Terms of Service

By accessing or using the website operated by Supernova Mortgage Brokers ("Company," "we," "us," or "our"), located at www.supernovamortgage.com (the "Website"), or by engaging our mortgage brokerage services, you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must discontinue use of this Website immediately and refrain from engaging our services. These Terms constitute a legally binding agreement between you and Supernova Mortgage Brokers.

Your continued use of this Website following the posting of any changes to these Terms constitutes acceptance of those changes. We encourage you to review these Terms periodically to stay informed of updates.

Supernova Mortgage Brokers is a licensed mortgage brokerage operating under the following credentials:

Supernova Mortgage Brokers is an Equal Opportunity Lender lender. We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

Nothing contained on this Website constitutes a loan commitment, loan approval, or guarantee of any terms or conditions. All information presented on this Website, including but not limited to interest rates, Annual Percentage Rates (APR), loan programs, monthly payment estimates, and closing cost estimates, is provided for informational and illustrative purposes only and is subject to change without notice.

Any pre-qualification, pre-approval, or rate quote provided through this Website or by our loan officers is preliminary in nature and does not constitute a commitment to lend. Formal loan approval is contingent upon, among other things:

• Submission and verification of a complete loan application (Uniform Residential Loan Application, Form 1003)
• Satisfactory credit evaluation and underwriting review
• Acceptable property appraisal and title review
• Verification of income, employment, assets, and liabilities
• Compliance with all applicable lender guidelines
• Satisfactory review of all required documentation by the underwriting lender

Rates, terms, programs, and conditions are subject to change at any time without prior notice. The availability of any particular loan program or rate is not guaranteed and may vary based on market conditions, investor requirements, and borrower qualifications.

By using our services or submitting any information through this Website, you represent and warrant that all information you provide is true, accurate, complete, and current. You agree to provide accurate personal, financial, and property-related information as required during the loan application process.

You understand and acknowledge that:

• Providing false, inaccurate, or misleading information on a mortgage loan application is a violation of federal law (18 U.S.C. Section 1014) and may result in civil liability and/or criminal penalties, including fines and imprisonment
• We rely on the information you provide to process your loan application, obtain credit reports, verify employment, and submit your application to potential lending partners
• Any inaccurate or incomplete information may delay the processing of your loan application, result in denial, or affect the terms of your loan
• You are responsible for promptly notifying us of any changes to your financial situation, employment status, or other information relevant to your loan application

Interest rates, Annual Percentage Rates (APR), discount points, and other pricing information displayed on this Website are provided for illustrative purposes only. These figures are not an offer to lend at any specific rate or on any specific terms.

To obtain a personalized rate quote based on your specific financial situation, please contact one of our licensed loan originators. All rate quotes are subject to credit approval and property evaluation.

During the mortgage application and closing process, various third-party services may be required. These services include, but are not limited to:

• Credit Bureau Services: We will obtain credit reports from one or more consumer reporting agencies (Equifax, Experian, TransUnion) as part of the loan application process
• Appraisal Services: An independent, licensed property appraisal will be ordered to determine the market value of the subject property
• Title Services: A title search, title insurance, and closing/settlement services will be provided by a licensed title company or attorney
• Homeowners Insurance: Adequate property insurance must be obtained prior to closing
• Flood Certification: A flood zone determination will be obtained to assess whether flood insurance is required
• Home Inspection Services: While not required for loan approval in most cases, a professional home inspection is strongly recommended

Supernova Mortgage Brokers does not control, endorse, or assume responsibility for the actions, services, or fees of any third-party service provider. You acknowledge that fees charged by third-party providers are separate from and in addition to any fees charged by Supernova Mortgage Brokers. You have the right to select your own service providers for title, insurance, and other settlement services, as described in RESPA (Real Estate Settlement Procedures Act) Section 9.

By using this Website and/or submitting your information to Supernova Mortgage Brokers, you consent to receive electronic communications from us in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. Section 7001 et seq.) and applicable state laws.

Your consent to receive electronic communications includes, but is not limited to:

• Loan disclosures, estimates, and documents required by federal and state law (including Loan Estimates, Closing Disclosures, and related notices)
• Notices regarding changes to your loan application or the status of your transaction
• Correspondence related to your account or services, including privacy notices
• Marketing communications (subject to your ability to opt out)

Hardware and Software Requirements: To receive electronic communications, you will need a device with internet access, a current web browser that supports 128-bit encryption, and a valid email address. You may also need software to view PDF documents (such as Adobe Acrobat Reader).

Withdrawal of Consent: You may withdraw your consent to receive electronic communications at any time by contacting us in writing at the address below. Please be aware that withdrawing consent may slow the processing of your loan application and may require us to communicate with you via U.S. mail, which may delay receipt of time-sensitive disclosures.

Paper Copies: You have the right to request paper copies of any electronic communication. To request paper copies, contact us at info@supernovamortgage.com or call (689) 262-4400. There may be a fee for providing paper copies.

By providing your telephone number to Supernova Mortgage Brokers through this Website, a loan application, or any other communication channel, you expressly consent to receive telephone calls and text messages (SMS/MMS) from Supernova Mortgage Brokers and its agents, affiliates, and service providers, in accordance with the Telephone Consumer Protection Act (TCPA, 47 U.S.C. Section 227) and applicable state telemarketing laws.

Opt-Out Instructions: You may revoke your consent to receive calls or text messages at any time by replying "STOP" to any text message, by calling us at (689) 262-4400, or by emailing info@supernovamortgage.com with the subject line "Opt-Out." Opting out of marketing communications will not affect transactional communications related to an active loan application.

All content on this Website, including but not limited to text, graphics, logos, images, icons, photographs, video, audio, software, design elements, and the compilation thereof (collectively, "Content"), is the exclusive property of Supernova Mortgage Brokers or its licensors and is protected by United States and international copyright, trademark, patent, and other intellectual property laws.

The Supernova Mortgage Brokers name, logo, tagline ("Your Mortgage, Elevated"), and all related names, logos, product and service names, designs, and slogans are trademarks of Supernova Mortgage Brokers or its affiliates. You may not use such marks without our prior written permission.

You may not reproduce, distribute, modify, display, perform, prepare derivative works of, republish, download, store, or transmit any Content from this Website without our express prior written consent, except as follows:

• Your computer or device may temporarily store copies of such materials incidental to your accessing and viewing them
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution

PLEASE READ THIS SECTION CAREFULLY AS IT LIMITS THE LIABILITY OF SUPERNOVA MORTGAGE BROKERS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES.

To the fullest extent permitted by applicable law, in no event shall Supernova Mortgage Brokers, its officers, directors, employees, agents, affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with:

• Your access to, use of, or inability to use this Website or our services
• Any conduct or content of any third party on or related to the Website
• Any information obtained from the Website, including but not limited to rate quotes, loan estimates, or program information
• Unauthorized access, use, or alteration of your transmissions or data
• Delay or failure to approve, fund, or close a mortgage loan
• Changes in interest rates, market conditions, or lender guidelines after a rate quote or loan estimate is provided
• Actions or omissions of third-party lenders, appraisers, title companies, or other service providers

This Website and all content are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount of fees, if any, paid by you to Supernova Mortgage Brokers during the twelve (12) months immediately preceding the event giving rise to the claim.

If you are located in a state other than Florida, additional state-specific disclosures may apply. Please contact us for disclosures specific to your state of residence or the state in which the subject property is located.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Informal Resolution: Before initiating any formal dispute resolution proceedings, you agree to first contact Supernova Mortgage Brokers in writing at the address below and allow thirty (30) days to attempt to resolve the dispute informally.

Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of this Website or our services that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. Arbitration shall take place in Osceola County, Florida.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Exceptions: Nothing in this section shall prevent either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm. Additionally, claims within the jurisdiction of a small claims court may be brought in such court.

Regulatory Complaints: Nothing in these Terms limits your right to file a complaint with any applicable state or federal regulatory agency, including the Consumer Financial Protection Bureau (CFPB), the Florida Office of Financial Regulation, or any other governmental authority.

Supernova Mortgage Brokers reserves the right to modify, amend, or update these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page and may, at our discretion, provide additional notification (such as posting a notice on our Website homepage or sending an email notification).

Your continued use of this Website and/or our services following the posting of revised Terms means that you accept and agree to the changes. If you do not agree to the revised Terms, you must stop using the Website and our services.

We recommend that you review these Terms periodically to stay informed of any updates. It is your responsibility to check this page for changes.

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us using the information below: