Important Disclosures

Please read the following disclosures carefully before using any services offered by Equity Smart Home Loans Burlington, located at 218 W Broad St, # 159, Burlington, NJ 08016. By engaging with our website, calling us at +1 (640) 223-4213, or emailing us at [email protected], you acknowledge that you have read and understood these disclosures.

1. Mortgage Broker Status

Equity Smart Home Loans Burlington acts solely as a mortgage broker. We do not make lending decisions, fund loans, or issue final credit approvals. We facilitate the connection between applicants and third-party lenders who independently evaluate each application based on their own underwriting criteria. The existence of a broker relationship does not guarantee that any loan product will be offered, approved, or funded.

2. No Guarantee of Loan Approval or Funding

Submitting an inquiry, application, or supporting documentation through Equity Smart Home Loans Burlington does not constitute a loan commitment or guarantee of loan approval, conditional approval, or funding. All credit decisions are made solely by the participating lender(s) and are subject to, but not limited to, the following factors:

• Applicant credit history, credit score, and overall credit profile
• Debt-to-income ratio and financial obligations
• Employment status, income verification, and documentation completeness
• Property appraisal value and lien position
• Lender-specific underwriting guidelines and program availability
• Current market conditions and regulatory requirements

Outcomes will vary from applicant to applicant. We make no representation that any individual will qualify for any specific loan product.

3. No Guarantee of Specific Interest Rates, APR, or Payment Amounts

Any interest rates, annual percentage rates (APR), monthly payment estimates, or loan terms discussed during consultations or displayed in any marketing materials are illustrative examples only and do not constitute a rate lock, commitment, or offer of credit. Actual rates and terms, if any are extended by a lender, will depend on:

• The applicant's creditworthiness and lender risk assessment
• Loan-to-value (LTV) ratio of the property
• Loan type, loan amount, and repayment term selected
• Prevailing market interest rates at the time of application and closing
• Points, fees, and discount structures chosen by the applicant

Rates and terms are subject to change without notice until formally locked in writing by an approved lender.

4. No Guarantee of Credit Score Outcomes

Equity Smart Home Loans Burlington does not provide credit repair services. Any general information shared regarding credit profiles, credit improvement strategies, or credit score factors is educational in nature only and does not constitute financial, legal, or credit counseling advice. We make no guarantee, expressed or implied, that any action taken by an applicant will result in an improvement to their credit score or credit profile. Individual results vary significantly based on personal financial history and lender reporting timelines.

5. Third-Party Lenders and Partners

Equity Smart Home Loans Burlington works with a network of third-party lenders and financial institutions. We do not control and are not responsible for the lending decisions, practices, fees, or terms imposed by these independent entities. Each lender operates under its own licensing, compliance framework, and eligibility requirements. The availability of any particular loan program may vary and is not guaranteed.

6. Estimated Timelines Are Not Guaranteed

Any timelines referenced during consultations or in marketing materials — including but not limited to processing times, underwriting durations, or closing estimates — are estimates only. Typical mortgage processing timelines may range from approximately 21 to 60 days or more, depending on the complexity of the application, lender workload, documentation completeness, and third-party service providers such as appraisers and title companies. These estimates are not commitments and actual timelines may vary considerably.

7. Not Legal, Tax, or Financial Advice

The information provided by Equity Smart Home Loans Burlington, whether on this website, in consultations, or in any written or electronic communications, does not constitute legal, tax, accounting, or comprehensive financial planning advice. Applicants are encouraged to consult with a licensed attorney, certified public accountant, or independent financial advisor before making any significant financial decisions related to mortgage financing or real estate transactions.

8. Fair Lending and Equal Opportunity

Equity Smart Home Loans Burlington is committed to the principles of fair lending and equal opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, or any other characteristic protected by applicable federal, state, or local law, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA).

9. Privacy and Data Use

Personal and financial information collected during the inquiry or application process is used solely for the purpose of facilitating your mortgage inquiry and connecting you with appropriate lender partners. Equity Smart Home Loans Burlington is committed to protecting your personal data in accordance with applicable federal and state privacy laws. We do not sell your personal information to unaffiliated third parties for marketing purposes.

10. Licensing Information

Equity Smart Home Loans Burlington operates as a mortgage broker in the state of New Jersey. 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.

11. Contact Us

If you have questions about these disclosures or our services, please contact us:

• Business Name: Equity Smart Home Loans Burlington
• Address: 218 W Broad St, # 159, Burlington, NJ 08016
• Phone: +1 (640) 223-4213
• Email: [email protected]
• Hours: Monday – Sunday, 8:00 AM – 6:00 PM

These disclosures are subject to change without prior notice. We recommend reviewing this page periodically for updates.