⚖️ Terms of Service

Last Updated: November 2025

These Terms of Service govern your use of this website and your participation in the pre-qualification and consultation services offered by Ray Santo at CrossCountry Mortgage. By submitting a form, booking a consultation, or using this website, you agree to these Terms.

1. Purpose of Service

This website provides:

  • Mortgage pre-qualification assistance

  • Loan information and guidance

  • Appointment scheduling

  • Educational content related to home financing

  • A free, no-obligation consultation

Pre-qualification is not a final loan approval.

2. Eligibility

You must:

  • Be at least 18 years old

  • Provide accurate and truthful information

  • Have the legal capacity to enter into agreements

Providing false or incomplete information may result in denial of services.

3. No Obligation & No Guarantee

Submitting your information does not guarantee:

  • Loan approval

  • Specific interest rates

  • Eligibility for any particular loan program

All mortgage approvals are subject to verification, underwriting, and federal lending regulations.

4. Communication Consent

By submitting your phone number or email, you consent to receive:

  • Calls, texts, and emails related to your inquiry

  • Appointment reminders

  • Loan process updates

  • Mortgage-related follow-up

You may opt out of SMS at any time by replying STOP.
Opting out of communication may affect our ability to process your pre-qualification.

5. User Responsibilities

You agree to:

  • Provide complete and accurate information

  • Use this website in compliance with applicable laws

  • Not attempt to misuse or interfere with website functionality

You are responsible for maintaining the confidentiality of your information.

6. Data Handling

Your information is governed by our Privacy Policy.
By using this website, you acknowledge that:

  • Your information will be securely stored

  • Your information may be used to process mortgage requests

  • Your data may be shared only with authorized mortgage professionals

7. Limited Liability

We are not liable for:

  • Technical issues or website downtime

  • Delays caused by third-party providers

  • Errors resulting from incorrect information submitted by the user

  • Decisions made by underwriting or external lending entities

Services are provided “as is” without warranties.

8. Modifications to the Service

We may update content, policies, or features at any time to comply with lending, legal, or operational requirements.

9. Governing Law

These Terms are governed by applicable state and federal lending laws and regulations.

10. Contact Information

For questions regarding this Privacy Policy or your data:
Email: [email protected]
Phone: +1 440-829-7186
Company: CrossCountry Mortgage
Loan Officer: Ray Santo, Senior Loan Officer
NMLS #: 367025