Terms of Service

Preferred Mortgage, LLC DBA The Mobile Home Guy is a mortgage broker providing mortgage-related services in jurisdictions in which it is appropriately licensed, registered, or otherwise authorized to conduct business.

Company Information: Preferred Mortgage, LLC DBA The Mobile Home Guy NMLS #2475985 Telephone: (971) 263-1633 Email: team@mobilehomeguy.com

For licensing information, visit the Nationwide Multistate Licensing System Consumer Access website at www.nmlsconsumeraccess.org and search for NMLS #2475985.

The Company's mortgage products and services are offered only in jurisdictions where the Company and, when required, its mortgage loan originators are properly licensed, registered, exempt, or otherwise authorized to conduct business.

Nothing on this website constitutes an offer or solicitation to provide mortgage services in a jurisdiction where such activity would be unlawful or where the Company is not appropriately authorized.

Availability of mortgage products, loan programs, rates, terms, and services varies by state, investor, lender, borrower qualifications, property characteristics, occupancy, loan purpose, and other underwriting requirements.

Information provided through this website is for general informational and educational purposes and should not be interpreted as a commitment to lend; an approval or preapproval for credit; a loan approval; a lock-in agreement; a guarantee of an interest rate; a guarantee of loan terms; a guarantee of loan qualification; a guarantee that a particular loan program will be available; financial, tax, investment, accounting, or legal advice; or a substitute for disclosures or agreements that may be provided to you during the mortgage application process.

A mortgage loan is not approved until all applicable underwriting requirements have been satisfied and the appropriate lender has issued the required approval.

Any mortgage rates, annual percentage rates ("APR"), payment examples, fees, closing costs, loan amounts, down-payment examples, or other credit terms displayed on this website are illustrative unless expressly stated otherwise.

Rates and loan terms are subject to change without notice and may depend upon factors including, but not limited to: borrower creditworthiness; credit score; debt-to-income ratio; loan-to-value ratio; property type; occupancy; loan purpose; loan amount; geographic location; available lender or investor programs; market conditions; applicable fees; discount points or lender credits; and underwriting approval.

Not all applicants will qualify for all products, rates, or terms.

Submitting information through this website does not guarantee approval for any mortgage loan.

Loan approval is subject to applicable underwriting standards, verification of information, acceptable collateral, required documentation, credit review, lender or investor requirements, and all applicable laws and regulations.

We reserve the right to request additional information and documentation necessary to evaluate a mortgage application.

Any prequalification provided by the Company is generally based on preliminary information supplied by the consumer and should not be considered a commitment to lend.

A preapproval, if offered, may be subject to conditions including verification of income, employment, assets, liabilities, credit, property eligibility, appraisal, title, insurance, and lender or investor underwriting requirements.

Unless expressly stated in a written commitment issued by an authorized lender, neither a prequalification nor a preapproval guarantees final loan approval.

Preferred Mortgage, LLC DBA The Mobile Home Guy is committed to providing equal access to credit and housing-related financial services in accordance with applicable federal and state law.

We do not unlawfully discriminate in any aspect of a credit transaction on a prohibited basis under the Equal Credit Opportunity Act, the Fair Housing Act, or other applicable federal or state law.

Equal Housing Opportunity.

You may be permitted to provide personal, financial, employment, property, or other information through this website in connection with an inquiry, prequalification request, mortgage application, or other service.

You represent that all information you provide is accurate and complete to the best of your knowledge.

You agree not to knowingly provide false, fraudulent, misleading, or materially incomplete information.

When you submit an application or otherwise provide authorization, the Company and applicable lenders, service providers, investors, or other authorized parties may verify information relating to your loan request as permitted by law.

Verification may include information concerning employment, income, assets, liabilities, housing history, property information, identity, and other information necessary to evaluate or process your mortgage transaction.

Use of this website alone does not constitute authorization for the Company to obtain a consumer credit report unless you have separately provided legally sufficient authorization.

When you interact with us electronically, you consent to receive communications electronically to the extent permitted by law.

Certain mortgage disclosures may require separate consent before they can be provided electronically under the Electronic Signatures in Global and National Commerce Act ("E-SIGN Act") or other applicable law.

These Terms do not replace any separate E-Sign consent required by law.

If you voluntarily provide a telephone number, you authorize us to contact you regarding your inquiry, application, account, or requested services as permitted by applicable law.

Where required by law, consent to receive automated or prerecorded marketing calls or marketing text messages is not a condition of purchasing goods or services or obtaining a mortgage loan.

Message and data rates may apply. You may request that marketing text messages stop by replying STOP to a marketing text or by contacting us at (971) 263-1633.

By providing your email address, you authorize us to send communications related to inquiries, applications, transactions, and services you request.

Marketing emails sent by the Company will be provided in accordance with applicable law. You may unsubscribe from marketing emails using the unsubscribe mechanism provided in the communication.

Unsubscribing from marketing communications does not necessarily prevent us from sending transactional, application-related, servicing, security, or legally required communications.

Your privacy is important to us. Our collection, use, disclosure, safeguarding, and retention of personal information are described in our Privacy Policy and, where applicable, our federally required financial privacy notices.

The Privacy Policy is incorporated into these Terms by reference. The Company's obligations regarding nonpublic personal information may also be governed by the Gramm-Leach-Bliley Act, Regulation P, state privacy laws, and other applicable requirements.

We use administrative, technical, and physical safeguards designed to protect information under our control.

However, no website, internet transmission, email system, or electronic storage system can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of usernames, passwords, authentication credentials, and other information used to access any secure customer portal.

We may use third-party vendors and service providers in connection with our mortgage operations and website, including providers of loan origination technology, customer relationship management systems, credit reporting, verification services, document management, electronic signatures, communications, analytics, fraud prevention, identity verification, appraisal or valuation services, title and settlement services, and other mortgage-related services.

Use and disclosure of consumer information to such parties will be subject to applicable law and our Privacy Policy.

This website may contain links to websites operated by third parties. We do not control and are not responsible for the content, privacy practices, security, availability, accuracy, or policies of third-party websites.

A link to a third-party website does not necessarily constitute sponsorship, endorsement, or affiliation. Your use of third-party websites is governed by the terms and privacy policies of those websites.

Calculators, affordability estimates, payment estimates, amortization tools, qualification tools, and similar resources offered on this website are for informational purposes only.

Results are estimates based upon the information entered and assumptions incorporated into the applicable calculator. Calculator results do not constitute an application for credit, an approval, a preapproval, an appraisal, an underwriting determination, a loan estimate, a commitment to lend, or a guarantee of available rates or payments.

Actual loan terms and costs may differ materially.

Any property valuation, home-value estimate, manufactured-home valuation, payment estimate, market analysis, or similar information displayed through this website is informational only unless expressly identified as a legally recognized appraisal or valuation prepared for a particular transaction.

Such estimates should not be relied upon as substitutes for an appraisal, valuation, inspection, title report, or other professional assessment required in connection with a mortgage transaction.

The Company provides mortgage-related services and does not provide legal, tax, accounting, or investment advice unless separately licensed and expressly engaged to do so.

You should consult your own qualified legal, tax, accounting, financial, or other professional advisor regarding issues specific to your circumstances.

Loan programs shown or discussed on this website may be offered by the Company directly or made available through third-party lenders or investors, depending upon the Company's business model and licensing authority.

Programs may be modified, suspended, or discontinued at any time. Some products may not be available in every jurisdiction or for every property type. Additional restrictions may apply to manufactured housing, mobile homes, chattel loans, land-home transactions, investment properties, second homes, condominiums, cooperative properties, or other specialized transactions.

References to FHA, VA, USDA, or other government-related mortgage programs are intended only to identify applicable loan programs. Unless expressly stated otherwise, the Company is not a government agency.

The Company is not affiliated with or acting on behalf of HUD, FHA, VA, USDA, the Federal Government, or any state or local government merely because it offers or discusses a government-insured, government-guaranteed, or government-sponsored loan program.

Nothing on this website should be interpreted as stating or implying that the Company, its website, or its services are endorsed, sponsored, approved, or operated by a governmental entity unless such a relationship actually exists and is expressly identified.

Unless otherwise stated, the website and its original content, including text, graphics, logos, designs, software, photographs, videos, data compilations, and other materials, are owned by or licensed to the Company and are protected by applicable intellectual property laws.

You may use the website for lawful personal purposes. You may not reproduce, distribute, modify, sell, license, scrape, republish, create derivative works from, or commercially exploit protected website content without our prior written authorization, except where permitted by law.

You agree not to use this website to: violate any federal, state, local, or international law; submit false or fraudulent information; impersonate another person; obtain unauthorized access to systems or information; upload malicious code; interfere with website functionality or security; attempt to bypass authentication or access controls; conduct unauthorized automated scraping or data extraction; use the website to facilitate fraud, identity theft, or other unlawful activity; or infringe the intellectual property or privacy rights of another person.

We may restrict or terminate access to the website if we reasonably believe the website is being used unlawfully or in violation of these Terms.

We attempt to maintain reliable website availability but do not guarantee uninterrupted or error-free access.

We may modify, suspend, discontinue, or restrict any part of the website at any time, including for maintenance, security, legal, operational, or business reasons.

We make reasonable efforts to provide accurate information but do not guarantee that all website information will always be complete, current, or error-free.

If website information conflicts with legally required mortgage disclosures, executed agreements, lender documentation, or other transaction-specific documents, the applicable transaction-specific documentation will control to the extent permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND GENERAL INFORMATION PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

THE COMPANY MAKES NO WARRANTY THAT: THE WEBSITE WILL ALWAYS BE AVAILABLE; WEBSITE CONTENT WILL ALWAYS BE ERROR-FREE; A PARTICULAR MORTGAGE PRODUCT WILL BE AVAILABLE; A PARTICULAR BORROWER WILL QUALIFY; A LOAN WILL CLOSE; AN INTEREST RATE WILL REMAIN AVAILABLE; OR A TRANSACTION WILL BE COMPLETED WITHIN A PARTICULAR TIME.

Nothing in these Terms waives any warranty, duty, right, or remedy that cannot lawfully be waived under applicable consumer-protection law.

To the maximum extent permitted by applicable law, the Company will not be liable for indirect, incidental, special, consequential, or punitive damages resulting solely from your use of, or inability to use, this website.

This limitation does not apply where prohibited by law and does not limit rights or remedies that a consumer may have under applicable federal or state mortgage, consumer-protection, privacy, fair-lending, or other laws.

To the extent permitted by applicable law, you agree to indemnify and hold harmless the Company and its officers, directors, employees, and agents from third-party claims arising directly from your unlawful use of the website, intentional misconduct, fraud, or material violation of these Terms.

This provision does not require a consumer to indemnify the Company for the Company's own violation of law, negligence, or misconduct where such limitation would be prohibited by applicable law.

These Terms will be governed by applicable federal law and, to the extent federal law does not control, the laws of the State of Oregon, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.

Nothing in these Terms limits any right you may have to submit a complaint to a federal or state regulatory agency or exercise another right that cannot lawfully be waived.

If you have a concern regarding our services, please contact us at:

Preferred Mortgage, LLC DBA The Mobile Home Guy Attn: Compliance Department Phone: (971) 263-1633 Email: team@mobilehomeguy.com

Consumers may also have the right to contact applicable state mortgage regulators, the Consumer Financial Protection Bureau, or other governmental agencies.

This website is intended for adults seeking mortgage-related information and services and is not directed toward children under 13. We do not knowingly use this website to solicit personal information from children under 13.

The Company seeks to make its website and services reasonably accessible to individuals with disabilities. If you experience difficulty accessing information on this website or need assistance obtaining information in another format, please contact us at team@mobilehomeguy.com or (971) 263-1633.

We may update these Terms periodically to reflect changes in law, regulation, technology, products, services, or business practices. When changes are made, the revised Terms will be posted on this page and the "Last Updated" date will be revised.

Your continued use of the website after an update constitutes acceptance of the revised Terms to the extent permitted by law.

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be interpreted or limited to the extent necessary to comply with applicable law, and the remaining provisions will remain in effect.

Failure by the Company to enforce a provision of these Terms does not constitute a waiver of that provision or any other right.

These Terms, together with the Company's Privacy Policy and any other website policies expressly incorporated by reference, constitute the agreement governing general use of this website.

These Terms do not replace mortgage application disclosures, privacy notices, loan disclosures, loan agreements, servicing agreements, rate-lock agreements, or other documents required for an individual mortgage transaction.

Questions regarding these Terms may be directed to:

Preferred Mortgage, LLC DBA The Mobile Home Guy NMLS #2475985 Phone: (971) 263-1633 Email: team@mobilehomeguy.com Website: www.themobilehomeguy.com NMLS Consumer Access: www.nmlsconsumeraccess.org