Welcome to O1ne Mortgage Inc. These Terms of Service (“Terms”) govern your use of our mortgage lending services, website, and any related offerings provided by O1ne Mortgage Inc. (“O1ne,” “we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our services.
1. Services Provided
O1ne Mortgage Inc. offers a range of mortgage lending services, including but not limited to:
- Pre-approval and loan application processing
- Mortgage loan origination and underwriting
- Loan servicing and management
- Mortgage refinancing
2. Eligibility
To use our services, you must meet the following requirements:
- Be at least 18 years of age
- Provide accurate, complete, and up-to-date information as requested
- Possess the legal capacity to enter into a binding agreement
3. Application and Approval Process
Application: To apply for a mortgage, you must complete our application process by submitting financial information, employment details, and other required documentation.
Approval: Loan approval depends on our underwriting criteria, including your creditworthiness, income verification, and property evaluation. We reserve the right to approve or deny any application at our sole discretion.
4. Fees and Charges
Application Fees: We may charge non-refundable fees for processing your application. These fees will be disclosed to you before you submit your application.
Interest Rates: Your loan’s interest rate will be based on your credit profile and other factors. A Loan Estimate detailing the interest rate, APR, and other terms will be provided before you accept the loan offer.
Late Fees: Late payments may incur fees as specified in your loan agreement.
5. Payment Terms
Repayment: You agree to repay your loan, including principal, interest, and any applicable charges, according to the terms outlined in your loan agreement.
Prepayment: You may prepay your loan in full or in part without penalty, subject to the terms specified in your loan agreement.
6. Privacy and Data Security
Information Collection: We collect personal information necessary to process your loan application and deliver our services, including financial details, contact information, and other relevant data.
Data Protection: We employ reasonable measures to safeguard your information from unauthorized access, use, or disclosure. Please refer to our Privacy Policy for more details.
7. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will take effect immediately upon posting to our website or upon notification to you. Your continued use of our services after such changes constitutes acceptance of the revised Terms.
8. Termination
We may terminate your access to our services if you breach these Terms or if we deem it necessary, at our sole discretion. Any obligations you have under these Terms will remain in effect until fulfilled, even after termination.
9. Limitation of Liability
To the fullest extent permitted by law, O1ne Mortgage Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or any loan agreement. Our total liability is limited to the maximum amount allowed under applicable law.
10. Governing Law
These Terms are governed by the laws of the State of California, where O1ne Mortgage Inc. is headquartered, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services will be resolved in the courts of California.
11. Contact Information
For questions or concerns about these Terms or our services, please contact us at:
- O1ne Mortgage Inc.
- 1906 W. Garvey Ave S.Suite 200
- West Covina, Ca 91790
- Phone: (866) 688-9020
- Email: [email protected]
12. Miscellaneous
Entire Agreement: These Terms represent the full agreement between you and O1ne Mortgage Inc. regarding the use of our services, superseding any prior agreements or understandings.
Severability: If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions will remain in full effect.
Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.