Terms of Use

1. Acceptance of Terms

By accessing or using the website at innovativehomeloan.com (“Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use this Site. These terms apply to all visitors, users, and others who access the Site.

2. About This Site

This Site is operated by Jason Seibel, a licensed mortgage loan originator (NMLS #171895) and Innovative Home Loan (Company NMLS #1838984). The Site provides general information about mortgage products and services. It is not a commitment to lend, and no loan application is created by visiting this Site.

3. No Loan Commitment

Nothing on this Site constitutes a mortgage loan commitment, offer to lend, or guarantee of approval. All information is for general informational purposes only. Loan terms, interest rates, and availability are subject to credit approval, underwriting guidelines, and market conditions at the time of application. Results from our loan calculator are estimates only and should not be relied upon as a guarantee of any loan terms.

4. Accuracy of Information

We make reasonable efforts to ensure the information on this Site is accurate and current. However, we make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content. Mortgage rates, fees, and program availability change frequently and may differ from what is shown.

5. Permitted Use

You may access this Site for personal, non-commercial use to learn about our mortgage services. You may not:

• Reproduce, distribute, or modify any content without prior written permission
• Use the Site for any unlawful purpose
• Introduce malware, viruses, or other harmful code
• Attempt to gain unauthorized access to any portion of the Site
• Use automated tools to scrape or collect data from the Site

6. Third-Party Links

This Site may contain links to third-party websites (e.g., NMLS Consumer Access, lender portals). These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or accuracy of any third-party site. Accessing third-party links is at your own risk.

7. Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of Jason Seibel / Innovative Home Loan or its content suppliers and is protected by applicable copyright and trademark law. Unauthorized use is prohibited.

8. Disclaimer of Warranties

THIS SITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, JASON SEIBEL AND INNOVATIVE HOME LOAN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ITS CONTENT.

10. Governing Law

These Terms of Use are governed by the laws of the State of Oregon, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts of Washington County, Oregon.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes take effect upon posting. Your continued use of the Site following any changes constitutes your acceptance of the revised terms.

12. Contact