Terms of Service

1. Acceptance of these terms

By accessing or using the HomePurchaseReady website (the "Site"), including our 60-second assessment, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. What HomePurchaseReady is

HomePurchaseReady is an educational resource that helps U.S. home buyers understand whether mortgage pre-approval should be their next step before buying a home. The Site provides general information and a self-assessment tool, and, where appropriate, may connect you with a licensed, independent mortgage broker.

3. No financial advice

Nothing on this Site constitutes financial, credit, legal, tax, or other professional advice. The assessment produces a general, educational result based on the information you provide, and does not take into account your full personal financial situation, objectives, or needs. You should seek advice from a licensed professional before making any financial decision.

4. No lending services

HomePurchaseReady is not a lender, bank, credit provider, or credit representative. We do not accept loan applications, assess creditworthiness, or make lending decisions of any kind. Completing our assessment is not an application for finance.

5. No guarantee of finance approval

Your assessment result is general in nature and is not a guarantee that you will be approved for pre-approval or any other form of finance, whether by a broker, lender, or any other party. Actual outcomes depend on a full assessment by a licensed lender or broker, based on information and criteria we have no visibility of or control over.

6. Third-party mortgage brokers

Where your result suggests it may be appropriate, and where you consent, we may introduce you to a licensed, independent mortgage broker. Any broker we introduce you to operates independently of HomePurchaseReady. We do not control, and are not responsible for, the advice, conduct, fees, or services provided by any third-party broker or lender. Any engagement you enter into with a broker is a separate arrangement between you and them.

7. SMS notifications

Registered loan officers may optionally consent to receive transactional SMS notifications from Home Purchase Ready relating to their account and home buyer enquiries. This consent is not mandatory, is separate from your acceptance of these Terms, and is never a condition of applying to or purchasing services from Home Purchase Ready. A loan officer who prefers not to receive SMS may choose email-only delivery and will still receive all account and enquiry-related communications by email.

Where a loan officer has opted in, messages may include:

• New home buyer enquiry notifications
• Account alerts
• Service updates
• Operational messages

Message frequency varies depending on enquiry activity. Message and data rates may apply according to your mobile carrier. Replying STOP withdraws your SMS consent at any time; Home Purchase Ready may continue sending necessary account and enquiry-related communications by email after an SMS opt-out. For assistance, reply HELP or contact karl@homepurchaseready.com.

Registered loan officers who opt in to SMS notifications are also subject to our dedicated SMS Terms & Conditions, which set out further detail about this program.

8. Account responsibilities

Registered loan officers and business partners agree to:

• Provide accurate contact information
• Maintain a valid mobile number if SMS notifications are enabled
• Keep account credentials secure
• Comply with all applicable lending laws and regulations
• Respond promptly to assigned home buyer enquiries where possible

9. Acceptable use

When using the Site, you agree that you will not:

• Provide false or misleading information in the assessment or contact form
• Attempt to gain unauthorized access to the Site or its underlying systems
• Use the Site for any unlawful purpose, or in a way that could damage, disable, or impair it
• Copy, scrape, or reproduce content from the Site without our permission
• Use automated means to access the Site other than standard search engine indexing

10. Intellectual property

All content on this Site, including text, graphics, logos, icons, and the assessment tool itself, is owned by or licensed to HomePurchaseReady and is protected by U.S. and international intellectual property laws. You may view and use the Site for your own personal, non-commercial purposes, but may not reproduce, distribute, or create derivative works from our content without prior written consent.

11. Disclaimer

Home Purchase Ready connects prospective home buyers with participating mortgage professionals in their area. Home Purchase Ready does not guarantee:

• Loan approval
• Consumer eligibility
• Exclusivity of home buyer enquiries, unless expressly agreed
• Conversion rates
• Financial outcomes

Each participating loan officer is solely responsible for complying with all applicable federal, state, and local laws governing mortgage lending.

12. Limitation of liability

To the maximum extent permitted by law, HomePurchaseReady excludes all warranties, whether express or implied, regarding the accuracy, completeness, or reliability of the Site and its content. We are not liable for any loss or damage arising from your use of, or reliance on, the Site or your assessment result, including any decision to seek or not seek mortgage pre-approval. To the fullest extent permitted by law, HomePurchaseReady shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of the platform or the delivery of home buyer enquiries. Nothing in these terms excludes any right or protection that cannot lawfully be excluded under applicable U.S. federal or state consumer protection laws.

13. Indemnity

You agree to indemnify and hold HomePurchaseReady harmless from any claim, loss, or damage arising from your breach of these Terms or your misuse of the Site.

14. Changes to these terms

We may update these Terms of Service from time to time. Continued use of the Site after changes are published constitutes acceptance of the updated terms. The date at the top of this page reflects the most recent update.

15. Governing law

These Terms are governed by the laws of the United States and the state in which HomePurchaseReady operates, without regard to conflict of law principles. Any disputes arising from your use of the Site will be subject to the exclusive jurisdiction of the courts located within that state.

16. Contact us

If you have any questions about these Terms of Service, please get in touch:

• Via our contact form
• Email: karl@homepurchaseready.com