Terms & Conditions

Please read these Terms and Conditions ("Terms") carefully before using the website operated by Summit Crest Mortgage, LLC ("Summit Crest," "we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please discontinue use of our site immediately.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Summit Crest Mortgage, LLC. By accessing our website at any URL operated by Summit Crest, submitting an inquiry, or using any of our online tools or calculators, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

We reserve the right to modify these Terms at any time. Changes are effective upon posting to the website. Your continued use of the site after any modification constitutes your acceptance of the updated Terms.

2. Use of This Website

You may use this website for lawful purposes only and in a manner consistent with all applicable federal, state, and local laws and regulations. You agree not to:

• Use the site for any unlawful, fraudulent, or harmful purpose
• Attempt to gain unauthorized access to any portion of the site or its systems
• Transmit any viruses, malware, or harmful code
• Scrape, harvest, or systematically collect data from the site without our written consent
• Interfere with or disrupt the integrity or performance of the site
• Impersonate any person or entity, or misrepresent your affiliation
• Submit false or misleading information in any form or application

3. Not a Commitment to Lend

Summit Crest Mortgage, LLC (NMLS #1907432). This is not a commitment to lend. All loans are subject to credit approval, income verification, and property appraisal. Programs, rates, terms, and conditions are subject to change without notice and may vary by state. Not all applicants will qualify.

Information provided on this website, including rate quotes, payment estimates, and calculator results, is for general informational and educational purposes only. It does not constitute a loan application, pre-approval, loan commitment, or offer to lend. Submitting an inquiry or completing a lead form does not guarantee loan approval or any specific loan terms.

4. Eligibility

Our mortgage products and services are available only to individuals who are at least 18 years of age and who meet applicable creditworthiness, income, and property eligibility requirements. Use of this website does not guarantee that you will qualify for any mortgage product offered by Summit Crest.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, icons, audio clips, and software — is the property of Summit Crest Mortgage, LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content from this site without our prior written permission.

6. Third-Party Links

Our website may contain links to third-party websites for your convenience and information. These links do not constitute our endorsement of those sites or their content, products, or services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party site you visit.

7. Online Calculators & Tools

Mortgage calculators and other tools provided on this website are for educational and illustrative purposes only. Results are estimates and may not reflect actual loan terms, payments, costs, taxes, insurance, or other expenses. Calculator outputs do not constitute a Loan Estimate, Good Faith Estimate, or commitment to lend.

8. Disclaimers

THIS WEBSITE AND ALL CONTENT, INFORMATION, AND MATERIALS PROVIDED ON OR THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SUMMIT CREST MORTGAGE, LLCDISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the site.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SUMMIT CREST MORTGAGE, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR INABILITY TO USE THIS WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claims arising from your use of this website shall not exceed one hundred dollars ($100).

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of this website shall be resolved exclusively in the state or federal courts located in Travis County, Texas, and you consent to personal jurisdiction in those courts.

11. Indemnification

You agree to indemnify, defend, and hold harmless Summit Crest Mortgage, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the website, your violation of these Terms, or your violation of any third-party rights.

12. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.

14. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. We will post the updated Terms on this page with a revised "Last updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Contact Us

If you have questions about these Terms and Conditions, please contact us:

• Email: hello@summitcrestmortgage.com
• Phone: (512) 555-0142
• Mail: Summit Crest Mortgage, LLC, 600 Congress Ave, Suite 1400, Austin, TX 78701