TERMS OF SERVICE

Last Updated: 05/13/2026

Acceptance of Terms

By accessing this website or submitting your information, you agree to be bound by these Terms and all applicable federal and state laws, including those governing mortgage lending and consumer protection.

Nature of Services

Creative Mortgage, LLC is a mortgage brokerage providing:

Residential mortgage consultation
Prequalification and application assistance
Loan product education

Creative Mortgage, LLC does not lend money and does not make credit decisions. All loan applications are submitted to third-party lenders for underwriting and approval.

No guarantee is made regarding:

Loan approval
Interest rates
Loan terms

All loan approvals are subject to third-party lender underwriting and investor guidelines.

Equal Housing & Compliance

We comply with the Equal Credit Opportunity Act and Fair Housing Act.
We do not discriminate based on race, color, religion, sex, marital status, national origin, disability, familial status, or receipt of public assistance.

No Financial or Legal Advice

Information provided is for educational purposes only and should not be relied upon as legal, tax, or financial advice.

User Representations

You agree that:

All submitted information is accurate and complete
You will not misrepresent financial or identity information
You are authorized to submit any provided data

Third-Party Relationships

We may share your information with:

Lenders
Credit reporting agencies
Title companies and service providers

All loan decisions, approvals, conditions, and funding are made solely by third-party lenders. Creative Mortgage, LLC is not responsible for third-party decisions, underwriting outcomes, or actions.

Electronic Communications (E-SIGN)

By using our services, you consent to receive disclosures electronically in accordance with the Electronic Signatures in Global and National Commerce Act.