Important Disclosures

Please read the following disclosures carefully before using any services offered by Home Loans USA Brigantine, located at 900 W Brigantine Ave, #12, Brigantine, NJ 08203. You may contact us at (640) 223-4540 or [email protected] during our business hours, Monday through Sunday, 8:00 AM to 6:00 PM, with any questions regarding these disclosures.

1. General Disclaimer

Home Loans USA Brigantine operates as a mortgage broker serving clients in Brigantine, NJ and surrounding areas. We facilitate connections between borrowers and third-party lending institutions. We do not directly fund, underwrite, or approve loans. All final credit decisions are made solely by the respective lender.

2. No Guarantee of Loan Approval or Funding

Nothing on this website, in our communications, or through our services constitutes a guarantee, commitment, or promise of:

• Loan approval or pre-approval by any lender;
• Loan funding or disbursement;
• Acceptance of any loan application;
• Continuation or completion of any loan process once initiated.

Loan approval, if any, is subject to the lender's underwriting guidelines, verification of submitted information, satisfactory appraisal, title review, and all other lender-specific requirements. Outcomes will vary depending on individual credit profiles, financial history, property details, and documentation provided.

3. No Guarantee of Specific Rates, Terms, or Payments

Any discussion of interest rates, annual percentage rates (APR), monthly payment estimates, loan terms, or closing costs presented on this website or in any consultation is for illustrative and informational purposes only. Actual rates and terms:

• Are determined solely by the lender based on their current guidelines;
• May vary based on your credit score, loan-to-value ratio, debt-to-income ratio, property type, occupancy status, and loan program;
• Are subject to change at any time without notice, based on market conditions;
• Cannot be confirmed until a formal loan application is submitted and reviewed by the lender.

We do not guarantee any specific interest rate, APR, payment amount, or loan cost outcome.

4. Credit Scores and Credit Profile

Home Loans USA Brigantine does not guarantee any improvement in your credit score or credit profile. Any guidance provided regarding credit-related matters is general in nature and for informational purposes only. Actual credit score changes, if any, depend on a wide range of individual factors, including but not limited to payment history, credit utilization, account age, and actions taken by creditors and credit bureaus. Results vary significantly by individual.

5. Processing and Timeline Estimates

Any timelines discussed in connection with loan processing, closing, or other milestones are estimates only and are not guarantees. Typical mortgage processing timelines can range from approximately 21 to 60 days or more, depending on lender capacity, appraisal scheduling, title work, document verification, and other factors outside our control. Actual timelines may be shorter or longer than any estimate provided.

6. Third-Party Lenders and Services

Home Loans USA Brigantine works with a network of third-party lenders and service providers. We do not control the policies, practices, or decisions of these third parties. References to or partnerships with any lender do not imply endorsement of any particular loan product, nor do they guarantee eligibility or approval with that lender. Third-party websites linked from our site are governed by their own terms, conditions, and privacy policies.

7. Not Legal, Tax, or Financial Advice

The information provided on this website and through our services is for general informational purposes only and does not constitute legal, tax, financial planning, or investment advice. We strongly encourage you to consult with a licensed attorney, certified public accountant, or independent financial advisor before making any significant financial decisions.

8. Equal Housing Opportunity

Home Loans USA Brigantine is committed to the principles of the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, marital status, or any other characteristic protected by applicable law.

9. Licensing

Home Loans USA Brigantine operates in accordance with applicable federal and New Jersey state mortgage brokerage licensing requirements. Licensing information is available upon request. Please contact us at (640) 223-4540 or [email protected] for details.

10. Changes to These Disclosures

We reserve the right to update or modify these disclosures at any time without prior notice. Your continued use of our website or services following any such changes constitutes your acceptance of the updated disclosures. We encourage you to review this page periodically.

Home Loans USA Brigantine
900 W Brigantine Ave, #12, Brigantine, NJ 08203
Phone: (640) 223-4540
Email: [email protected]
Hours: Monday – Sunday, 8:00 AM – 6:00 PM