Terms of Service
The material presented in MortgageCurrentcy.com is based on recent letters, bulletins, and announcements from Fannie Mae, Freddie Mac, FHA, VA, USDA, and other agencies that affect residential housing. ONLY information that affects front-end personnel (loan processors, loan originators, compliance, and underwriters) is addressed. It is not comprehensive and does not cover the entire letter, Bulletin, or Announcement.
Mortgage Currentcy.com, LLC has made every attempt to ensure the accuracy and reliability of the information provided. We review agency guidelines and answer your questions based on the information we have at the time the question is answered. We do not address “mortgage rule overlays” imposed by third party lenders or MI companies and do not accept any responsibility or liability for content, completeness, legality, for the questions we answer for MortgageCurrentcy.com subscribers. MortgageCurrentcy.com is not engaged in the practice of law and does not provide legal services.
All Articles are Copyrighted
We would like to remind you that all articles are copyrighted. That is how we stay in business and ensure that the author’s work is protected. If you are a subscriber, you can print articles during your subscription period. However, copying, distributing, uploading, or e-mailing articles is a no-no and violates copyright laws.
Use of Content
All content (Charts, checklists, Mortgage Talking Points™ flyers, Lunch & Learns, Mortgage Income Analyzers, calculators, classes, videos e-mails, and content for blogs and forums) are for the exclusive use of SUBSCRIBERS only. We do not allow non-subscribers to use the content.
Sharing of User Names and Passwords
Subscriber User Names and Passwords are intended solely for the use of the subscriber. They are not to be shared with other persons, including other employees of the same company. We offer team and group rates for subscriptions for employees of the same company.
Mortgage Talking Points™ Content
Subscribers have the exclusive right to use the content in the Mortgage Talking Points™ and can customize to redistribute to their referral partners and consumers. Non-subscribers (or third-party entities) are not allowed to add their name or contact info and redistribute Mortgage Talking Points™ content. Non-subscribers must purchase their own subscription (team & group rates available) in order to use the content mentioned above.
Social Media Posts
Social media posts are created exclusively for the use of our subscribers for their personal use only. Mortgage Currentcy develops them to be used in the sharing of educational information in your social networks. They are not to be used by anyone who is not a subscriber. As with all advertising and marketing, we strongly advise our subscribers to obtain compliance or legal opinion before sharing content to ensure that you are meeting regulatory requirements. Mortgage Currentcy is not responsible for the content provided that violates your company policy, local, State, or Federal Statutes.
Mortgage Income Analyzers
Mortgage Income Analyzers are developed exclusively for the use of our subscribers and are for their personal use only. They are not to be shared, copied, or distributed.
Calculators are developed exclusively for the use of our subscribers and are for their personal use only. They are not to be shared, copied, or distributed.
Lunch & Learns
Lunch & Learns and the accompanying content are developed for the exclusive use of our subscribers. The PowerPoint presentation, script, and charts and checklists are not to be shared, copied, or distributed. However, items marked as “handouts” may be distributed to your audience members only.
Charts & Checklists
Charts & Checklists are developed exclusively for the use of our subscribers and are for their individual use only. They are not to be shared, copied, or distributed.
Agency Bulletins & Forms
Agency Bulletins & Forms are not copyrighted and may be copied, shared, and distributed as per the guidance of that particular agency.
Ask the Experts Question Procedure
One of the many benefits of being a subscriber is your ability to “Ask the Experts” your most pressing questions. Subscriber questions need to be submitted THROUGH THE WEBSITE ONLY, and they will be answered by e-mail. Once a subscriber submits their question using the website form, the question is submitted to the person who specializes in that topic. Please be very specific when asking your question. No verbal questions (i.e., submitted by phone) will be answered.
Change of Content
The rules and regulations in the mortgage industry change so frequently. We reserve the right to change, eliminate, or update content without prior notice to you. Links to third-party websites may also change, and we assume no responsibility if they have been changed or updated.
Change of E-mail Address
If you change companies or e-mail address, you can let us know by e-mail or by making the changes yourself via our website. If we cannot find you, we cannot deliver your subscription to you.
How Is Your Subscription Renewed?
Once you become a subscriber, your credit card will be charged without notice by Mortgage Currentcy. Your credit card will be automatically charged at the monthly, quarterly, or annual rate until you cancel your subscription with us online. Cancellations are only accepted through the website. E-mail or telephone notifications will not be considered as a notice.
You must cancel your subscription online, via the website, as your e-mail notice may be lost in E-Mail Spam Land. You must cancel at least 24 hours BEFORE the renewal date. If you have not canceled online, via the MortgageCurrentcy.com website, your subscription will not be refunded to you for any reason. Cancellation notices are automatically generated to the subscriber for their record-keeping purposes. Subscription fees are non-refundable and are not pro-rated.
Once you unsubscribe online, via the website, your subscription will not expire until the next renewal date. You will have access to the content until your expiration date.
If you disputed the charge to your account and did not follow the cancellation procedures as outlined above, you will be barred from ever being a subscriber to our site. We are quite transparent when it comes to our terms of service and renewal options, and disputes when you know the rules are costly and not cool.
MortgageCurrentcy.com makes every effort to publish credible and responsible articles and advertisements. The inclusion of an article or product does not mean that the publisher or staff has endorsed it.
Mortgage Currentcy makes every attempt to ensure the accuracy and reliability of the information provided. We review agency guidelines and provide resources based on the information we have at the time the resource is developed. We do not address “mortgage rule overlays” imposed by third party lenders or MI companies and do not accept any responsibility or liability for content, completeness, legality, for the resources we provide for MortgageCurrentcy.com subscribers.
Your Right to Privacy
MortgageCurrentcy.com may, from time to time, provide subscriber information to advertisers. We do not provide subscriber information to any outside sources, nor do we sell information from our database without the written consent from you. We do provide third party links to outside websites, and if you decide to link to these sites, we cannot guarantee your privacy.
Submission of Articles
Article submissions will become the property of MortgageCurrentcy.com. However, you will still be given written, literary credit for your idea or article. We will make every effort to acknowledge sources of ideas. However, We cannot trace every idea back to its origin and accept no liability for non-acknowledgment.
What happens if you do not follow the rules?
- Your subscription will be terminated, and no refunds will be made.
- We will wipe out your user name and password.
- You will be barred from subscribing for your lifetime.
- We reserve the right to pursue legal remedies.