Important Disclosures

Please read the following disclosures carefully before using any services offered by My Smart Home Loans, located at 1500 NJ-47, #200, Rio Grande, NJ 08242. By contacting us or using our website, you acknowledge that you have read, understood, and agreed to the terms outlined below. If you have questions, please contact us at (640) 333-9579 or [email protected]. Our team is available Monday through Sunday, 8:00 AM to 6:00 PM.

1. Broker Relationship & No Lender Affiliation

My Smart Home Loans operates as a mortgage broker, not a direct lender. We work with a network of third-party lenders to help connect borrowers with potential financing options. We do not make credit decisions, fund loans, or set final loan terms. All credit decisions are made solely by participating lenders based on their own underwriting criteria.

• We may receive compensation from lenders in the form of broker fees, origination fees, or yield spread premiums.
• Our relationships with lenders do not guarantee that any specific lender will approve your application.
• Lender availability and program offerings may change at any time without notice.

2. No Guarantee of Loan Approval or Funding

Nothing on this website, in any marketing material, or communicated by any representative of My Smart Home Loans constitutes a guarantee, commitment, or promise of loan approval, loan funding, or loan acceptance. Mortgage approval is subject to, but not limited to, the following factors:

• Lender-specific underwriting guidelines and credit policies
• Applicant credit history, credit score, and credit profile
• Debt-to-income ratio and employment verification
• Property appraisal value and condition
• Completeness and accuracy of submitted documentation
• Applicable federal, state, and local regulations

Submission of a loan application does not guarantee that a loan will be offered, approved, or closed.

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

Any interest rates, annual percentage rates (APR), monthly payment estimates, or loan terms referenced in any communication, advertisement, or on this website are illustrative examples only and do not represent a commitment to lend or an offer of credit. Actual rates and terms that may be available to you will depend on:

• Your individual credit profile and credit score at the time of application
• The loan-to-value (LTV) ratio of the subject property
• The specific loan product and program you qualify for
• Current market conditions and lender pricing at the time of rate lock
• The completeness of your application and supporting documentation

Rate quotes, if provided, are estimates only and are subject to change until formally locked with a lender. Rates shown in advertisements reflect conditions that may not apply to all borrowers.

4. No Guarantee of Credit Score Outcomes

My Smart Home Loans does not provide credit repair services and makes no representations, warranties, or guarantees regarding improvements to your credit score, credit report, or credit standing. Any general information provided about credit factors is educational in nature only. Individual credit outcomes vary significantly based on personal financial history, creditor reporting practices, and other factors outside our control.

5. Timeline Estimates

Any timelines referenced in connection with the mortgage process—including but not limited to pre-qualification, underwriting, appraisal, closing, and funding—are estimates only and are presented as typical ranges based on general industry experience. Actual timelines may be shorter or longer depending on:

• Lender processing capacity and workload
• Completeness of borrower documentation
• Third-party service provider schedules (appraisers, title companies, etc.)
• Government recording offices and local municipality timelines

Typical estimated closing timelines range from approximately 21 to 45 business days from completed application, but this is not a guarantee and actual results may vary.

6. Equal Housing Opportunity

My Smart Home Loans is committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other protected characteristic as defined by applicable law. All applicants are considered on the basis of their individual financial qualifications.

7. State Licensing

My Smart Home Loans operates in accordance with applicable New Jersey state mortgage broker licensing requirements. Licensing information is available upon request. Consumers are encouraged to verify licensing status through the Nationwide Multistate Licensing System & Registry (NMLS) at www.nmlsconsumeraccess.org.

8. Third-Party Website Links

This website may contain links to third-party websites for informational purposes. My Smart Home Loans does not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party websites. Visiting linked websites is done at your own risk.

9. Privacy & Data Use

Any personal or financial information you provide to My Smart Home Loans is used solely for the purpose of evaluating and processing your mortgage inquiry and is handled in accordance with applicable privacy laws. We do not sell your personal information to unaffiliated third parties for marketing purposes. Please refer to our Privacy Policy for full details on how your information is collected, used, and protected.

10. No Legal or Financial Advice

The information provided on this website and by our representatives is for general informational purposes only and does not constitute legal, tax, financial, or investment advice. You are encouraged to consult with qualified legal, tax, and financial professionals before making any decisions related to mortgage financing or real estate transactions.

Contact Us:
My Smart Home Loans
1500 NJ-47, #200
Rio Grande, NJ 08242
Phone: (640) 333-9579
Email: [email protected]
Hours: Monday – Sunday, 8:00 AM – 6:00 PM

These disclosures are subject to change without notice. Please check this page periodically for updates.