Terms of Use

Acceptance of Terms

First Mortgage Lenders, Inc appreciates your interest in our services, including the First Mortgage Lenders, Inc online application (the “Application”).  Your use of our services, including the Application, is subject to the terms and conditions set forth below (the “Conditions of Use”). Please read the Condition of Use carefully before accessing or using any of our online content, including our website and/or the Application.   By accessing or using this website, you are agreeing to be bound by the Conditions of Use.  If you do not wish to be bound by the Conditions of Use, you may not access access or use any website pages or online content, including the Application.

Description of Service

First Mortgage Lenders, Inc strives to provide remarkable service and embraces continuous improvement of processes and practices in pursuit of excellence.  Therefore, unless explicitly stated otherwise, any new feature(s) that augment(s) or enhance(s) the current Application, including the release of new tools and resources and information and/or processes or the elimination of tools, resources, information and/or processes deemed obsolete by First Mortgage Lenders, Inc, shall be subject to these Conditions of Use.  In order to use the Application, you must have Internet access, either directly or through devices that access web-based content, and pay any service fees associated with such access. Additionally, you must provide all equipment necessary to connect to the Internet, such as a computer and modem, smartphone, wifi device, tablet device, or other access device.  You also understand and agree that First Mortgage Lenders, Inc may include Internet based advertisements as deemed necessary by First Mortgage Lenders, Inc in order to provide the Application and make it available for online use.  You also understand and agree that the Application may include certain communications from or on behalf of First Mortgage Lenders, Inc, such as service announcements and updates, administrative messages, and other such ordinary and necessary business communication regarding the Application and that you will not be able to opt out of those communications.  Unless explicitly stated otherwise, any future enhancements, changes, or modifications to the current Application shall be subject to the Conditions of Use.  You agree to access and use the Application only through the interfaces provided by First Mortgage Lenders, Inc and only for the sole purpose of legitimate communications and conduct without any attempt to defraud or mislead First Mortgage Lenders, Inc or any other person.

Modification of these Conditions of Use

First Mortgage Lenders, Inc. reserves the right to change the terms, conditions, and notices at any time, and such modifications shall be effective immediately upon posting of such changes.  Therefore, you are responsible for regularly reviewing these Conditions of Use and any additional terms or notices posted on the First Mortgage Lenders, Inc website including the Application.  Your continued access of this website shall be deemed your conclusive acceptance of the modified agreement.

Privacy

Please review our Privacy Policy, which also governs your visit to the First Mortgage Lenders, Inc. online application, to understand our practices regarding the use and disclosure of your personal information.

Information and Conduct Rules and Obligations

You acknowledge and agree that First Mortgage Lenders, Inc. may preserve and disclose required information provided by you through the use of the Application if it reasonably believes that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the Conditions of Use; (c) respond to claims that any such information violates the rights of third-parties; or (d) protect the rights, property, or personal safety of First Mortgage Lenders, Inc, its users and the public.

You understand that the technical processing and transmission of the Application, including your information may involve (a) transmissions over various networks, including networks not controlled by First Mortgage Lenders, Inc.; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You agree that you will not:

(a) upload, enter any information that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;

(b) harm minors in any way;

(c) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

(d) enter any information that you do not have a right to transmit under any law or under contractual or fiduciary relationships;

(e) transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

(f) interfere with or disrupt the Application or servers or networks connected to the Application, or disobey any requirements, procedures, policies or regulations of networks connected to the Application;

(g) intentionally or unintentionally violate any applicable local, state, national or international law.

Electronic Communications

When you visit the First Mortgage Lenders, Inc. online application, you are communicating with us electronically, and thereby you are consenting to receive communications from us electronically or by other means available. We will communicate with you electronically, by telephone, or by facsimile. It is further understood that all agreements, notices, disclosures and other communications that we provide to you electronically or by facsimile satisfy any legal requirement that such communication be in writing.

Intellectual Property and Licenses

You may print or download portions of the materials from various areas of this website solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. If you believe any content appearing on our website constitutes a copyright infringement of another parties rights, please contact us immediately at info@firstmortgagelenders.com to notify us of this infringement.

Your submissions of files including, but not limited to: resumes, e-mail, media, movies, images, logos, audio loops, recordings, mobile uploads, social media, and other software hereby constitutes your agreement to grant First Mortgage Lenders, Inc. a non-exclusive, royalty-free, worldwide, sub-licensable, perpetual license, to reproduce, distribute, transmit, modify, adapt, sub-license, and publicly display any such submissions. You also grant First Mortgage Lenders, Inc. the right to utilize your name in connection with all advertising, marketing and promotional materials related thereto.

License and Website Access

First Mortgage Lenders, Inc. grants you limited license to access and make personal use of this website and not to download (other than for page caching purposes) or modify it, or any portion of it, except with the express written consent of First Mortgage Lenders, Inc.  This website or any portion of this website may not be reproduced, duplicated, adapted, copied, sold, resold, transmitted or otherwise exploited for any commercial purpose without the express written consent of Mortgage Investors Group. You may not frame, or use any framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, media, movies, page layout, or form) of First Mortgage Lenders, Inc. without the express written consent of First Mortgage Lenders, Inc.

It is further understood and agreed that First Mortgage Lenders cannot and does not guarantee or warrant that the Internet is 100% safe and free of malware, software viruses, or other malicious code that manifests contaminating and/or destructive properties.  Therefore, First Mortgage Lenders cannot and does not guarantee or warrant that any online content, including the online application, and any files and/or webpages made available for viewing and/or downloading through the First Mortgage Lenders, Inc. website will be free of infection or malware, software viruses, or other malicious and/or malfunctioning code that manifests contaminating or destructive properties.  It is your responsibility for implementing sufficient safeguards and procedures to ensure that any files obtained through First Mortgage Lenders, Inc. are free from such contaminations.

Disclaimer of Warranty/Limitation of Liability

THIS WEBSITE AND RELATED INFORMATION IS PROVIDED BY FIRST MORTGAGE LENDERS, INC. ON AN “AS IS” AND “AS AVAILABLE” BASIS. FIRST MORTGAGE LENDERS, INC. MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS OF ANY KIND, OR AS TO THE OPERATION OF THIS WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, FIRST MORTGAGE LENDERS, INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.  FIRST MORTGAGE LENDERS, INC. DOES NOT WARRANT THAT THIS WEBSITE, ITS SERVERS, OR E-MAIL SENT FROM FIRST MORTGAGE LENDERS, INC. ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  FIRST MORTGAGE LENDERS, INC. WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

FIRST MORTGAGE LENDERS, INC. USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS WEBSITE. FIRST MORTGAGE LENDERS, INC. ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY TYPOGRAPHICAL OR OTHER ERRORS OR OMISSIONS IN THE CONTENT OF THIS SITE.  IN THE EVENT THAT A PRODUCT IS LISTED AT AN INCORRECT PRICE OR WITH OTHER INCORRECT INFORMATION, FIRST MORTGAGE LENDERS, INC. SHALL HAVE THE RIGHT TO REFUSE OR CANCEL ANY ORDERS PLACED FOR THE PRODUCT LISTED INCORRECTLY. IF A PRODUCT OFFERED BY FIRST MORTGAGE LENDERS, INC. IS NOT AS DESCRIBED, YOUR SOLE REMEDY IS TO RETURN IT TO FIRST MORTGAGE LENDERS, INC. FOR A REFUND.  ALL POSTAGE REQUIRED TO RETURN A PRODUCT WILL BE AT THE BUYER’S EXPENSE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES.  IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Termination of Use

First Mortgage Lenders, Inc. may immediately terminate the Application for your failure to comply with the Conditions of Use. You agree that First Mortgage Lenders, Inc. may, under certain circumstances and without prior notice, immediately terminate access to our website and/or specific webpages and/or content found on our website, including but not limited to the online application.  Cause for such termination shall include, but not be limited to, (a) breaches or violations of the Conditions of Use, (b) requests by law enforcement or other government agencies, (c) discontinuance or material modification to the Application (or any part thereof), or (d) unexpected technical issues or problems. Further, you agree that all terminations for cause shall be made in sole discretion of First Mortgage Lenders, Inc.and that First Mortgage Lenders, Inc. shall not be liable to you or any third-party for any termination of access to our website and/or specific webpages and/or content found on our website, including use of the online application.

Third Party Links

Any linked websites are not under the control of First Mortgage Lenders, Inc. and First Mortgage Lenders, Inc. is therefore not responsible for the contents of any linked site or any link contained in a linked site. First Mortgage Lenders, Inc. provides links to you only as a convenience, and the inclusion of any link does not imply or constitute an endorsement by First Mortgage Lenders, Inc. of the linked site or its owner(s), publisher(s), and/or affiliated businesses or parties.

Applicable Law

By visiting the First Mortgage Lenders, Inc. website, including any of its webpages and the online application, you agree that the laws of the state of Tennessee, without regard to principals of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and First Mortgage Lenders, Inc.

Disputes

Any dispute relating in ay way to your visit or access of the First Mortgage Lenders, Inc. website, including but not limited to the online application, or to the products or services you purchase through the First Mortgage Lenders, Inc. website, including but not limited to the online application, shall be submitted to binding arbitration in Knox County, Tennessee, except that, to the extent you have in any manner violated or threatened to violate the intellectual property rights of First Mortgage Lenders, Inc., First Mortgage Lenders, Inc. may seek injunctive or other appropriate relief in any state or federal court in the state of Tennessee, and you consent to exclusive jurisdiction and venue in such courts.  Arbitration under these Conditions of Use shall be conducted under the rules then prevailing of the American Arbitration Association.  The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction.  To the fullest extent permitted by applicable law, no arbitration under these Conditions of Use shall be joined to an arbitration involving any other party subject to these Conditions of Use, whether through class arbitration proceedings or otherwise.

Indemnification

You agree to indemnify, defend, and hold harmless First Mortgage Lenders, Inc., its officers, directors, owners, partners, employees, agents, licensors, suppliers and any third party information provider to the website from and against all losses, expenses, damages and costs, including attorney’s fees, resulting from any violation of these Conditions of Use (including negligent or wrongful conduct) by you or your from any use and access by you of the First Mortgage Lenders, Inc. website.

International Use

Given the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, privacy, copyright, and trademark infringement. Additionally, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

Other Provisions

Any implied, assumed, or actual failure by First Mortgage Lenders, Inc. to insist upon or enforce strict performance of any provision of these Conditions of Use shall not be construed as a waiver of any provision or right.  Neither the course of conduct between the parties nor trade practice shall act to modify any provision of these Conditions of Use. First Mortgage Lenders, Inc. may assign its rights and duties under these Conditions of Use to any party at any time without notice to you.  If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed sever able and shall not affect the validity or enforceability of any remaining condition.  Any rights not expressly granted herein are reserved. These Conditions of Use constitute the entire agreement between you and First Mortgage Lenders, Inc. and govern your use of the Application, superseding any prior agreements between you and First Mortgage Lenders, Inc. (including, but not limited to, any prior versions of the Conditions of Use).

Request and Address

Please send notices by care of e-mail to:  info@thinkfirstmortgage.com

(or) by our Mailing Address:

First Mortgage Lenders, Inc.

3712 Cunningham Road

Knoxville, TN 37918

 

Privacy Policy

First Mortgage Lenders, Inc. is on a mission to provide each client with the very best solution that mortgage lending can offer.  Every aspect of our business operations is aligned toward that mission.  The following information describes the how First Mortgage Lenders, Inc. relates to and utilizes personal information of individual clients and prospective clients.

Why First Mortgage Lenders, Inc. Needs Your Information

We need to know certain information about you, such as address, phone number, Social Security Number, date of birth, etc., in order to provide the mortgage loan products and services that you have requested from us.

How First Mortgage Lenders, Inc. Obtains Your Information

Almost all of the information we obtain about you is provided to us by you via face to face interview, telephone interview, or written correspondence (including email).  Additional information about you may be obtained by us from third-parties such as consumer reporting agencies, your employer, your bank, the government, and others.

How First Mortgage Lenders, Inc. Uses Your Information

First Mortgage Lenders, Inc. will never sell your information under any circumstances.  We respect your right to privacy and seek to honor your trust in us in all that we do on your behalf.  If we share your information with any third-parties during the course of pre-qualification, loan processing, underwriting, and other mortgage origination activities, then we do so only as permitted by law and pursuant to your request.  If we share your information with any third-party contracted to provide services on our behalf, those third-party companies and/or individuals are required to protect consumer information and only use that information for the purpose of providing the service(s) requested.

First Mortgage Lenders, Inc. reserves the right to release your information to others when, in good faith, we believe that it is reasonably necessary to do so in order to comply with the law, to protect the rights, property, and/or safety of First Mortgage Lenders, Inc. and/or its employees, and to prevent fraud, money laundering, or other crime.

How First Mortgage Lenders, Inc. Protects Your Privacy

We utilize security measure in accordance with federal law, including secured files and computer safeguards, to protect your information from unauthorized access and use.

First Mortgage Lenders, Inc.

Knoxville Mortgage Company