Texas Recovery Disclosurea Fund

Terms of Use Agreement

LEGAL DISCLOSURES

PLEASE CAREFULLY REVIEW THESE TERMS OF USE BEFORE USING THIS SITE.

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Page 1 of 14Terms of Use

3/10/2016https://www.caliberhomeloans.com/general/terms-of-use

This Terms of Use Agreement (the "Agreement") sets forth the terms and conditions for your

use of this web site or any related web sites(collectively the "Site"). The Site is owned and

operated by Caliber Home Loans, Inc. ("Caliber Home Loans" or "We"). By using the Site, you

agree to be bound by this Agreement. If you do not agree to be legally bound by this

Agreement, you should exit this Site immediately.

We reserve the right to amend this Agreement at any time and will notify you of any such

changes by posting the revised Agreement on the Site. You should check this Agreement

periodically for changes, and all changes shall be effective upon posting. Your continued use

of the Site after any changed to this Agreement constitutes your agreement to be bound by

any such changes. Caliber Home Loans may terminate, suspend, change, or restrict access to

all or any part of the Site without notice or liability.

RESTRICTIONS ON THE USE OF SITE CONTENT

The text, data, articles, photos, images and other information (collectively, the "Content") on

the Site is owned by Caliber Home Loans or its Content providers and is protected by U.S.

and International copyright laws and treaties. You acknowledge that the Content is and shall

remain the property of Caliber Home Loans. You may not copy, modify, transmit, participate in

the sale or transfer of, or create derivative works based on any Content, in whole or in part.

The use of the Content on any other web site, including by linking or framing, or in any

networked computer environment for any purpose is prohibited without Caliber Home Loans's

prior written approval.

TRADEMARKS

Caliber Home Loans (including the Caliber Home Loans logo), www.CaliberHomeLoans.com,

and all related logos (collectively the "The Caliber Home Loans Trademarks") are trademarks

or service marks of Caliber Home Loans. Other company, product, and service names and

logos used and displayed on this Site may be trademarks or service marks owned by Caliber

Home Loans or others. Nothing on this Site should be construed as granting, by implication,

estoppel, or otherwise, any license or right to use any of the Caliber Home Loans Trademarks

displayed on this Site, without our prior written permission in each instance. We prohibit the

use of any of the Caliber Home Loans Trademarks as part of a link to or from any site unless

establishment of such a link is approved in advance by us in writing.

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COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the Site infringe your copyrights,

notifications of claimed copyright infringement should be sent, in accordance with Title 17,

United States Code, Section 512(c)(2) (under the "Digital Millennium Copyright Act") to the

Caliber Home Loans's designated agent. Notification should include:

• an electronic or physical signature of the person authorized to act on behalf of the

owner of the copyright interest;

• a description of the copyrighted work that you claim has been infringed;

• a description of where the material you claim is infringing is located on the Site;

• a statement by you that you have a good faith belief that the disputed use is not

authorized by the copyright owner, its agent or the law; and

• a statement by you, made under penalty of perjury, that the above information in your

notice is accurate and that you are the copyright owner or duly authorized to act on

the copyright owner's behalf.

Caliber Home Loans's agent for notification of claimed copyright infringement is: Caliber

Home Loans, PO Box 24610, Oklahoma City, OK 73124, Attention: General Counsel.

NO WARRANTY

NONE OF CALIBER HOME LOANS, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR

RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AGENTS

OR INDEPENDENT CONTRACTORS (COLLECTIVELY THE "CALIBER HOME LOANS

PARTIES") GUARANTEES THE ACCURACY, ADEQUACY, COMPLETENESS, OR

USEFULNESS OF ANY OF THE CONTENT AND CALIBER HOME LOANS DISCLAIMS ANY

LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT. THIS SITE AND ALL OF THE

CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY,

EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR

TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR

USE OF THE CONTENT. THE CALIBER HOME LOANS PARTIES DO NOT WARRANT

THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS WEB

SITE COULD INCLUDE TECHNICAL INACCURACY OR TYPOGRAPHICAL ERRORS. Go To Top



LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL THE CALIBER HOME LOANS PARTIES BE LIABLE

FOR ANY DAMAGES INCLUDING GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL,

CONSEQUENTIAL PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT

LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER

IN AN ACTION IN CONTRACT OR NEGLIGENCE ARISING OUT OF, OR RELATING IN ANY

WAY TO YOUR USE, OR INABILITY TO USE, THE CONTENT, THE SITE OR ANY THIRD

PARTY SITE TO WHICH THIS SITE IS LINKED. THE CALIBER HOME LOANS PARTIES

SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT

OF ANY USER OF THE SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS

SITE IS TO STOP USING THE SITE. IF THE FOREGOING LIMITATION IS FOUND TO BE

INVALID, YOU AGREE THAT THE CALIBER HOME LOANS PARTIES' TOTAL LIABILITY

FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE

SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

MONITORING OF THE SITE

Caliber Home Loans has no obligation to monitor the Site; however, you acknowledge and

agree that Caliber Home Loans has the right to monitor the Site electronically from time to

time and to disclose any information as necessary or appropriate to satisfy any law, regulation

or other governmental request, to operate the Site, or to protect itself or other users of the

Site.

SUBMISSIONS TO THE SITE

All remarks, discussions, ideas, graphics or other submissions communicated to Caliber Home

Loans through this Site (each a "Submissions") will be deemed and remain the property of

Caliber Home Loans, and Caliber Home Loans is entitled to use any Submission for any

purpose, without restriction or compensation to the individual who has provided the

Submission. Nothing herein contained shall be construed as limiting Caliber Home Loans's

responsibilities and obligations under its Privacy Policy.

INDEMNIFICATION

You agree to indemnify and hold harmless the Caliber Home Loans Parties from and against

any and all claims, losses, expenses, or demands or liabilities, including attorneys' fees and

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costs, incurred by the Caliber Home Loans. Parties in connection with any claim by a third

party (including any intellectual property claim) arising out of (i) materials and content you

submit, post to or transmit through the Site, or (ii) your use of the Site in violation of this

Agreement or in violation of any applicable law. You further agree that you will cooperate as

reasonably required in the defense of any such claims. The Caliber Home Loans Parties

reserve the right, at their own expense, to assume the exclusive defense and control of any

matter otherwise subject to indemnification by you, and you shall not in any event settle any

such claim or matter without the written consent of Caliber Home Loans. You further agree to

indemnify and hold harmless the Caliber Home Loans Parties from any claim arising from a

third party's use of information or materials of any kind that you post in a public area on the

site.

LINKS TO THIRD PARTY SITES

THE SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED, OWNED, AND

OPERATED BY THIRD PARTIES (THE "THIRD PARTY SITES"). CALIBER HOME LOANS

CANNOT CONTROL AND HAS NO RESPONSIBILITY FOR THE ACCURACY OR

AVAILABILITY OF INFORMATION PROVIDED ON THE THIRD PARTY SITES. YOU

ACKNOWLEDGE THAT USE OF ANY THIRD PARTY SITES IS GOVERNED BY THE

TERMS OF USE FOR THOSE WEBSITES, AND NOT BY THIS AGREEMENT. LINKS TO

THIRD PARTY SITES DO NOT CONSTITUTE AN ENDORSEMENT BY CALIBER HOME

LOANS OF SUCH SITES OR THE CONTENT, PRODUCTS, ADVERTISING OR OTHER

MATERIALS PRESENTED ON SUCH SITES, BUT ARE PROVIDED FOR YOUR

CONVENIENCE AND YOU ACCESS THEM AT YOUR OWN RISK. WE ARE NOT

RESPONSIBLE FOR THE CONTENT OF ANY THIRD PARTY WEB SITES, NOR DO WE

MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED,

REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD

PARTY WEB SITES, AND THE CALIBER HOME LOANS PARTIES SHALL HAVE NO

LIABILITY OF ANY NATURE WHATSOEVER FOR ANY FAILURE OF PRODUCTS OR

SERVICES OFFERED OR ADVERTISED AT SUCH SITES OR OTHERWISE.

FOREIGN LANGUAGE DISCLAIMER

Caliber Home Loans makes no representation that the products and services described on the

Site are available in all countries.

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USE OF PERSONALLY IDENTIFIABLE INFORMATION

Caliber Home Loans's practices and policies with respect to the collection and use of

personally identifiable information is governed according to the Caliber Home Loans Privacy

Policy.

USER CONDUCT

You agree to use the Content and Site only for lawful purposes. You are prohibited from any

use of the Content or Site that would constitute an illegal offense, give rise to liability or

otherwise violate any applicable local, state, national or international law or regulation.

Caliber Home Loans makes no claims concerning whether the Content may be downloaded or

are appropriate for use outside of the United States. If you access this Site from outside of the

United States, you are solely responsible for ensuring compliance with the laws of your

specific jurisdiction.

TERMINATION

This Agreement is effective until terminated by Caliber Home Loans at any time without notice.

Caliber Home Loans may suspend or terminate your access and use of the Site at any time,

with or without cause, in Caliber Home Loans's absolute discretion and without notice. The

following paragraphs of this Agreement shall survive termination of your use or access to the

Site: paragraphs concerning indemnification, disclaimer of warranties, limitations of liability,

applicable law and dispute resolution, and any other provision that by its terms survives

termination of your use or access to the Site.

GENERAL PROVISIONS

Failure by Caliber Home Loans to enforce any provision(s) of this Agreement shall not be

construed to be a waiver of such provision(s) or of Caliber Home Loans's rights thereafter to

enforce such provisions(s) and each and every provision thereafter. THIS AGREEMENT AND

ALL OTHER ASPECTS OF YOUR USE OF THE SITE SHALL BE GOVERNED BY AND

CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW JERSEY,

WITHOUT REGARD TO ITS CONFLICT OF LAWS RULES. All claims and disputes arising

out of this Agreement, and applicable federal law or your use of the Site, other than actions for

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specific performance or injunctive relief brought by Caliber Home Loans, shall be exclusively

brought in the federal, state, or local courts located in New Jersey, and, with regard to such

claims and disputes, you hereby irrevocably (i) submit to the exercise of personal jurisdiction

over you by those courts and (ii) waive any jurisdictional, venue, or inconvenient forum

objections to such courts. Any cause of action you may have with respect to the Content, the

Site or this Agreement must be commenced within one (1) year after the claim or cause of

action arose, or be barred. If any provision of this Agreement is found to be invalid or

unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and

the remaining provisions of this Agreement shall remain in full force and effect. This

Agreement will be binding on, inure to the benefit of, and be enforceable against the parties

and their respective successors and assigns. Neither the course of conduct between parties

nor trade practice shall act to modify any provision of this Agreement. All rights not expressly

granted herein are hereby reserved.

Last Updated: March 23, 2015

LICENSING

Caliber Home Loans, Inc.

Main Corporate Office: 3701 Regent Blvd., Irving, TX • NMLS: 15622

STATE LICENSE HELD LICENSE NUMBER

Alabama Manufactured Dealer 6696

Consumer Credit License MC21422

Alaska Mortgage Lender/Broker AK15622

Business License 989837


Collection Agency 197

Arizona Collection Agency CA-0910576

Sales Finance SF-0901556

Mortgage Banker License BK-0923637

Arkansas Mortgage Banker-Broker-Servicer 10148


California Finance Lender 6032484

Residential Mortgage Lender/Servicer 413-0994

Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee

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Colorado Supervised Lender 98442

Manufactured Retailer Registration D0024

Mortgage Company Registration Regulated by the Division of Real Estate

N/A

Connecticut Sales Finance 9007

Mortgage Lender License ML-15622

Delaware Motor Vehicle Sales Finance (Chp. 29) 5201


Chapter 22 Licensed Lender 5202

District of Columbia

Mortgage Lender Dual Authority License MLB15622

Florida Consumer Collection Agency CCA9901554

Mortgage Lender Servicer MLD473

Georgia Georgia Residential Mortgage Lender License

7330

Hawaii Mortgage Servicer 31

Collection Agency COLAX - 486

Idaho Regulated Lender RRL 7595

Mortgage Broker/Lender MBL-3082

Illinois Sales Finance 547

Illinois Residential Mortgage Licensee by the Illinois Division of Banking 320 West Washington St., Springfield, IL 62786, (217) 782-3000

MB.0004043

Consumer Installment Loan 2677

City of Chicago Debt Collector Business License

2271011

Indiana First Lien Mortgage 10915

Subordinate Lien Mortgage 101

Collection Agency 15622 CA

Iowa Mortgage Banker 126

Master Loan Company Registration 88880247

Non-Resident Regulated Loan Company 2003-0097/1001122

Kansas Supervised Loan License Kansas-licensed mortgage company

SL.0000796

Kentucky Mortgage Loan Company MC17022

Louisiana Motor Vehicle Sales Finance SF-2013-00900

Residential Mortgage 15622

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Maine Supervised Lender SLM11255

Maryland Mortgage Lender 1904

Sales Finance 1724

Installment Loan 1651

Massachusetts Retail Installment RI0355

Motor Vehicle Sales Finance MV0066

Debt Collector (Collection Agency) DC0423

Michigan Regulated Loan RL-3046

Secondary Mortgage Broker/Lender/Servicer

SR-0088

First Mortgage Broker/Lender/Servicer FR0016663

Minnesota Residential Mortgage Originator This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206 (3) and (4)

40149066

Mississippi Mortgage Lender 15622

Motor Vehicle Sales Finance 42/2013

Missouri Consumer Credit Loan Company 367-12-6152

Residential Mortgage Loan Broker 14-1682-S

Motor Vehicle Time Sales Finance 365-12-5821

Montana Montana Mortgage Lender License No. 15622

Mortgage Servicer 15622

Consumer Loan 1169

Sales Finance Company 373

Nebraska Mortgage Banker 151

Nevada Foreign Collection Agency FCA10195

Foreign Collection Agency Operator Kawanna Coppage

Foreign Collection Agency Operator Bonny Lewis

Mortgage Loan Servicer Registration 3425

Mortgage Banker 4060

New Hampshire

Sales Finance 5622-SF

Mortgage Banker 6966-MB

Licensed by the New Hampshire Banking Department

New Jersey Licensed Mortgage Banker--N.J. Department of Banking

8300162

Residential Mortgage License

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Sales Finance Company L060861

Consumer Loan L060860

New Mexico Registered Mortgage Loan Company 1083


Collection Agency Manager 1869

New York City of New York Collection Agency 1313311

City of Buffalo Collection Agency 198656

Mortgage Loan Servicer Registration 15622

Mortgage Banker License B501020

North Carolina Mortgage Lender L-105147

North Dakota Money Broker MB101987

Collection Agency CA101986

Ohio Mortgage Loan Act SM.500681.000

Certificate of Registration

Mortgage Broker Act Mortgage Banker Exception

MBMB.850184.000

Oklahoma Supervised Lender SL0007412

Annual Notification Filing 62507

Mortgage Broker MB001745

Mortgage Lender ML010140

Oregon Mortgage Lender License ML-324

Pennsylvania Sales Finance Company 469

Collector-Repossessor 179

Mortgage Lender License 31655

Puerto Rico Mortgage Lender/Servicer License IH-176

Rhode Island Debt Collector Registration 20082429DC

Rhode Island Licensed Lender 93000284LL

South Carolina Mortgage Lender-Servicer MLS-15622

Supervised Lender 3300

South Dakota Mortgage Lender ML.3098

Money Lender 2051

Tennessee Mortgage Company 109226


Texas Regulated Loan Lender 2568-8963

Mortgage Banker Registration 80969

Third Party Debt Collector Bond BondGo To Top



Utah Collection Agency Foreign 589202-0131

Consumer Credit Notification Notification

Residential First Mortgage Notification Notification

DRE Mortgage Entity License 589202

Vermont Licensed Lender LL4809

Loan Servicer 15622-1

Sales Finance 117 SF

Virgin Islands Mortgage Lender License VI-MLC-15622

Virginia Dual Authority Lender-Broker VA: NMLS ID #15622 (www.nmlsconsumeraccess.org)

MC-5362

Washington Consumer Loan Company License CL-15622

Collection Agency 600630770-0002

City of Seattle Business License 512203

West Virginia Business Registration Cert. for Collection Agency

2217-5263

Mortgage Lender ML-20693

Mortgage Broker MB-32444

Wisconsin Mortgage Banker 51BA

Sales Finance Company 1903

Consumer Act Registration 515273

Wyoming Residential Mortgage Lender-Broker 1998

Supervised Lender SL-3080

Other Approvals

Veteran's Affairs

Title I HUD - FHA Certification

Title II HUD - FHA Certification

Ginnie Mae

Fannie Mae

Freddie Mac

United States Department of Agriculture

You may access The Nationwide Mortgage Licensing System & Registry (NMLS) Consumer

Access webpage at the following link:

www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/15622

You may access our Privacy Policy at the following link: www.CaliberHomeLoans.com/privacy-

policy

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Pursuant to the requirements of the Texas Finance Code and Title 7, Chapter 81.200(c) of the

Texas Administrative Code, you are hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A

LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR

SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT

OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN,

TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE

DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER

HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN

ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS

OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A

WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST

BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT

OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE

CONSULT THE DEPARTMENT'S WEBSITE WWW.SML.TEXAS.GOV.

Pursuant to New York State Requirements, you are hereby notified of the following:

SCHEDULE OF STANDARD FEES FOR NEW YORK BORROWERS

Late Charges: per the loan agreement but not exceed 2% of delinquent amount

• Non-sufficient Funds: $20

• Property Inspection: $10.75

• Broker Price Opinion: $30 – 135

CONTACT US

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If you have questions regarding this Agreement or the practices of Caliber Home Loans,

please contact us or send regular mail at Caliber Home Loans, PO Box 24610, Oklahoma

City, OK 73124, Attention: General Counsel.

Last Updated: March 23, 2015

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