Website Terms and Conditions


This website is offered to you, the "User" conditioned on your acceptance without modification, of the terms and conditions contained herein. Your use of this website constitutes your agreement to all such terms and conditions.

Authorization


All of the information I have provided in any inquiry or application form provided to Carnegie Mortgage through this website is true and complete. I authorize Carnegie Home Loans to obtain information regarding my credit, employment history, income and assets. In addition, I authorize Carnegie Mortgage to obtain my credit report and information concerning any property that may secure my loan. I understand Carnegie Home Loans may keep all information that I provide through this website or that is otherwise obtained by Carnegie Mortgage in connection with my inquiry or application.

Compliance with Laws & Regulations


In using this site, Carnegie Mortgage Sellers and Associates acknowledge that they are responsible for ensuring that all loans are originated and closed in compliance with federal and applicable state laws and regulations designed to protect consumers in the mortgage lending process, including, but not limited to, RESPA, TILA, ECOA, FCRA and fair lending and privacy laws and regulations. In addition, Sellers using the site understand that Carnegie Mortgage expects them to have a working knowledge of pertinent consumer protection laws and to stay abreast of significant changes thereto. With regard to fair lending, they understand that Carnegie Mortgage is fully committed to the principle that all credit decisions should be made without regard to race, age, color, religion, national origin, sex, marital status, disability, receipt of public assistance or other basis prohibited by law, including those that apply to the loans that Carnegie Mortgage may acquire from their firm.

Website Links


This website may contain links to other websites maintained by other parties. Such links are provided for your convenience only. Our inclusion of any link does not imply an endorsement of the site, any services or products offered thereon, or its sponsoring organization.

Disclosures


Carnegie Mortgage is a division of Carnegie Mortgage LLC, a wholly-owned subsidiary of Grand Bank, N.A.

In regards to originating loans from this website, Carnegie Mortgage acts as the exclusive agent of Grand Bank, FSB. This website and the services provided by Carnegie Home Loans are available only in connection with (a) mortgage loan(s) made on residential, real property located in the 50 states of the United States and the District of Columbia. Carnegie Mortgage expressly reserves the right to discontinue, suspend or terminate the offering of any loan product through this website in any jurisdiction, subject to applicable law. Unless expressly stated to the contrary, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

Trademark Terms and Conditions


Unless otherwise indicated, Carnegie Mortgage owns the trade and service marks displayed on this website as well as the copyright of its web pages, images, text and screens. Users of this website may copy information from this website for their personal or educational use, so long as each copy includes all copyright, trademark and/or service mark notices, or other attribution precisely as they appear on this website. The material and information on this website may not otherwise be published, copied, distributed, licensed, modified, sold, used to create a derivative work or otherwise used for public or commercial purposes, without the prior express written permission of Carnegie Mortgage.