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The URefi.com Web Site is offered to you conditioned on
your acceptance without modification of the terms, conditions, and
notices contained herein. Your use of the URefi.com Web Site
constitutes your agreement to all such terms, conditions, and notices.
URefi.com is an equal opportunity lender.........
Underwriting Guidelines Click
HERE
Privacy and Protection Of Personal Information
URefi.com is committed to protecting your privacy. This Statement
of Privacy applies to the URefi.com Web site and governs data
collection and usage at the URefi.com site and services; it does not
apply to other link, site, service or good online or offline claiming
to be associated with URefi.com.
URefi.com and its operational service partners collect and use your
personal information to operate URefi.com and deliver the services or
goods you have requested. URefi.com also uses your personal
information to inform you of other products or services available from
URefi.com and its affiliates. URefi.com does not sell, rent or lease
its customer lists to third parties.
URefi.com does not use or disclose sensitive personal information,
such as race, religion, or political affiliations, without your
explicit consent.
URefi.com may access and/or disclose your personal information if
required to do so by law or in the good faith belief that such action
is necessary to: (a) conform to the edicts of the law or comply with
legal process served on URefi.com or the site; (b) protect and defend
the rights or property of URefi.com (c) act under exigent
circumstances to protect the personal safety of users of URefi.com,
its web site, or the public.
URefi.com will occasionally update this Statement of Privacy to
reflect company and customer feedback. When URefi.com posts changes to
this Statement, you will see the word "updated" next to the Privacy
Statement link on the front page of URefi.com. If there are material
changes to this Statement or in how URefi.com will use your personal
information, URefi.com will prominently post such changes prior to
implementing the change. URefi.com encourages you to periodically
review this Statement to be informed of how URefi.com is protecting
your information.
URefi.com reserves the right to change the terms, conditions, and
notices under which the URefi.com Site/Services are offered, including
but not limited to the charges associated with the use of the
URefi.com Site/Services. You are responsible for regularly reviewing
these terms and conditions and additional terms posted on particular
websites. Your continued use of the URefi.com Site/Services
constitutes your agreement to all such terms, conditions, and notices.
UBE/SPAM Policy
The abuse and misuse of E-Mail is a serious problem, and URefi.com
will not tolerate it in anyway. Report any SPAM mail to
ehopkins@urefi.com and it will
be dealt with in the appropriate manner.
Links To Third Party Sites
The URefi.com Site may contain images of and links to third party
Web sites ("Linked Sites"). The Linked Sites are not under the control
of URefi.com and URefi.com is not responsible for the contents of any
Linked Site, including without limitation any link contained in a
Linked Site, or any changes or updates to a Linked Site. URefi.com is
not responsible for webcasting or any other form of transmission
received from any Linked Site nor is URefi.com responsible if the
Linked Site is not working appropriately. URefi.com is providing these
links to you only as a convenience, and the inclusion of any link does
not imply endorsement by URefi.com of the site or any association with
its operators. You are responsible for viewing and abiding by the
privacy statements and terms of use posted at the Linked Sites.
Rates and Programs
The URefi.com Site may contain floating rate quotes.
Stated rates are for select individuals who qualify for Platinum rates
with 720 FICO scores. Sometimes great work history and/or
payment history may qualify you for these rates. Every bank
takes in consideration your LTV (Loan to value) DTI (Debt to income of
45% or less) and Credit Score of 600 or more. Banks will not
consider applications with Bankruptcies in the last two years or any
kind of Credit counseling in the last two years also. Doublewide
and Triplewide home owners receive better rates than those with
singlewide homes. Singlewide homes depreciate faster and
therefore are more risky for banks to underwrite.
Debt consolidation loans, and cash out refinancing
are considered if the home is below 80% LTV with no exceptions!
URefi.com is not in the business of doing appraisals for your home;
and we are not responsible for any misrepresentation of information
you give to our lenders. In the event of your misrepresentation
of your information you hold URefi.com and its agents harmless of
lawsuits or any other form of legal action based on your negligence.
Goods and Services Policy
URefi.com is a licensed to do business with a specific EIN and have
such complied with state and federal law regarding the payment of
taxes on employment, item and goods sold. URefi.com is a merchant of
specific goods and services and will comply with federal and state
merchant policies in regards to the good offered. URefi.com is
an equal opportunity lender.
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