CRESTICO, INC. – CalBRE 01861921, NMLSR ID 275201, DBO-CFLL 603L103

CRESTICO, INC. DBA Crestico Realty & Crestico Funding operates the web site at www.crestico.com and many other domain names (“Site”). We respect the privacy of each user of the Site (referred to as “you” or “a user”), whether you are just beginning your real estate and mortgage search or have previously visited our Site. This Privacy Statement gives you specific information about how we protect your privacy, how we treat information we collect on the Site that identifies an individual user (“Personal Information”), and how we use aggregated information. At CRESTICO, INC., your privacy is very important to us. The purpose of this privacy policy is to provide you with a description of the types of information we collect about you when you visit our sites BY REGISTERING FOR OR USING THE SITE, YOU SIGNIFY YOUR ACCEPTANCE OF THIS PRIVACY STATEMENT. IF YOU DO NOT AGREE TO THIS PRIVACY STATEMENT, YOU CANNOT USE THE SITE. This policy only applies to information collected while you are on our Site pages. These pages may contain links to other Web sites, including sites of third parties who have a relationship with CRESTICO, INC. or our franchise network of independently owned offices and their affiliated real estate professionals. These third party sites may include sites of service providers who are permitted to display a CRESTICO, INC. logo pursuant to a co-branding agreement. Please be aware that when you click on a link that takes you to another Web site, any information you provide, including financial information, is subject to the privacy policy of that site. CRESTICO, INC. does not control and is not responsible for the practices of such sites. These third party sites may include sites of service providers who are permitted to display a CRESTICO, INC. logo pursuant to a co-branding agreement. Please be aware that when you click on a link that takes you to another Web site, any information you provide, including financial information, is subject to the privacy policy of that site. CRESTICO, INC. does not control and is not responsible for the practices of such sites. What information do we collect?

  •  We collect information from you when you fill out a form.
  • Any data we request that is not required will be specified as voluntary or optional.
  • We collect personally identifiable information (including, but not limited to, name, address and phone number) that is voluntarily provided to us by you.
  • When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.
  • Google, as a third party vendor, uses cookies to serve ads on your site. Google’s use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
  • Aggregate information.
    • Aggregate information is non-personally identifiable or anonymous information about you, including the date and time of your visit, your IP address, your computer browser information, the Internet address that you visited prior to and after reaching our site, the name of the domain and host you used to access the Internet, and the features of our Site which you accessed.

What do we use your information for? Any of the information we collect from you may be used in one of the following ways:

  • To personalize your experience (your information helps us to better respond to your individual needs)
  • To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
  • To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
  • To send periodic emails
  • The email address you provide for order processing, may be used to send you information and updates pertaining to your order or request, in addition to receiving occasional company news, updates, promotions, related product or service information, etc.
  • Participate in a survey or sweepstakes

Note: If at any time you would like to unsubscribe from receiving future emails, please send an email to [email protected] with the word REMOVE in the subject line. All requests will be processed in 24-72 hours. How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you submit a request or access your personal information. These security measures include: password protected directories and databases to safeguard your information or SSL (Secure Sockets Layered) technology to ensure that your information is fully encrypted and sent across the Internet securely. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers. Do we use cookies? Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. Third party links Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. California Online Privacy Protection Act Compliance Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent. Children’s Online Privacy Protection Act Compliance We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older. CAN-SPAM Compliance We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information. Your Consent By using our site, you consent to our privacy policy. Changes to our Privacy Policy If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date below. Policy changes will apply only to information collected after the date of the change. (If we consider it appropriate, we may also provide additional notice of significant changes.) Your use of the Site after the date of the last modification listed at the beginning of this Privacy Statement indicates to us that you agree to the changes. This policy was last modified on 01/01/2014 Contacting Us If there are any questions regarding this privacy policy you may contact us using the information below. CRESTICO, INC. 22935 Ventura Blvd. Suite 201 Woodland Hills, CA 91364 United States [email protected] Privacy Policy Customer Pledge We pledge to you, our customer, that we have made a dedicated effort to bring our privacy policy in line with the the following important privacy laws and initiatives:

  • Federal Trade Commission Fair
  • California Online Privacy Protection Act
  • Children’s Online Privacy Protection Act
  • Privacy Alliance
  • Controlling the Assault of Non-Solicited Pornography and Marketing Act
CRESTICO, INC., fully support the principles of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968), as amended, which generally prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability). In addition, each and every CRESTICO, INC., office is contractually required to comply, in all respects, with all laws, rules and regulations applicable to the real estate industry, including without limitation, the requirements imposed by the Fair Housing Act. As an adjunct to the foregoing commitment, both CRESTICO, INC. actively promote, and are committed to, creating and fostering an environment of diversity throughout their respective organizations and franchise systems, and each views such a concept as a critical component to the on-going success of their business operations.

YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS “TERMS OF USE”. CLICKING ONTO WEB PAGES BEYOND THE WEBSITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY Email, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.

 

WEBSITE OWNERSHIP

This website is owned and operated by Crestico, Inc., 22935 Ventura Blvd. Suite 201, Woodland Hills, CA 91364, which is referred to below as “CRESTICO” or “Crestico Realty” or “Crestico Funding” or “Web Site” or “we” or “us” or “Company” or “our.”

PERMITTED USE

You agree that:

  1. your use of this website is subject to and governed by these Terms of Use,
  2. you will only access or use this website and transact business with us if you are at least 18 years old,
  3. you will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website,
  4. each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
  5. these Terms of Use are a legally binding agreement between you and CRESTICO that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with CRESTICO as a bona fide client of CRESTICO; you may not use or attempt to use this website or any part of this site for any purpose:

  1. that interferes with or induces a breach of the contractual relationships between CRESTICO and its employees,
  2. that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
  3. that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited Email, unsolicited commercial communications,
  4. that transmits any harmful or disabling computer codes or viruses,
  5. that harvests Email addresses from this site,
  6. that transmits unsolicited Email to this site or to anyone whose Email address included the domain name under on this website,
  7. that interferes with our network services;
  8. that attempts to gain unauthorized access to our network services,
  9. that suggests an express or implied affiliation with CRESTICO or broker relationship with CRESTICO (without the express written permission of CRESTICO),
  10. that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
  11. that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with CRESTICO as a bona fide client of CRESTICO.
  12. that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
  13. that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
  14. that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
  15. that harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
  16. that dilutes or depreciates the name and reputation of CRESTICO or any of its affiliates;
  17. that transmits or uploads any content or images that infringes any third party’s intellectual property rights or infringes any third party’s right of privacy; or
  18. that unlawfully transmits or uploads any confidential, proprietary or trade secret information.

ACCESS TO THIS WEBSITE

CRESTICO reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.

USE OF THIS WEBSITE

You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website. All other marks used on this website are the property of their respective owners.

  • all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
  • all rights associated with the Web Page Content are owned by CRESTICO, its licensors, or content providers.

Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or Email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, Email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:

  • in or as any meta-tag or hidden text;
  • in or as part of any contextual marketing directory, index, or triggering term;
  • as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
  • as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.

Submissions: You acknowledge and agree that all submissions to CRESTICO containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge CRESTICO’s unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.

LOCATION

You understand and acknowledge that CRESTICO controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.

USER IDS AND PASSWORDS

Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify CRESTICO immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

INDEMNIFICATION

If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify CRESTICO and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of CRESTICO and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use. WHAT YOU SHOULD KNOW The goal of this Web Site is to provide you with access to the most comprehensive network of residential real estate products/services and related links to meet your needs (the “Content”). Please read our Terms of Use (the “Terms”) carefully before continuing on with your use of this Web Site. These Terms shall govern the use of the Web Site and apply to all Internet traffic visiting the Web Site. By accessing or using this Web Site, you agree to the Terms. The Terms are meant to protect all of our Web Site visitors and your use of this Web Site signifies your agreement with these Terms. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THIS WEB SITE. CRESTICO, INC. (“We”, “Us”, “Our”) reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms at any time. Such modifications shall be effective immediately upon posting. By using this Web Site after we have posted notice of such modifications, alterations or updates you agree to be bound by such revised Terms. In accordance with our goals, this Web Site will permit you to link to many other web sites, that may or may not be affiliated with this Web Site and/or CRESTICO, INC., and that may have terms of use that differ from, or contain terms in addition to, the terms specified here. Your access to such web sites through links provided on this Web Site is governed by the terms of use and policies of those sites, not this Web Site. PRIVACY Registration data and certain other information about you is subject to our Privacy Policy. For more information, please review our full Privacy Policy. TRADEMARKS, COPYRIGHTS AND RESTRICTIONS This Web Site is controlled and operated by CRESTICO, INC.

All content on this Web Site, including, but not limited to text, images, illustrations, audio clips, and video clips, is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by U.S. and worldwide copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes), and are owned and controlled by CRESTICO, INC. or its affiliates, or by third party content providers, merchants, sponsors and licensors (collectively “Providers”) that have licensed their content or the right to market their products and/or services to CRESTICO, INC. . Content on this Web Site or any web site owned, operated, licensed or controlled by the Providers is solely for your personal, non-commercial use. You may print a copy of the Content and/or information contained herein for your personal, non-commercial use only, but you may not copy, reproduce, republish, upload, post, transmit, distribute, and/or exploit the Content or information in any way (including by e-mail or other electronic means) for commercial use without the prior written consent of CRESTICO, INC. or the Providers. Without the prior written consent of CRESTICO, INC. or the Providers, your modification of the Content, use of the Content on any other web site or networked computer environment, or use of the Content for any purpose other than personal, non-commercial use, violates the rights of the owners of CRESTICO, INC. and/or the Provider copyrights, trademarks or service marks and other proprietary rights, and is prohibited. As a condition to your use of this Web Site, you warrant to CRESTICO, INC. that you will not use our Web Site for any purpose that is unlawful or prohibited by these Terms, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, nor in violation of the Acceptable Use Policy of the Web Site hosting service provider, which can be accessed at http://www.hotdomainltd.com. If you violate any of these Terms, your permission to use our Web Site immediately terminates without the necessity of any notice. CRESTICO, INC. retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. You may not use on your web site any trademarks, service marks or copyrighted materials appearing on this Web Site, including but not limited to any logos or characters, without the express written consent of the owner of the mark or copyright. You may not frame or otherwise incorporate into another web site any of the Content or other materials on this Web Site without prior written consent of CRESTICO, INC.. PROHIBITED ACTIVITIES You are specifically prohibited from any use of this Web Site, and You agree not to use or permit others to use this Web Site, to: (a) take any action that imposes an unreasonable or disproportionately large load on the Web Site’s infrastructure, including but not limited to “spam” or other such unsolicited mass e-mailing techniques; (b) disclose or share the assigned confirmation numbers and/or passwords with any unauthorized third parties or use the assigned confirmation numbers and/or passwords for any unauthorized purpose; (c) attempt to decipher, decompile, disassemble or reverse engineer any of the software or HTML code comprising or in any way making up a part of this Web Site; (d) upload, post, email or otherwise transmit any information, Content, or proprietary rights that You do not have a right to transmit under any law or under contractual or fiduciary relationships; (e) violate any applicable local, state, national or international law, including, but not limited to, any regulations having the force of law; or (f) use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy our Web pages, or the Content without our prior written permission, provided that generally available third party Web browser such as Netscape Navigator® and Microsoft Internet Explorer® may be used without such permission. LINKS This Web Site may contain links to other web sites (“Linked Sites”). The Linked Sites are provided for your convenience and information only and, as such, you access them at your own risk. The content of any Linked Sites is not under CRESTICO, INC.’s control, and CRESTICO, INC. is not responsible for, and does not endorse, such content, whether or not CRESTICO, INC. is affiliated with the owners of such Linked Sites. You may not establish a hyperlink to this Web Site or provide any links that state or imply any sponsorship or endorsement of your web site by CRESTICO, INC., or its affiliates or Providers. DISCLAIMER OF WARRANTIES AND LIABILITY ALL CONTENT ON THIS WEB SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE U.S. LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION, CRESTICO Real Estate DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER CRESTICO Real Estate, ITS AFFILIATED OR RELATED ENTITIES, NOR THE PROVIDERS, NOR ANY PERSON INVOLVED IN THE CREATION, PRODUCTION, AND DISTRIBUTION OF THIS WEB SITE WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT THAT YOU ACCESS ON THIS WEB SITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATION ONLY. CRESTICO Real Estate DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE, OR AS TO THE RELIABILITY, ACCURACY OR CURRENCY OF ANY INFORMATION CONTENT, SERVICE AND/OR MERCHANDISE ACQUIRED PURSUANT TO YOUR USE OF THIS WEB SITE. YOU EXPRESSLY AGREE THAT USE OF THIS WEB SITE IS AT YOUR SOLE RISK. YOU (AND NOT CRESTICO Real Estate) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF YOUR SYSTEM. YOU EXPRESSLY AGREE THAT NEITHER CRESTICO Real Estate , NOR ITS AFFILIATED OR RELATED ENTITIES (INCLUDING ITS PROVIDERS AND ITS WEB HOSTING SERVICE PROVIDERS, AND THEIR SUPPLIERS), NOR ANY OF THEIR RESPECTIVE EMPLOYEES, OR AGENTS, NOR ANY PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, DISTRIBUTION, HOSTING, AND/OR OPERATION OF THIS WEB SITE, IS RESPONSIBLE OR LIABLE TO ANY PERSON OR ENTITY WHATSOEVER FOR ANY LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE), INJURY, CLAIM, LIABILITY OR OTHER CAUSE OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON OR RESULTING FROM THE USE OR ATTEMPTED USE OF THIS WEB SITE OR ANY OTHER LINKED SITE (INCLUDING, WITHOUT LIMITATION, USE OF OR ACCESS TO ANY RELATED SOFTWARE OR HARDWARE). BY WAY OF EXAMPLE, AND WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, CRESTICO Real Estate AND RELATED PERSONS AND ENTITIES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CLAIM OR DAMAGE ARISING FROM FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION, COMPUTER VIRUS, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO OR ALTERATION OF PERSONAL RECORDS, OR THE RELIANCE UPON OR USE OF DATA, INFORMATION, OPINIONS OR OTHER MATERIALS APPEARING ON THIS WEB SITE. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT CRESTICO Real Estate IS NOT LIABLE OR RESPONSIBLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SUBSCRIBERS OR THIRD PARTIES. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH JURISDICTIONS, CRESTICO Real Estate ‘S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. INDEMNIFICATION You agree to indemnify, defend, and hold harmless CRESTICO Real Estate , the Providers, and Web Site hosting service providers, and its and their officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation by you of these Terms THIRD PARTY RIGHTS These Terms are for the benefit of CRESTICO Real Estate, its Providers, and Web Site hosting service providers, and its and their officers, directors, employees, affiliates, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its or their own behalf. JURISDICTIONAL ISSUES Unless otherwise specified, the Content contained in this Web Site is presented solely for your convenience and/or information. This Web Site is controlled and operated by CRESTICO, INC. from its offices within California. CRESTICO, INC. makes no representation that Content in its Web Site is appropriate or available for use in other locations. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. You may not use or export the materials in this Web Site in violation of U.S. export laws and regulations. These Terms shall be governed by, construed and enforced in accordance with the laws of the State of New Jersey, as they are applied to agreements entered into and to be performed entirely within such State. Any action you, any third party or CRESTICO, INC. brings to enforce these Terms, or in connection with any matters related to this Web Site, shall be brought only in either the state or Federal courts located in and for Morris County, New Jersey and you expressly consent to the jurisdiction of said courts. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed sever able from these Terms and shall not affect the validity and enforceability of any remaining provisions. ENTIRE AGREEMENT The provisions and conditions of these Terms, and each obligation referenced herein, represent the entire Agreement between CRESTICO, INC., its affiliated or related entities, and you, and supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between these Terms and any future published terms of use or understanding.

GENERAL DISCLAIMER CRESTICO, INC. is an Equal Housing Opportunity Broker/Lender Licensed by California Bureau of Real Estate LIC.# 01861921 & NMLSR ID 275201 & Department of  California Business Over Sight License #603L103. This information is not intended to be a disclosure as defined by Federal Reserve REG Z RESPA, or any state law, regulation or statue. This information is not indented nor should be construed as an advertisement to promote consumer credit as defined by Title 12, Code of Federal Regulations Section 226.2. Rates and Program are subject to change without notice. Not everyone will qualify. This is not a commitment to lend. Some products may not be available in all states. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. Our service is 100% completely free and there is no cost to submit a quote request, get matched with service providers, and receive mortgage offers. Of course, you will be responsible for paying any closing costs, loan processing fees, or other fees directly to the lender that you choose to close your loan with. The rate and payment referenced on our site or in any advertisement is for guidance and is based on available rates and terms from our lender network. The interest rate, APR, and terms that you are offered may vary based on your mortgage loan request and are determined by the lenders that you are matched with. There is a possibility that you may not be matched with the particular service provider that is making this example offer. Advertised rates are subject to change daily without notice.  LOAN COMPARISONS The loan comparisons above are presented as an estimate of possible mortgage scenarios and are for illustrative purposes only. Rates and pricing may differ according to loan amount. Monthly payments are principal and interest only and do not include taxes, insurance or any other fees that may apply, which will result in a higher actual payment. A monthly PMI payment may apply as well as an upfront funding fee. ASSUMPTION Rates and pricing may differ depending on actual loan amount, credit scores and property value. Property Tax, Home Owners Insurance, Title, Escrow and Additional Third Party Fee may apply.  For the following consumer segment: Loan Amount between $300 to $417K, 760+ FICO, LTV <=75%, SFR, Primary Home, Rates, points and APRs shown are for a 15-day lock, monthly escrowing of taxes & insurance & MIP if required. Rates and terms vary and are subject to change based on specific lender requirements and fluctuations in interest rate markets. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. All credit decisions will vary based upon your loan request and credit profile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets. $175,000 for $701/month – Disclosure current as of September 15th, 2014.

  •  The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $701 based upon a loan amount of $175,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$200,000 for $801/month – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $801 based upon a loan amount of $200,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.625 discount points (and $1,250 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

$250,000 for $1001/month – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $1001 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.375 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

3.8% FIXED Rate (3.9 APR) – Disclosure current as of September 15th, 2014.

  • The advertised rate is a 30 Year Fixed loan with a 30-year fully amortizing term.
  • The Annual Percentage Rate (APR) is 3.9%
  • The monthly payment is $1164 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 1.00 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% FIXED Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

  • The advertised rate is a 15 Year Fixed loan with a 15-year fully amortizing term.
  • The Annual Percentage Rate (APR) is 3.0%
  • The monthly payment is $1690 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 1.00 discount points (and $937 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2.7% Rate (3.0 APR) – Disclosure current as of September 15th, 2014.

  • The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year fully amortizing term
  • The initial interest rate 2.7% is fixed for 5 years
  • The Annual Percentage Rate (APR) of 3.0% is variable and is subject to an increase or decrease after the initial period and may adjust every year
  • Initial monthly payment is $1001 based upon a loan amount of $250,000
  • Interest rate quoted assumes a FICO score of 740 with a maximum loan-to-value ratio of 80% on a single family primary residence with a balance up to $417,000
  • The disclosed APR is based on 0.875 discount points (and $1,531 in fees)
  • Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

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