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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Page 2 of 14Terms of Use
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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
Page 3 of 14Terms of Use
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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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Page 4 of 14Terms of Use
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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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Page 5 of 14Terms of Use
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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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Page 6 of 14Terms of Use
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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
Business License 990229
Collection Agency 197
Arizona Collection Agency CA-0910576
Sales Finance SF-0901556
Mortgage Banker License BK-0923637
Arkansas Mortgage Banker-Broker-Servicer 10148
Collection Agency 3515
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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Page 7 of 14Terms of Use
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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
Business License 1991830942
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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Page 8 of 14Terms of Use
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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 1124
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
Collection Agency 1019
Texas Regulated Loan Lender 2568-8963
Mortgage Banker Registration 80969
Third Party Debt Collector Bond BondGo To Top
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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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Page 11 of 14Terms of Use
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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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Page 12 of 14Terms of Use
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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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Page 13 of 14Terms of Use
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