Terms of Use

Acceptance of these Terms

Please read these Terms of Use (“Terms”) carefully before using simpliclose.us (the “Website”), operated by HomeFi Corporation (“HomeFi,” “we,” “us,” or “our”). SimpliClose is a manufactured home lending program of HomeFi. By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you do not have permission to access the Website.

Informational purposes only — not a commitment to lend

The content on this Website is provided for general informational purposes. Nothing on this Website is a loan approval, a pre-approval, an interest rate lock, a commitment to lend, or an offer to enter into a loan agreement. Loan programs, rates, terms, and eligibility requirements are subject to change without notice, and all loans are subject to credit approval, underwriting, appraisal, and program guidelines.

Descriptions of loan products on this Website are summaries. They do not state all of the terms, conditions, limitations, or requirements that apply. Your actual options will be provided to you in writing during the application process.

No professional advice

Nothing on this Website constitutes financial, tax, legal, or investment advice, and it should not be relied upon as a substitute for advice from a qualified professional who knows your circumstances.

Where lending is available

This Website is not directed to, and lending is not available to, persons in jurisdictions where HomeFi is not licensed or where such use would be contrary to local law or regulation. Licensing varies by state, and the products described here may not be available in every state in which HomeFi holds a license. See HomeFi’s Licensing Disclosure for state-by-state license details, and the NMLS Consumer Access record for current details.

Accuracy, errors, and availability

We update this Website from time to time, and information on it may contain errors or inaccuracies or may not be complete or current. We reserve the right to change or update information, and to correct errors, inaccuracies, or omissions, at any time and without prior notice. We do not warrant that the Website will be available uninterrupted or error-free.

Acceptable use

You agree not to:

• use automated means — robots, spiders, scripts, or similar devices — to access the Website or collect information from it;
• engage in screen scraping, database scraping, or similar activity to obtain content or information;
• frame the Website, place pop-up windows over its pages, or otherwise interfere with how its pages are displayed;
• use the Website to transmit unsolicited or unauthorized advertising, promotional material, junk mail, spam, or bulk communications of any kind; or
• use the Website in any manner that violates applicable law, or that could damage, disable, overburden, or impair it or interfere with anyone else’s use of it.

Intellectual property

The Website and its original content, features, and functionality are and will remain the exclusive property of HomeFi and its licensors, and are protected by copyright, trademark, and other laws of the United States and foreign countries. The SimpliClose and HomeFi names, logos, and trade dress may not be used in connection with any product or service without our prior written consent.

Third-party links

This Website contains links to third-party websites and services that we do not own or control, including HomeFi’s application portal and the NMLS Consumer Access database. We have no control over, and assume no responsibility for, the content, terms, privacy practices, or availability of third-party websites. We encourage you to read the terms and privacy policies of any third-party site you visit. You acknowledge that we are not responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with your use of or reliance on any third-party site.

Communications

Unless explicitly stated, emails and other communications from us are not interest rate locks, loan commitments, pre-qualifications, or pre-approvals. Do not use this Website or ordinary email to send time-sensitive instructions related to a loan, loan application, disclosures, or closing documentation — such as rate locks, cancellations, rescissions, or updates to your personal information. Contact your loan advisor directly instead.

Prescreened credit offers

You may contact www.optoutprescreen.com or call (888) 576-8688 to stop receiving prescreened credit offers.

Privacy

Please review our Privacy Policy, which explains how information is handled on this Website. By using the Website, you consent to the practices described there.

Fair lending

HomeFi is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Changes to these Terms

We may revise these Terms at any time. Changes take effect when posted, and the effective date above will be updated. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

Contact us

HomeFi Corporation — SimpliClose
4008 Legendary Drive, Suite 320
Destin, FL 32541
(850) 424-7277

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