These Terms of Service (“Terms”) govern your use of nationalloanprovider.com (the “Site”) and any loan inquiry, application, or communication you submit to NLPI LLC, doing business as National Loan Provider (“we,” “us,” or “our”). By using the Site or submitting an inquiry, you agree to these Terms.
Business-Purpose Loans Only
All loans offered or referenced on this Site are made for business purposes only. They are not intended for, and will not be made against, primary residences or owner-occupied properties. Because these are business-purpose loans, they are not subject to the federal Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), or the Home Ownership and Equity Protection Act (HOEPA). By submitting an inquiry, you represent that the property in question is or will be used for investment or business purposes.
Not a Commitment to Lend
Nothing on this Site, in any term sheet, quote, or pre-approval, constitutes a commitment to lend or an offer of a binding loan agreement. A loan is only made when a binding loan agreement and related documents are fully executed at closing. Until then, all terms remain subject to change, withdrawal, or further underwriting conditions.
Rates and Terms Subject to Change
Any rates, leverage, fees, programs, and terms displayed on the Site or quoted to you are illustrative and subject to change at any time without notice. Final pricing and structure depend on the borrower, the property, the deal, prevailing market conditions, and the lender or capital source ultimately funding the transaction.
No Guarantee of Approval
Submitting an inquiry, application, or supporting documentation does not guarantee approval. All loans are subject to credit review, underwriting, appraisal, title, and other closing conditions. We may decline any inquiry for any lawful reason. We do not lend to borrowers with credit below 600.
Accuracy of Information You Provide
You agree to provide truthful and accurate information in any inquiry or application. Misrepresentations may result in denial, rescission of any conditional approval, or other remedies available to us under law.
Equal Housing Opportunity
We do business in accordance with applicable federal, state, and local fair lending laws and the Equal Credit Opportunity Act.
Site Content
The content on this Site is provided for general informational purposes only and should not be relied on as legal, tax, accounting, or financial advice. While we try to keep information current and accurate, we make no warranty that the Site will be error-free or uninterrupted, and we are not liable for any losses arising from your use of the Site.
Governing Law and Jurisdiction
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. Any dispute arising from these Terms, your use of the Site, or any inquiry or loan relationship with us shall be brought exclusively in the state or federal courts located in New Jersey, and you consent to the jurisdiction and venue of those courts.
Changes to These Terms
We may update these Terms from time to time. The updated version takes effect when posted, and we'll change the “last updated” date at the top of this page. Continued use of the Site after a change means you accept the updated Terms.
Contact
Questions about these Terms:
NLPI LLC / National Loan Provider
25 Main Street, Unit B
Sparta, NJ 07871
dominick@nationalloanprovider.com