professional advice.
By using the Website, you represent that you are legally permitted to use the Website under applicable law.
The Website is intended for adults and is not directed toward children.
When you submit information through a Website form, email, telephone call, text message, or other communication method, you agree that the information you provide should be accurate and complete to the best of your knowledge.
You agree not to knowingly submit false, fraudulent, misleading, unauthorized, unlawful, or malicious information.
You are responsible for information you voluntarily submit through the Website.
Information submitted in connection with a mortgage inquiry or application may be subject to additional privacy, security, licensing, and regulatory requirements applicable to Envoy Mortgage and the mortgage transaction.
The Website may provide forms or other methods for requesting information or contacting the Mercantini Lending Team.
Information submitted through Website forms may be transmitted to systems or service providers used to receive, process, store, or respond to your inquiry.
Do not submit Social Security numbers, passwords, bank account numbers, tax returns, complete financial records, or other highly sensitive information through a general Website form or ordinary email unless you are specifically instructed to use an appropriate secure system.
Mortgage applications and sensitive financial information should be submitted through secure systems or processes authorized for that purpose.
By voluntarily providing your telephone number, email address, or other contact information, you authorize Mercantini Lending Team and applicable service providers to contact you regarding your inquiry, requested information, mortgage-related services, appointments, or other communications you have requested.
Communications may include telephone calls, emails, and text messages where permitted by applicable law and based on the nature of your request or applicable consent.
Marketing communications may be subject to separate consent and opt-out requirements.
For information concerning how personal information submitted through the Website is collected and used, please review the Website's Privacy Policy.
Your use of the Website is also subject to the Privacy Policy published on this Website.
The Privacy Policy explains information that may be collected through the Website, how that information may be used, and certain circumstances in which information may be shared.
Information collected in connection with an actual mortgage application or financial relationship may also be subject to Envoy Mortgage's separate privacy disclosures and applicable federal and state requirements.
The Website may use cookies, analytics tools, advertising technologies, and similar technologies to support Website functionality, understand Website traffic, measure marketing performance, and improve the user experience.
These technologies may include services provided by third parties.
Your use of these technologies may be subject to the privacy policies and terms of the applicable third-party providers.
For additional information, please review the Website's Privacy Policy.
The Website and its content, including text, graphics, logos, images, videos, design elements, layout, forms, and other materials, are owned by or licensed to Mercantini Lending Team, Jim Mercantini, Envoy Mortgage, or applicable third-party providers, unless otherwise stated.
You may access and use Website content for your personal, noncommercial informational purposes.
You may not copy, reproduce, modify, distribute, publish, sell, create derivative works from, or otherwise exploit Website content without appropriate authorization, except where permitted by applicable law.
The Website may contain links to or integrations with third-party websites, platforms, services, applications, analytics providers, social media platforms, mortgage systems, government websites, or other third-party resources.
Third-party websites and services operate under their own terms, privacy policies, and security practices.
Mercantini Lending Team is not responsible for the content, availability, privacy practices, security practices, or policies of third-party websites or services.
Your use of third-party websites or services is at your own discretion and subject to the applicable third party's terms and policies.
We make reasonable efforts to keep the Website available and functioning.
However, we do not guarantee that the Website will always be available, uninterrupted, error-free, secure, or compatible with every device, browser, or technology.
The Website, its features, content, and functionality may be modified, suspended, or discontinued at any time.
We make reasonable efforts to provide useful and accurate information.
However, Website content may contain errors, omissions, outdated information, or typographical mistakes.
Mortgage programs, rates, terms, eligibility requirements, fees, underwriting standards, and market conditions may change.
You should confirm current mortgage information and applicable requirements with a qualified mortgage professional before relying on it for a specific transaction.
You agree not to use the Website to:
You agree not to attempt to bypass security controls, test Website vulnerabilities without authorization, interfere with Website systems, or access restricted areas of the Website.
Unauthorized access, misuse of Website systems, and attempts to compromise Website security may violate applicable law.
To the fullest extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.
We do not guarantee the accuracy, completeness, reliability, timeliness, availability, suitability, or fitness of Website content for a particular purpose.
Nothing on the Website guarantees loan approval, mortgage rates, loan terms, program eligibility, closing timelines, payment amounts, savings, or financing availability.
To the fullest extent permitted by applicable law, Jim Mercantini, Mercantini Lending Team, Envoy Mortgage, and applicable service providers, affiliates, employees, agents, and representatives will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of the Website.
This limitation applies to the fullest extent permitted by applicable law and does not limit liability that cannot legally be excluded or limited.
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Jim Mercantini, Mercantini Lending Team, Envoy Mortgage, and applicable service providers, affiliates, employees, agents, and representatives from claims, damages, liabilities, costs, and expenses arising from:
Mortgage lending services are provided subject to applicable federal and state fair lending, equal credit opportunity, and housing laws.
Nothing on the Website is intended to discriminate against any person or group protected by applicable law.
Loan availability, eligibility, underwriting, and pricing are subject to applicable laws, loan program requirements, investor guidelines, and underwriting standards.
Mortgage licensing, loan availability, and applicable requirements vary by state.
Information on the Website is not an offer to provide mortgage services in a jurisdiction where such services are not permitted.
Mortgage services are subject to applicable state licensing requirements and other regulatory requirements.
Licensing information and disclosures may be provided through the appropriate regulatory and licensing resources.
By using the Website or submitting information electronically, you acknowledge that communications may be provided electronically where permitted by applicable law.
Electronic communications may include emails, Website form responses, text messages, electronic disclosures, and other digital communications.
Certain mortgage disclosures or notices may require separate consent, identity verification, or delivery through secure systems.
We may update these Terms of Use from time to time.
When changes are made, the Effective Date at the beginning of these Terms will be updated.
Your continued use of the Website after updated Terms are posted constitutes your continued use of the Website subject to the updated Terms, to the extent permitted by applicable law.
We reserve the right to restrict, suspend, or terminate access to the Website if we believe a user has violated these Terms, misused the Website, submitted fraudulent information, attempted to compromise Website security, or otherwise used the Website in a manner that may violate applicable law.
These Terms are governed by applicable laws of the Commonwealth of Virginia, without regard to conflict-of-law principles, except where applicable federal or other governing law requires otherwise.
Before pursuing a legal claim relating specifically to the Website, you are encouraged to contact us and provide an opportunity to address the issue informally, except where applicable law provides otherwise or makes this provision unenforceable.
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by applicable law.
These Terms of Use, together with the Website's Privacy Policy and any applicable mortgage disclosures or other agreements governing a specific transaction or service, constitute the terms governing your use of the Website.
Nothing in these Website Terms replaces or modifies the terms of a mortgage application, Loan Estimate, Closing Disclosure, promissory note, security instrument, or other legally binding mortgage document.
For questions about these Terms of Use, contact:
Jim Mercantini
Mortgage Loan Originator
Mercantini Lending Team
Powered by Envoy Mortgage
NMLS #2598961
Phone: 757-553-6972
Email: jim.mercantini@envoymortgage.com
Website: https://merchomeloans.com/