Legal

No Refi Terms & Conditions

This offer applies only to first-lien mortgage refinance loans brokered by Dwell Mortgage and is not valid for subordinate, simultaneous, or HELOC closings. Reverse mortgage loans are not eligible. The offer waives only the lender fee charged by the lender/investor the client chooses for their refinance, typically called underwriting. This offer does not cover discount points, mortgage origination, which can also be called originator compensation or any third-party charges such as processing, title, settlement, appraisal, credit report, commissions, or similar service fees. In plain english, this offer does not remove Dwell’s ability to charge and make profit on any refinance loan, nor charge valid third party fees Dwell has no control over.

To qualify, you must have closed a previous first-lien mortgage (purchase) loan(s) brokered by Dwell Mortgage LLC on or after January 1, 2023, and at least six (6) months before submitting a new application.

Refinancing your existing loan may increase the total amount of interest you pay over the life of the loan. All loans are subject to credit and underwriting approval. Additional terms, conditions, and restrictions may apply. Contact us for full details.

Disclosures

By creating an account or submitting a loan application you agree to our Terms of Use and our Privacy Policy. You also expressly consent to participate in the transaction electronically, including the use of electronic records and signatures, rather than submitting and receiving documents in paper form. You also expressly consent to receive messages regarding this inquiry as well as marketing and other messages from Dwell Mortgage LLC or its mortgage lending subsidiaries by phone (including auto-dialed, artificial, or prerecorded phone calls) and/or text messages (SMS and MMS) to the phone number(s) you provide; acknowledge of this consent is not a condition of purchasing any goods and/or services; and confirm this action constitutes your signature. Message and data rates may apply. Reply STOP at any time to remove yourself from SMS Communication.

In accordance with the legal Equal Credit Opportunity Act, Dwell Mortgage LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Decision times are usually within 48 hours. Preapproval is determined by a number of factors. Not everyone will qualify.

SMS Opt Out / Opt In

We use SMS or Text Messaging communication as a courtesy to our clients and partners. By providing your phone number and opting into SMS communications, you agree to receive text messages from Dwell Mortgage. SMS communications are governed by the SMS Terms & Conditions and Privacy Policy found on this page.

To “Opt Out” reply STOP at any time to remove yourself from SMS Communication. Please keep in mind that once you have “Opted Out” we cannot opt you back in manually. You would have to send an SMS to the number you had opted out of with the word START or UNSTOP.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or contact [email protected]

Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency may vary. For questions about your text or data plan, contact your wireless provider.

For privacy-related inquiries, please refer to our Privacy Policy on this page.

Legal Notice Regarding Our Mortgage, Payment Calculators, and Mortgage Tools

Our calculators and tools are intended for planning and education purposes only. The figures are based on the numbers shown on the payment calculator. The interest rate, APR, and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors. Chart data is for illustrative purposes only. Costs displayed here are not necessarily all inclusive and can vary based on numerous factors. Rates are subject to change without notice. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice and should not be used as your sole source of information.

Disclaimer About Mortgage Loan Products On The Website

This website provides information about certain lender loan programs and programs. All programs and information listed on this website are subject to change at any time, without prior notice. It is strongly recommended that visitors to this website contact one of our representatives to determine if the current loan guidelines meet their needs and what the current loan program guidelines are.

Notice About Non-Qualified Mortgages

Non-Qualified Mortgage products may have a higher interest rate, more points or more fees than other products requiring documentation.

Decision Times

Decision times are usually within 24 hours. There are times when the volume of pre-qualifications may slow the process down.

SMS Terms & Conditions

By providing your mobile phone number and opting in to receive SMS communications from Dwell Mortgage, you consent to receive text messages that may comprise of loan application updates, mortgage process notifications, appointment reminders, document requests, customer service communications, delivery of requested educational resources such as homebuyer guides and mortgage planning materials, rate update notifications, and occasional mortgage-related messages.

Message frequency varies depending on your interactions with us and the status of your loan process.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to any message. Once you opt out, you will no longer receive SMS messages from us unless you provide new consent.

For assistance, reply HELP to any message or contact us at [email protected].

Carriers are not liable for delayed or undelivered messages.

By opting in to receive SMS communications, you represent that you are at least 18 years of age.

Your participation in our SMS program is also governed by our Privacy Policy.

Privacy Policy

This Privacy Policy describes how Dwell Mortgage LLC ("Dwell Mortgage," "we," "us," or "our") collects, uses, shares, and protects information in connection with our mortgage brokerage services, this website, and all related platforms, applications, and communications.

Dwell Mortgage is a licensed mortgage brokerage that works with third-party investors and lenders to originate and close residential mortgage loans. As a financial institution under the Gramm-Leach-Bliley Act (GLBA), we are committed to protecting the privacy and security of your nonpublic personal information ("NPI").

This Privacy Policy applies to all visitors, prospective borrowers, loan applicants, clients, and other individuals who interact with Dwell Mortgage through any channel, including this website, our borrower portal, telephone, email, text message, or in-person communication.

By accessing this website, submitting an inquiry, completing a loan application, or otherwise providing information to Dwell Mortgage, you agree to the practices described in this Privacy Policy.

Information We Collect

We collect information in several ways: directly from you, from third parties involved in the mortgage process, and automatically through your use of our website and technology platforms.

Information You Provide Directly

When you inquire about our services, apply for a mortgage, or otherwise interact with Dwell Mortgage, you may provide:

• Contact information: name, email address, phone number, mailing address
• Identity verification information: Social Security number, date of birth, government-issued identification
• Financial information: income, employment history, tax returns, bank and investment account statements, asset documentation
• Credit information: authorization to obtain credit reports and credit scores
• Property information: address, property type, estimated value, intended use (primary residence, second home, investment)
• Loan information: desired loan amount, loan purpose (purchase, refinance, cash-out refinance), desired terms
• Military service status (for VA loan eligibility)
• Demographic information as required by federal reporting requirements (HMDA)
• Any other information you choose to provide in connection with your inquiry or loan application

Information from Third Parties

In connection with the mortgage origination process, we may receive information about you from:

• Credit reporting agencies (credit reports, credit scores)
• Your employer or income and employment verification services
• Appraisal management companies (property valuations)
• Title and escrow companies (title searches, ownership records, settlement data)
• Insurance providers (homeowners insurance, flood insurance, mortgage insurance)
• Government agencies (IRS tax transcripts, VA Certificate of Eligibility, USDA eligibility)
• Investors and lenders (loan program eligibility, pricing, approval decisions)
• Our loan origination system and borrower portal provider
• Technology service providers used in loan processing and document review

Information Collected Automatically

When you visit our website, we may automatically collect:

• Browser type and operating system
• IP address and general location information
• Pages visited, time spent on the site, and referring website
• Device identifiers
• Cookie data and similar tracking technologies

For more information about cookies, see the Web Technologies section below.

How We Use Your Information

We use the information we collect for the following purposes:

• To process and underwrite your mortgage loan application
• To verify the accuracy of information you provide
• To communicate with you about your inquiry, application, or loan
• To comply with federal and state regulatory requirements, including HMDA reporting, ECOA, TRID, and RESPA
• To provide customer support and respond to your questions
• To improve our services, website, and internal operations
• To send marketing communications about our products and services (with your consent or as permitted by law)
• To detect and prevent fraud
• To comply with legal obligations, regulatory requirements, and law enforcement requests
• To support internal operations, including AI-assisted processing, document review, and quality control

SMS Consent and Data Sharing

Dwell Mortgage respects your privacy and is committed to protecting your personal information.

SMS consent is not shared with third parties or affiliates for marketing purposes. Phone numbers collected for SMS communications are used solely for the purposes for which consent was provided.

SMS opt-in data, consent records, and associated personal information will not be sold, rented, shared, transferred, or otherwise disclosed to third parties or affiliates for their marketing or promotional purposes.

How We Share Your Information

We do not sell your personal information. We share information only as described in this Privacy Policy or as required by law.

Mortgage Transaction Parties

In connection with your loan application and closing, we may share your information with:

• Investors and wholesale lenders to whom your loan is submitted for approval and funding
• Appraisal management companies and licensed appraisers
• Title and escrow companies
• Flood certification vendors
• Homeowners insurance and mortgage insurance providers
• Settlement agents and closing attorneys
• Government agencies as required (FHA, VA, USDA, FHFA, HUD)

These parties receive your information as necessary to perform their roles in the mortgage transaction. Each is independently responsible for their own data handling practices and regulatory obligations.

Service Providers

We share information with service providers who assist in our business operations, including:

• Our loan origination system and borrower portal provider
• Credit report services
• Document management and storage providers
• AI-powered mortgage processing and document review technology providers (see AI Data Handling section below)
• Communication platforms (email, SMS, phone systems)
• Payment processing services
• Website hosting and analytics providers

All service providers who receive nonpublic personal information are contractually obligated to maintain appropriate safeguards consistent with the GLBA Safeguards Rule (16 CFR Part 314) and to use your information only for the purposes of providing services to Dwell Mortgage.

Legal and Regulatory Disclosures

We may disclose your information when required to comply with applicable federal or state law, regulation, or legal process; respond to lawful requests from law enforcement or government agencies; protect the rights, property, or safety of Dwell Mortgage, our clients, or others; or enforce our agreements and policies.

Business Transfers

In the event of a sale, merger, acquisition, or other disposition of all or a portion of Dwell Mortgage's business or assets, your information may be transferred to the acquiring entity. You will be notified of any such change and will have the opportunity to opt out of further secondary use of your information.

AI Data Handling

Dwell Mortgage uses artificial intelligence tools in certain aspects of our website operations and internal business processes. This section describes how AI interacts with your data. For additional information about AI tools on this website, see our Artificial Intelligence Terms of Service below.

AI-Powered Mortgage Technology Providers

Dwell Mortgage may use AI-powered technology platforms that assist with loan file processing, document classification, income analysis, condition generation, and other operational functions. These platforms are vetted service providers operating under written agreements that include:

• GLBA Safeguards Rule compliance obligations
• Contractual prohibitions on using borrower data for AI model training, fine-tuning, or product development without Dwell Mortgage's prior written consent
• Data security and confidentiality requirements
• SOC-2 Type II certification or equivalent security standards where available

These providers may receive borrower information, which may include nonpublic personal information, solely for the purpose of providing their contracted services to Dwell Mortgage. They are distinct from general-purpose AI platforms.

General-Purpose AI Platforms

Dwell Mortgage does not input, transmit, or process nonpublic personal information through general-purpose AI platforms, consumer AI chatbots, or AI tools not specifically designed and contracted for mortgage industry use. Our website chat assistant operates on general, non-identifying information only. You are advised not to enter SSNs, full account numbers, or other NPI into any chat tool on this website.

AI in Marketing and Content

AI tools used for marketing, content creation, and social media do not access, process, or incorporate your personal loan file information. AI-generated content on this website is reviewed by Dwell Mortgage staff before publication.

Data Security

Dwell Mortgage maintains administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. These safeguards include written information security policies and procedures, access controls limiting employee access based on business need, encryption of sensitive data in transit and at rest, and contractual obligations on service providers to maintain appropriate safeguards.

No method of electronic transmission or storage is 100% secure. While we strive to use commercially reasonable measures to protect your information, we cannot guarantee absolute security. We recommend that you do not send sensitive personal or financial information via unencrypted email.

Data Retention

We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with our legal and regulatory obligations, and to enforce our agreements. Retention periods vary based on the type of information and the purpose:

• Loan application files (funded): retained for a minimum of three (3) years following loan closing, and up to seven (7) years, consistent with federal and state requirements and investor guidelines
• Loan application files (withdrawn or denied): retained for a minimum of twenty-five (25) months consistent with ECOA and Regulation B requirements
• Website inquiry information: retained for the period necessary to respond to your inquiry and for a reasonable period thereafter
• Marketing and communication records: retained consistent with applicable TCPA and CAN-SPAM requirements

After the applicable retention period, information is securely destroyed or de-identified in accordance with our data destruction policies.

Data Breach Notification

In the event of a data breach involving your personal information, Dwell Mortgage will notify affected individuals in accordance with applicable state data breach notification laws, including but not limited to Washington State (RCW 19.255.010), California (Cal. Civ. Code 1798.82), and the breach notification laws of all other states where we are licensed and operate. Notification will be provided as promptly as practicable and without unreasonable delay, consistent with the needs of law enforcement and any measures necessary to determine the scope of the breach.

Your Rights

Depending on your state of residence, you may have the right to access the personal information we hold about you, request correction of inaccurate information, request deletion of your information (subject to legal and regulatory retention requirements), opt out of certain types of information sharing, and opt out of marketing communications.

To exercise any of these rights, contact Dwell Mortgage at the address provided below. We will respond to verifiable requests within the timeframes required by applicable law.

California Privacy Notice

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), may provide you with additional rights regarding your personal information, to the extent Dwell Mortgage meets the applicable thresholds. These rights may include the right to know what personal information we collect, use, and disclose; the right to request deletion of your personal information; the right to correct inaccurate personal information; the right to opt out of the sale or sharing of your personal information; and the right to non-discrimination for exercising your privacy rights.

Dwell Mortgage does not sell your personal information as defined under the CCPA. Certain information collected and shared in connection with the mortgage origination process is exempt from CCPA under the GLBA exemption (Cal. Civ. Code 1798.145(e)).

To submit a CCPA request, contact us at the address below or email [email protected].

Colorado Privacy Notice

If you are a Colorado resident, the Colorado Privacy Act (CPA) may provide you with additional rights regarding your personal data, to the extent Dwell Mortgage meets the applicable thresholds. These rights may include the right to access, correct, delete, and obtain a portable copy of your personal data, as well as the right to opt out of targeted advertising, the sale of personal data, and certain profiling activities. To submit a request, contact us at the address below.

State-Specific Privacy Protections

Residents of other states where Dwell Mortgage is licensed may be entitled to additional privacy protections under applicable state law. Privacy rights and protections vary by state and may change over time. To inquire about your rights under the laws of your state of residence, contact us at the address below.

Web Technologies and Cookies

A "cookie" is a small file assigned by the web server to your computer. The use of cookies allows us to identify which pages of the site are accessed and to improve your online experience. Cookies do not provide us access to your computer or personal information stored on your computer.

Most web browsers allow you to modify your settings to reject cookies. Declining cookies may interfere with your ability to use certain features of this website.

We may also use pixel tags, web beacons, and similar technologies to collect usage data for website analytics and to measure the effectiveness of our marketing.

Do Not Track Disclosure

Dwell Mortgage does not currently respond to Do Not Track (DNT) browser signals. To determine whether any of the third-party services we use respond to DNT signals, please review their respective privacy policies.

Children's Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from an individual under 18, we will take steps to delete that information promptly.

Third-Party Links

This website may contain links to third-party websites. Dwell Mortgage does not control and is not responsible for the content, privacy policies, or security practices of third-party websites. We encourage you to review the privacy policies of any third-party website before providing personal information.

Changes to This Privacy Policy

Dwell Mortgage reserves the right to update or modify this Privacy Policy at any time. The most current version will be available on this page with the updated effective date. Continued use of this website or our services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy, your privacy rights, or our data handling practices, contact us:

Terms of Use

This Website, and any of the services provided by Dwell Mortgage, LLC. in connection with this Website, is being provided to you subject to these Terms of Use, which govern your use of the site. Please read these Terms of Use carefully. By visiting and/or using this Website, including any of the services offered on this Website, you agree to be bound by these Terms of Use, whether or not you complete a transaction with Dwell Mortgage LLC; and, whether or not you complete your transaction on the Website or through the use of telephone, fax, email, postal mail, overnight delivery services, or otherwise. By using this Website you acknowledge that certain features of this Website and products and/or services of Dwell Mortgage, LLC. may be subject to additional terms, conditions, and disclaimers. If you do not agree to these Terms of Use, you are not authorized to use this Website, or any of the services that Dwell Mortgage, LLC. may offer through this website. Dwell Mortgage, LLC. reserves the right to, in its sole discretion and without notice, deny you access and/or use of this Website for any reason or no reason at all. Dwell Mortgage, LLC. is licensed as set forth on the Website which is incorporated into this Agreement by reference. The disclosures and consents required under certain state laws are deemed to be provided, received, and agreed to by your visit to and/or use of the website.

Information Subject to Change

Although Dwell Mortgage, LLC. has tried to provide accurate and timely information, the content of this site may not be accurate, complete and/or current and may include typographical errors or technical inaccuracies. The information and materials contained in these pages, and the terms, conditions and descriptions that appear on this site, are subject to change at any time without notice. Dwell Mortgage, LLC. may change the products, services and other information identified on this site at any time. Applicable terms, conditions and eligibility requirements are subject to change and not all products and services are available in all geographic areas. The information published on this site is provided as a convenience to our visitors and is for informational purposes only. You should verify all information before relying on it and any decisions which you may make based upon the information contained on this site shall be at your sole risk and responsibility. Your eligibility for particular products and services is subject to final approval, determination and acceptance by Dwell Mortgage, LLC. in its sole and absolute discretion, notwithstanding your visit to and/or use of this Website.

Other Sites

This site may contain links to other sites on the Internet and such links are provided solely for the convenience of our visitors. Dwell Mortgage, LLC. does not, unless otherwise expressly stated, endorse, control, approve or sponsor the linked sites or advertisements contained thereon. Dwell Mortgage, LLC. hereby disclaims liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and Terms of Use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of Dwell Mortgage, LLC.. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Disclaimer of Warranties

The information and materials contained in this site, including text, graphics, links or other items, are provided "as-is" and "as available" and Dwell Mortgage, LLC. does not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including, but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, or other malware, is given in conjunction with such information and materials. You acknowledge that neither Dwell Mortgage, LLC., its affiliates nor any of their respective employees, agents, third party content providers or licensors warrant that the services or the site will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the services or the site, or as to the timeliness, sequence, accuracy, reliability, completeness or content of any information, service, or merchandise provided through the services and the site. Dwell Mortgage, LLC. does not endorse products or services appearing on linked sites or purchased via linked sites. Except as specifically provided in this agreement or where the law requires a different standard, you agree that Dwell Mortgage, LLC. is not responsible for any loss, property damage or bodily injury, whether caused by access to or use of the services or the site. To the maximum extent permissible under applicable law, Dwell Mortgage, LLC. will not be responsible to you or any third party claiming through you for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation or use of the services, the site, any on-line services or internet browser software, including liability associated with any computer viruses which may infect your computer system.

Limitation of Liability

In no event will Dwell Mortgage, LLC. be liable for any damages, including, without limitation: direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or link or system failure, even if Dwell Mortgage, LLC., or representatives thereof are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by Dwell Mortgage, LLC.

Indemnification

You agree to defend, indemnify and hold harmless Dwell Mortgage, LLC., its affiliates, vendors and all directors, officers, employees and agents of Dwell Mortgage, LLC. and its affiliates and vendors from and against any claim, demand, damages, liabilities, suit, expenses, costs or proceeding, including attorney's fees and court costs, that relates to or is based on your violation of these Terms of Use or misuse of the Website, or any services available from Dwell Mortgage, LLC. through the Website, including such violation or misuses conducted by your employee or agent, if applicable.

No Unlawful or Prohibited Use

As a condition of your use of this Website, you agree and warrant to Dwell Mortgage, LLC. that you will not use or access this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If your use or access violates any law or any of these terms or conditions, your permission to use the Website automatically terminates.

Website Security

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation: (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. Dwell Mortgage, LLC. will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Copyrights and Trademarks

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement is owned/licensed by Dwell Mortgage, LLC., unless otherwise Dwell Mortgage, LLC., indicated, and are protected by U.S. copyright laws and international treaties. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. You are authorized to view the information available on the Website for your informational purposes only. If you download any information from this site for your personal reference you shall not obscure any copyright, trademark or other notices, and you acknowledge and agree that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material including by storage on retrieval systems, without the express written permission of Dwell Mortgage, LLC.. Deliberate misuse of this site is expressly prohibited and Dwell Mortgage, LLC. reserves the right to terminate your access to this site at any time for any reason and to advise the legal authorities of any misuse of this site, including, without limitation, hacking and the introduction of viruses or other malware. Dwell Mortgage is a Common Law trademark or tradename owned by Dwell Mortgage LLC. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website except as authorized in this paragraph. You may not use any of the Dwell Mortgage LLC trademarks as a link to the Website except pursuant to a written trademark license agreement.

Email & Online Information Requests

Please note that messages you send Dwell Mortgage, LLC. by e-mail may not be secure and Dwell Mortgage, LLC. recommends that you do not send any confidential information to Dwell Mortgage, LLC. by e-mail. If you choose to send confidential information to Dwell Mortgage, LLC. via e-mail, you accept all risk that such information may be intercepted by a third party. By submitting your information to Dwell Mortgage, LLC. through this Website or by any other method, you are inquiring about loan products and/or other Dwell Mortgage, LLC. services and give Dwell Mortgage, LLC. permission to contact you via e-mail, telephone, letter, fax or using any other information you provide, regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry.

Communications with Dwell Mortgage, LLC.

By submitting any comment, complaint, suggestion, improvement, idea, testimonial or other communication ("Submission" or collectively "Submissions") to Dwell Mortgage, LLC. through this Website or any other method, you acknowledge and agree that any and all Submissions, and all rights therein, become the sole and exclusive property of Dwell Mortgage, LLC., including any future rights, regardless of any subsequent modification or deletion of the provisions in the Terms of Use. You acknowledge and agree that you irrevocably disclaim any right in the Submission and that the right to use, publish, display, commercially exploit, and create derivative ideas based on the Submission belong exclusively to Dwell Mortgage, LLC. with no compensation, notice, credit or other obligation being due or owed to you or anyone else. Dwell Mortgage, LLC. reserves the right to record and monitor any and all communications to Dwell Mortgage, LLC. By communicating with Dwell Mortgage, LLC. through any means, you consent to such communications being recorded and monitored.

Privacy

Dwell Mortgage, LLC. understands the need to safeguard your information from unauthorized use and disclosure. Please see the Dwell Mortgage, LLC. Privacy Policy by clicking on the link at the bottom of the Website.

General

Dwell Mortgage, LLC. reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Website. By continuing to use of the Website and the services available through it, after the date of any change to these Terms of Use, including accessing the Website, you agree to be bound by the rules contained in the most recent version of this Agreement.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Snohomish County, WA, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Contact and Violations

Please contact us with any questions regarding these Terms of Use. Please report any violations of the Terms of Use to 800-605-1626.

Coaching, Accountability & Recording

Clients and Coach

In this agreement, the term 'Coach' refers Dwell Mortgage LLC. and or it's employees. In this agreement, the term 'Client' refers to any person or entity that purchases or uses the services or programs provided by Dwell Mortgage LLC.

Definition of Coaching

Coaching is a partnership (defined as an alliance, not a legal business partnership) between the Coach and Client, in a thought-provoking and creative process that inspires the client to access and maximize their personal potential. It is designed to facilitate the development of Dwell Mortgage LLC. shared or created skills and tools and to develop and carry out a plan for achieving those objectives.

Coaching Is Not Medical Advice

The Client understands and agrees that coaching services provided by Dwell Mortgage LLC. are not to be used as a substitute for professional advice by legal, medical, or other qualified professionals. It is the Client's sole responsibility to seek professional guidance from qualified professionals as needed. By entering into an agreement with Dwell Mortgage LLC. the Client acknowledges and agrees to the terms of this clause regarding the limitations of coaching services provided by Dwell Mortgage LLC.

Recordings

Client understands that all Calls will be recorded, both video and audio. The recordings and any other materials prepared in the course of the production and distribution of the Calls become property of the Coach, and the Coach shall have the sole and exclusive right to use, exploit, and distribute such recording, throughout the world, in perpetuity. The Coach will limit exposure to the Client by not releasing the Client's last name. The Client understands and agrees that he or she shall receive no compensation for the Client's appearances on and participation in any of the recorded Calls.

Intellectual Property

Client acknowledge that the Coach is the owner or the licensee of all intellectual property rights and all other rights in the materials and content the Coach uses within the Call and all training sessions, both physical and online, and nothing in this Agreement or otherwise shall operate to transfer the ownership of the intellectual property rights in such material or content to the Client. You may not at any time copy, reproduce, publish in any form, share, sell, dispose of, or otherwise make available to a third party in any way any of the content or materials that the Coach uses or provides.

Limited Liability

Except as expressly provided in this Agreement, the Coach makes no guarantees, representations or warranties of any kind or nature, express or implied with respect to the coaching services negotiated, agreed upon and rendered. In no event shall the Coach be liable to the Client for any indirect, consequential, or special damages. Notwithstanding any damages that the Client may incur, the Coach's entire liability under this Agreement, and the Client's exclusive remedy, shall be limited to the amount actually paid by the Client to the Coach under this Agreement for all coaching services rendered through and including the termination date.

Recordings and Marketing Materials

By participating in our services, you acknowledge that Dwell Mortgage LLC. may record audio and/or video of sessions for marketing purposes. You grant us a non-exclusive license to use these recordings in marketing materials, including testimonials and promotional content. If you do not wish to be recorded or have your recordings used for marketing, please notify us in writing at [email protected] before participating. We will provide notice when recording is taking place in jurisdictions requiring consent. Your continued participation constitutes consent.

Artificial Intelligence Disclaimer

By accessing this website, using any feature on this site, or submitting any inquiry, contact form, or loan application through this site, or any of our other supported or referenced sites you agree to be bound by these Artificial Intelligence Terms of Service, including Dwell Mortgage LLC's use of AI tools in its website operations, client communications, loan file processing, and marketing activities.

1. Introduction

These Artificial Intelligence Terms of Service ("AI Terms") govern your use of all AI-powered tools, features, and content available on the Dwell Mortgage LLC website, and your acknowledgment of Dwell Mortgage LLC's use of artificial intelligence in its internal business operations. These AI Terms apply to all visitors, prospective borrowers, and clients who access this website or submit any inquiry or application through it. These AI Terms are incorporated into and form part of Dwell Mortgage LLC's overall Terms of Service. To the extent of any conflict between these AI Terms and other provisions of the Terms of Service, these AI Terms govern with respect to AI-related matters.

2. Definitions

"AI Tools" refers to any artificial intelligence, machine learning, or automated decision-support technology deployed by Dwell Mortgage LLC, whether on this website or in internal operations, including chat assistants, content generation tools, document review tools, and communication drafting tools. "Chat Assistant" refers to the AI-powered virtual assistant available on this website that provides automated support and general mortgage information. "AI-Generated Content" refers to any text, summaries, educational materials, or informational content on this site that was created or assisted by AI tools. "AI Scenario Tools" refers to interactive tools on this site that allow users to estimate loan payments, explore mortgage scenarios, or assess general eligibility based on user-provided inputs. "End User" or "you" refers to any individual or entity accessing this website or using any AI Tool available through it. "NPI" refers to nonpublic personal information as defined under the Gramm-Leach-Bliley Act (GLBA) and Regulation P, including Social Security numbers, full financial account details, tax identification numbers, and other sensitive personal financial data.

3. AI Tools on This Website

3.1 Chat Assistant. Dwell Mortgage LLC operates an AI-powered chat assistant on this website to answer general questions about mortgage products, the loan process, and Dwell Mortgage services. The Chat Assistant is powered by a third-party AI platform. Conversations with the Chat Assistant provide general information only and do not constitute mortgage advice, a loan commitment, a loan estimate, or an application for credit.

3.2 AI-Generated Website Content. Certain informational content on this site, including educational articles, program summaries, and frequently asked questions, may be generated or assisted by AI tools. All AI-assisted content is reviewed by Dwell Mortgage staff for accuracy before publication. Mortgage guidelines, rates, and eligibility requirements change frequently. Content on this site may not reflect the most current program requirements or market conditions at any given time.

3.3 AI Loan Scenario and Qualification Tools. This site may include interactive tools that allow you to estimate payment ranges, explore loan scenarios, or assess general eligibility based on inputs you provide. These tools produce estimates only. Results are not a pre-qualification, pre-approval, loan commitment, or guarantee of any kind. Actual loan eligibility is determined through a formal application and underwriting process conducted by licensed mortgage professionals.

4. Consent to AI Use in Dwell Mortgage Operations

By submitting an inquiry, completing a contact form, initiating a chat, or providing your information through this website, you consent to Dwell Mortgage LLC's use of AI tools in the following operational areas:

4.1 Client Communications and Lead Follow-Up. Dwell Mortgage LLC may use AI-assisted tools to generate, draft, or support outreach communications, including emails and text messages, in connection with your inquiry or loan transaction. AI-assisted communications are reviewed and approved by licensed Dwell Mortgage staff before delivery. Any communication requiring a response or decision on your part will involve a licensed mortgage loan originator. You retain the right to opt out of AI-assisted communications at any time by notifying your assigned loan officer or contacting Dwell Mortgage directly. Opting out of AI-assisted communication does not affect your ability to apply for or obtain a mortgage.

4.2 Loan File Processing and Document Review. Dwell Mortgage LLC may use AI-powered technology platforms to support internal loan file organization, document review, income analysis, condition generation, checklist management, and processing workflows. These platforms are vetted mortgage technology service providers operating under written agreements that include GLBA Safeguards Rule compliance obligations, contractual prohibitions on using borrower data for AI model training without prior written consent, and data security requirements. These tools assist licensed staff and do not replace the judgment of licensed mortgage professionals. All underwriting decisions, credit decisions, and loan approvals are made by qualified human personnel and the applicable lending institution. Vetted AI-powered mortgage technology providers may receive and process borrower information, including nonpublic personal information, solely for the purpose of providing their contracted processing and document review services to Dwell Mortgage. These providers are contractually bound service providers operating under GLBA obligations, distinct from general-purpose AI platforms. For additional information about how these providers handle your data, see the AI Data Handling section of our Privacy Policy. Dwell Mortgage does not input nonpublic personal information into general-purpose AI platforms, consumer AI chatbots, or AI tools not specifically designed and contracted for mortgage industry use.

4.3 Marketing and Content Generation. Dwell Mortgage LLC uses AI tools to assist in the creation of marketing materials, social media content, email campaigns, and website content. AI-generated marketing content is reviewed by Dwell Mortgage staff before publication or distribution. AI tools used for marketing purposes do not access, process, or incorporate your personal loan file information.

5. What AI Does Not Do at Dwell Mortgage

To be clear about the boundaries of AI use in our operations:

• AI does not make credit decisions. Loan approvals, denials, and pricing decisions are made by licensed mortgage professionals and the applicable investor or lender.
• AI does not replace your loan officer. Your assigned loan originator is a licensed professional responsible for your file. AI tools assist their work; they do not replace it.
• AI does not access your NPI through general-purpose platforms. Dwell Mortgage does not transmit nonpublic personal information to general-purpose AI platforms, consumer AI chatbots, or AI tools not specifically designed and contracted for mortgage industry use. Vetted AI-powered mortgage technology providers that are contractually bound under GLBA obligations may receive borrower information solely for the purpose of providing their contracted services. See our Privacy Policy for details.
• AI does not guarantee outcomes. No AI tool, estimate, or communication implies approval, commitment, or guarantee of any loan term or program eligibility.

6. User Obligations

You agree to use all AI Tools on this website responsibly and in compliance with applicable laws and regulations. Specifically, you agree that you will not:

• Misuse the Chat Assistant or any AI Tool for any unlawful or unauthorized purpose
• Attempt unauthorized access to any AI system, tool, or underlying infrastructure
• Engage in any activity that disrupts, interferes with, or degrades the performance of any AI Tool
• Submit false, misleading, or fraudulent information to any AI Tool
• Use any AI Tool to obtain advice, estimates, or information with the intent to circumvent the formal mortgage application and underwriting process

7. No Reliance on AI Outputs

All AI Tools and AI-assisted content are provided for general informational and operational support purposes only. They do not constitute:

• Mortgage advice or financial advice
• A loan estimate, pre-qualification, or pre-approval
• A commitment to lend
• Legal, tax, or investment advice

You should not make financial decisions based solely on outputs or content generated by AI Tools on this site or in AI-assisted communications. Dwell Mortgage LLC strongly recommends speaking directly with your licensed loan officer before making any decisions related to financing a home purchase or refinance.

8. Intellectual Property

All intellectual property rights related to AI Tools developed, deployed, or operated by Dwell Mortgage LLC, including but not limited to copyrights, trademarks, and proprietary systems, are owned by or licensed to Dwell Mortgage LLC. You are prohibited from reproducing, distributing, reverse engineering, or modifying any AI Tool without the express written permission of Dwell Mortgage LLC. AI-generated content produced by third-party AI platforms and incorporated into this site is used in accordance with applicable platform terms and applicable law. Dwell Mortgage LLC makes no representation that AI-generated content is free from third-party intellectual property claims.

9. Privacy and Data Protection

9.1 NPI Protection. Dwell Mortgage LLC does not input, transmit, or process NPI through general-purpose AI platforms, consumer AI chatbots, or AI tools not specifically designed and contracted for mortgage industry use. You are advised not to enter sensitive personal or financial information into the Chat Assistant or any publicly accessible AI Tool on this website. If you need to share sensitive financial details, please contact a Dwell Mortgage loan officer directly. Vetted AI-powered mortgage technology providers that operate under written service agreements with Dwell Mortgage may receive and process borrower information, including NPI, solely for the purpose of providing their contracted mortgage processing, document review, or related services. These providers are contractually obligated to comply with the GLBA Safeguards Rule, maintain data security safeguards, and refrain from using borrower data for AI model training or any purpose unrelated to their contracted services. For additional information, see the AI Data Handling section of our Privacy Policy.

9.2 General Inputs. General, non-identifying inputs you provide to AI Tools on this site, such as estimated loan amounts, property types, or general credit ranges, may be processed by a third-party AI provider subject to that provider's data handling practices. Dwell Mortgage LLC does not sell or share personal information for advertising or marketing purposes unrelated to your mortgage inquiry.

9.3 Third-Party AI Providers. AI features on this site and in our operations may be powered by one or more third-party AI platforms. Dwell Mortgage selects AI service providers based on their data handling practices, security certifications, and willingness to contractually commit to GLBA-compliant safeguards. All AI service providers that receive borrower NPI are bound by written agreements requiring appropriate data security measures, restrictions on data use, and confidentiality obligations. Dwell Mortgage requires its AI service providers to maintain commercially reasonable security standards and prohibits them from using borrower data for AI model training, fine-tuning, or product development without Dwell Mortgage's prior written consent. While Dwell Mortgage exercises reasonable care in selecting and overseeing its AI service providers, no third-party system can guarantee absolute data security. Use of AI features on this site is also subject to the applicable third-party provider's terms of service and privacy policy. For additional detail on how Dwell Mortgage LLC collects, uses, and safeguards your personal information, please refer to our Privacy Policy above.

10. Accuracy and No Warranties

AI-generated content and tool outputs are provided "as is" without warranty of any kind, express or implied. Dwell Mortgage LLC does not warrant that:

• AI-generated content is complete, accurate, or current at any given time
• AI tool outputs are appropriate for your specific financial situation
• AI-assisted communications are free from error
• AI features will be available without interruption or error

Mortgage program guidelines, conforming loan limits, interest rates, and eligibility requirements are subject to change by agencies, investors, and regulators without notice. Always verify current requirements with your licensed Dwell Mortgage loan officer.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Dwell Mortgage LLC shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Your use of or inability to use any AI Tool on this site
• Reliance on any AI-generated content, output, or AI-assisted communication
• Any errors, inaccuracies, or omissions in AI-generated content
• Unauthorized access to or alteration of your inputs or data submitted through an AI Tool

You agree to indemnify and hold harmless Dwell Mortgage LLC, its officers, employees, and agents from any claims, losses, damages, or expenses, including reasonable attorneys' fees, arising from your use of any AI Tool or your violation of these AI Terms.

12. Not a Substitute for Licensed Mortgage Advice

No AI Tool, Chat Assistant, AI-generated content, or AI-assisted communication replaces the disclosures, analysis, or advice provided by a licensed mortgage professional. Dwell Mortgage LLC is a licensed mortgage brokerage in Washington State. All loan origination activity is conducted by licensed mortgage loan originators (MLOs) registered with the Nationwide Multistate Licensing System (NMLS).

13. Termination

Dwell Mortgage LLC reserves the right to terminate, suspend, or restrict your access to any AI Tool on this site at any time and for any reason, without notice. Upon termination of access, any obligations or rights under these AI Terms that by their nature should survive termination will continue in effect, including limitations of liability, intellectual property provisions, and dispute resolution obligations.

14. Dispute Resolution

Any disputes arising from or in connection with these AI Terms shall first be submitted to good-faith negotiation between the parties. If a resolution cannot be reached through negotiation, the parties agree to submit the dispute to mediation or binding arbitration in accordance with applicable law.

15. Governing Law and Venue

These AI Terms shall be governed by and construed in accordance with the laws of the State of Washington, United States, without regard to its conflict of law principles. Any legal actions or proceedings arising from or in connection with these AI Terms shall be brought exclusively in the state or federal courts located in Snohomish County, Washington.

16. Modifications and Updates

Dwell Mortgage LLC reserves the right to modify or update these AI Terms at any time to reflect changes in AI tools, providers, operational practices, or applicable legal and regulatory requirements. The effective date at the top of this document reflects the most recent revision. Continued use of this site or any AI Tool following a revision constitutes your acceptance of the updated AI Terms.

17. Severability

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

18. Entire Agreement

These AI Terms, together with Dwell Mortgage LLC's overall Terms of Service and Privacy Policy, constitute the entire agreement between you and Dwell Mortgage LLC regarding the use of AI Tools and AI-assisted services, and supersede any prior agreements or understandings on that subject matter.

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