1. Terms By accessing this website at https://www.Formulalg.com you agree to be bound by these Terms and Conditions of Use and acknowledge that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The content on this website is protected by copyright and trademark law.

2. No Commitment to make a Loan: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. A reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Xpert Home Lending, Inc. is an Equal Opportunity Lender and an Equal Housing Lender | NMLS 2179191 powered by Xpert Home Lending, Inc. is an Equal Opportunity Lender and an Equal Housing Lender | NMLS 2179191

3. Use License Permission is granted to temporarily download one copy of the materials on Formula Lending Group's website for personal, non-commercial, and temporary viewing only. This constitutes a license, not a transfer of ownership. Under this license, you may not:

   • Modify or copy the materials;

   • Use the materials for any commercial purpose or public display;

   • Attempt to reverse engineer any software on the website;

   • Remove any copyright or proprietary notations from the materials;

   • Transfer the materials to another person or "mirror" them on any other server.

Formula Lending Group reserves the right to terminate this license if you violate any of these restrictions. Upon termination, your right to view the materials will also end, and you should destroy any downloaded content in your possession, whether in print or electronic format.

1. Disclaimer All materials on this website are provided “as is.” Formula Lending Group makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties. Additionally, no representations are made regarding the accuracy or reliability of the materials on the website or any linked sites.

2. Limitations Formula Lending Group or its suppliers shall not be liable for any damages arising from the use or inability to use the materials on this website, even if Formula Lending Group or an authorized representative has been notified, verbally or in writing, of the possibility of such damages. Some jurisdictions do not allow limitations on implied warranties or liability for incidental damages; therefore, these limitations may not apply to you.

3. Revisions and Errata The materials on this website may contain technical, typographical, or photographic errors. Formula Lending Group does not guarantee that any materials on its website are accurate, complete, or current. The materials on the website may be changed at any time without notice, though there is no commitment to update them.

4. Links Formula Lending Group has not reviewed all sites linked to its website and is not responsible for the content of any linked sites. The inclusion of any link does not imply endorsement by Formula Lending Group. Use of any linked website is at the user’s own risk.

5. Modifications to Terms of Use Formula Lending Group may revise these Terms of Use for its website at any time without prior notice. By using this website, you agree to be bound by the most current version of these Terms and Conditions of Use.

6. Your Privacy Please review our Privacy Policy.

7. Governing Law Any claims related to this website will be governed by the applicable laws of the United States, without regard to its conflict of law provisions.

8. Text Messaging Service Text messages may be sent to you, and subscribers may:

• Opt into the text service on the website,

• Opt out via Account Settings or by replying "STOP" to any received message,

• Receive assistance by replying "HELP" to any message received.

You may receive more than five text messages per week, occasionally more. Standard message and data rates may apply.