Terms & Conditions

1. Acceptance of Terms

Welcome to RefiAlly.com (“RefiAlly,” “we,” “us,” or “our”), operated by United Mortgage Corp. By accessing or using the website, calculators, tools, content, or submitting your information, you agree to these Terms & Conditions (“Terms”). If you do not agree, do not use the website.

2. Eligibility

You must be at least 18 years old and located within the United States to use this site or request mortgage-related services.

3. Consent to Contact (Phone, Text, Email & Electronic Communications)

By accessing the site or providing any information, you provide express written consent to be contacted by:

  • Phone calls (live, autodialed, prerecorded, or automated systems)

  • SMS/text messages

  • Email

  • Push notifications

  • Chat messages

  • Social media messages

  • Any other electronic communication method

…from RefiAlly, United Mortgage Corp., loan officers, affiliates, and service providers.

This consent applies even if your number is on state or federal Do Not Call lists.

You may opt out of marketing messages at any time. Transactional and legally required communications will still be sent.

4. Electronic Communications Disclosure (E-Sign Consent)

By using RefiAlly.com, you consent to do business electronically and agree that:

  1. You may receive disclosures, legal notices, agreements, privacy notices, loan estimates, and other communications electronically, including via:

    • Website display

    • Email

    • Secure document portals

    • SMS/text links

    • Electronic signature providers

  2. Electronic records will have the same legal effect as physical paper documents.

  3. You are responsible for maintaining accurate contact information and ensuring your device and internet access are functional.

  4. You may request paper copies of records at no charge by contacting us.

  5. You may withdraw your consent at any time, but doing so may prevent us from providing certain services or processing a loan application electronically.

  6. To access electronic documents, you must have:

    • Internet access

    • A modern web browser

    • The ability to open PDF files

    • A valid email address

5. No Commitment to Lend

Using the site or receiving quotes does not:

  • Create a loan application

  • Guarantee approval

  • Bind RefiAlly or United Mortgage Corp. to lend

All loans are subject to underwriting, credit approval, property qualifications, program availability, and applicable laws.

6. Use of Tools & Calculators

Calculators and rate tools provide estimates only. Actual rates, costs, and loan terms may vary.

You agree not to misuse the site, attempt unauthorized access, or reverse-engineer code or tools.

7. User Responsibilities

By submitting information, you agree that:

  • All information you provide is accurate and truthful

  • You will not provide false or misleading information

  • You will update information when necessary

  • You have authorization to provide information on behalf of any other person included on the application

8. Intellectual Property

All content, branding, software, calculators, graphics, and tools on RefiAlly.com are owned by RefiAlly/United Mortgage Corp. and protected by copyright and trademark laws. Unauthorized use is prohibited.

9. Third-Party Links & Services

We may link to third-party sites or services. We are not responsible for their:

  • Content

  • Accuracy

  • Security

  • Practices

  • Policies

Use third-party services at your own risk.

10. No Financial, Legal, or Tax Advice

Content on RefiAlly.com is for informational purposes only. Nothing on the site is professional advice.

Consult licensed professionals for financial, legal, tax, or investment guidance.

11. Disclaimer of Warranties

The site and services are provided “as is” and “as available” without warranties of any kind.

We do not guarantee:

  • Accuracy of data

  • Availability

  • Security

  • Error-free operation

  • Suitability for your specific situation

12. Limitation of Liability

To the fullest extent permitted by law, RefiAlly and United Mortgage Corp. are not liable for:

  • Loss of data

  • Errors or inaccuracies

  • Downtime or service interruption

  • Financial loss or decisions made based on website tools

  • Indirect, incidental, special, or consequential damages

Your sole remedy is to discontinue use of the website.

13. Indemnification

You agree to indemnify and hold harmless RefiAlly/United Mortgage Corp., employees, officers, and affiliates from claims arising out of:

  • Your use of the site

  • Your submitted information

  • Your violation of these Terms

  • Your violation of any applicable laws

14. Privacy Policy

Your use of the site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By continuing to use the site, you accept the Privacy Policy.

15. Required Mortgage Compliance Language

15.1 Equal Housing Lender

United Mortgage Corp. is an Equal Housing Lender.
We do not discriminate based on:

  • Race

  • Color

  • Religion

  • National origin

  • Sex

  • Marital status

  • Familial status

  • Disability

  • Age

  • Sexual orientation

  • Gender identity

  • Military status

  • Source of income

  • Any other protected characteristic under federal or state law

15.2 Fair Lending & ECOA Compliance

We comply fully with:

  • The Equal Credit Opportunity Act (ECOA)

  • The Fair Housing Act (FHA)

  • The Home Mortgage Disclosure Act (HMDA)

  • The Fair Credit Reporting Act (FCRA)

  • State lending laws and licensing requirements

Your application will be evaluated fairly and consistently with all applicable regulations.

15.3 Licensing Disclosure

United Mortgage Corp. is licensed as a mortgage lender/broker where required.

CORPORATE LICENSES
Licensing/Disclaimers

  1. Alabama State Banking Department, Consumer Credit License #22737 dba UMC Mortgage Company, Inc.

  2. Arizona Department of Financial Institutions, Mortgage Banker License #0951233, #0125011

  3. Arkansas Securities Department, Combination Mortgage Banker-Broker-Servicer License #118243

  4. California Licensed by the Department of Financial Protection and Innovation, California Residential Mortgage Lending Act License #4130571

  5. Colorado Division of Real Estate, Mortgage Company Registration

  6. Connecticut Department of Banking, Mortgage Lender License #8034 dba UMC Mortgage Company

  7. Delaware Office of the State Bank Commissioner, Lender License #9799

  8. District of Columbia – Department of Insurance, Securities and Banking, Mortgage Dual Authority License MLB1330

  9. Florida – Office of Financial Regulation, Mortgage Lender Servicer License MLD711 dba UMC Mortgage Company

  10. Georgia – Department of Banking and Finance, Georgia Residential Mortgage Licensee, Mortgage Lender License/Registration #1330

  11. Idaho – Department of Finance, Mortgage Broker/Lender License MBL-2080001330

  12. Illinois Department of Financial & Professional Regulation, Illinois Residential Mortgage Licensee MB.6760930 dba UMC Mortgage Company. Illinois Residential Mortgage Licensee.
    STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

  1. Indiana Department of Financial Institutions, Mortgage Lending License #11046 dba UMC Mortgage Company

  2. Iowa Division of Banking, Mortgage Banker License #2020-0014 dba UMC Mortgage Company / Other Trade Name #2 License #2020-0053 dba United Faith Mortgage

  3. Kansas – Office of the State Bank Commissioner, Kansas Mortgage Company License MC.0001328

  4. Kentucky Department of Financial Institutions, Mortgage Company License MC379370 dba UMC Mortgage Company

  5. Louisiana Office of Financial Institutions, Residential Mortgage Lending License

  6. Maine Bureau of Consumer Credit Protection, Supervised Lender License SLM9952

  7. Maryland Office of the Commissioner of Financial Regulation, Mortgage Lender License #19616

  8. Massachusetts Division of Banks, Mortgage Lender/Mortgage Broker Licenses MC#1330

  9. Michigan Department of Insurance and Financial Services, 1st Mortgage Broker/Lender/Servicer Registrant, License #FR0019241; 2nd Mortgage Broker/Lender/Servicer Registrant License #SR0024619 dba UMC Mortgage Company

  10. Minnesota Department of Commerce, Residential Mortgage Originator License MN-MO-1330 / Other Trade Name #1 MN-MO-1330.1 dba United Faith Mortgage, Residential Mortgage Servicer License MN-MS-1330 / Other Trade Name #1 MN-MS-1330.1 dba United Faith Mortgage

  11. Mississippi Licensed by the MS Department of Banking and Consumer Finance, Mortgage Lender License 1330

  12. Montana Division of Banking and Financial Institutions, Mortgage Lender/Broker/Servicer Licenses 1330

  13. Nebraska Department of Banking and Finance, Mortgage Banker License dba United Faith Mortgage

  14. Nevada Division of Mortgage Lending, Mortgage Company License 5043

  15. New Hampshire Banking Department, Licensed Mortgage Banker, License #11422-MB

  16. New Jersey Licensed by the N.J. Department of Banking and Insurance, Residential Mortgage Lender License #9909065 / RMLA-Licensed Mortgage Servicer Registration.

  17. New Mexico Financial Institutions Division, Mortgage Loan Company License

  18. New York State Department of Financial Services, Licensed Mortgage Banker LMBC 108983/ Exempt Mortgage Loan Servicer Registration License S000255 / Reverse Mortgage (HECM) Lending. Licensed Mortgage Banker-NYS Dept. of Financial Services.

  19. North Carolina Commissioner of Banks, Mortgage Lender License L-124405

  20. Ohio Division of Financial Institutions, Ohio Residential Mortgage Lending Act Certificate of Registration, License MBMB.850260.000

  21. Oklahoma Department of Consumer Credit Licensing, Licensed Lender ML012038 / Other Trade Name #1 ML012055 dba United Faith Mortgage

  22. Oregon Division of Financial Regulation, Mortgage Lending License #ML-5497 / Servicer License #MS-130 dba United Mortgage Corp., A Corporation of New York

  23. Pennsylvania Department of Banking and Securities, Mortgage Lender License #22672 / Third-Party Loan Servicer License #66524

  24. Rhode Island Department of Business Regulation, Licensed Lender #20163301LL, Broker #20163302LB, Third Party Loan Servicer #20163303LS dba UMC Mortgage Company. Rhode Island Licensed Lender and Broker.

  25. South Carolina Board of Financial Institutions, Mortgage Lender/Servicer License MLS-1330 / MLS-1330 Other Trade Name #1 dba United Faith Mortgage

  26. Tennessee Department of Financial Institutions, Mortgage License #109167

  27. Texas Department of Savings and Mortgage Lending, Mortgage Banker Registration / Residential Mortgage Loan Servicer Registration (see below Texas Disclaimer)

  28. Virginia Bureau of Financial Institutions, Lender/Broker License #MC-5904 dba UMC Mortgage Company

  29. Washington State Department of Financial Institutions, Consumer Loan Company License CL-1330

  30. West Virginia Division of Financial Institutions, Mortgage Lender License #ML-37986 / Mortgage Broker License #MB-37985

  31. WisconsinDepartment of Financial Institutions, Mortgage Banker License #1330BA / Mortgage Broker License #1330BR

  32. Wyoming Division of Banking, Mortgage Lender/Broker License #3571/ Supervised Lender License # SL-4063

For company and MLO licensing information go to: www.nmlsconsumeraccess.org (NMLS #1330)

United Mortgage Corp., NMLS #1330, Corporate Office is located at 401 Broadhollow Road, Suite 150, Melville, NY 11747. (800) 462-4862.

United Mortgage Corp. is not affiliated with your current lender nor an agency of the federal government. United Mortgage Corp. is approved by HUD/FHA, Fannie Mae, Freddie Mac and Ginnie Mae. This is not a government form. This is not a credit decision or a commitment to lend. Rates, terms and programs subject to change without notice and may not be available at commitment or closing. Subject to approval. Refinancing an existing loan may increase total finance charges over the life of the loan. Equal Housing Opportunity.

TEXAS CONSUMERS COMPLAINT/RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov.

15.4 Credit Reports & Verification

By submitting information, you authorize us to:

  • Obtain credit reports

  • Verify employment and income

  • Verify property information

  • Obtain necessary third-party verifications

…as part of the mortgage qualification or prequalification process.

16. Changes to These Terms

We may change or update these Terms at any time. Continued use of the website means you accept the revised Terms.

17. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.

Any disputes shall be resolved in courts located in Suffolk County.

18. Contact Information

If you have questions about these Terms & Conditions or any of our disclosures, contact:

RefiAlly / United Mortgage Corp.

Email: refially@unitedmortgage.com
Phone: 631.724.7070
NMLS ID: 1330