Terms & Conditions

Welcome to quickerhomeloans.com. These Terms & Conditions (“Terms”) govern your use of the website operated by Quicker Home Loans LLC (“Quicker Home Loans,” “we,” “our,” or “us”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Please read Sections 4 and 5 carefully. Those sections contain a binding individual arbitration agreement and a waiver of class actions and jury trials with respect to disputes about the Site and your relationship with us as a website visitor or marketing prospect. They do not apply to loan documents you sign with us, which have their own dispute-resolution terms.

Quicker Home Loans is a direct lender of business-purpose investment-property loans. Loans offered through the Site are for business, commercial, or investment purposes only. They are not consumer mortgages governed by the SAFE Act, the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), or the Dodd-Frank ability-to-repay / qualified-mortgage rules. We do not originate loans for primary residences or second homes. See our Licensing page for the full regulatory explanation.

The Site is directed at and made available to persons in the continental United States only.

Unless otherwise stated, Quicker Home Loans and its licensors own the intellectual property rights in the content on the Site. Subject to these Terms, you may view, use, and share the Site for personal and normal business use, including linking to pages from social media, email, or other websites.

You must not:

• Republish Site content as your own on another website or platform
• Sell, rent, or sub-license Site content
• Reproduce or copy Site content for a commercial purpose without our written permission
• Materially edit or modify Site content and hold it out as ours
• Systematically scrape the Site or circumvent technical protection measures

Content on the Site, including articles, calculators, rate information, program descriptions, and FAQs, is provided for informational purposes only. It does not constitute financial, legal, tax, investment, or real estate advice. Rate and term examples are illustrative and do not constitute an offer to lend or a commitment to lend. All loans are subject to credit review, property underwriting, program availability, and applicable law.

You are responsible for consulting your own legal, tax, and financial advisors before making investment or financing decisions.

This section applies to the Site and your relationship with us as a website visitor or marketing prospect. It does not apply to any loan or loan document you sign with us, which has its own dispute-resolution terms.

4.1 Scope

At either your election or ours, all disputes, claims, or controversies (each, a “Claim”) arising out of or relating to any of the following will be resolved by final and binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in effect at the time the arbitration is commenced:

• your use of, or inability to use, the Site;
• communications we send you (including phone calls, text messages, and emails) or that you send us through the Site, including any claim under the federal Telephone Consumer Protection Act, any state telephone solicitation or mini-TCPA act, CAN-SPAM, or similar law;
• information you submit through any form on the Site;
• marketing or advertising you receive from us in the period before you sign loan documents;
• these Terms and our Privacy Policy;
• any Claim that arose before these Terms (including, but not limited to, Claims relating to advertising or prior communications); and
• any Claim that arises after termination of these Terms.

This Section 4 does not create a right to arbitration with respect to any loan made to you by Quicker Home Loans or any loan document you sign with us. Loan-document disputes are governed by the dispute-resolution and venue terms in those documents.

4.2 Federal Arbitration Act

These Terms evidence a transaction in interstate commerce. The Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs the interpretation and enforcement of this Section 4. This arbitration provision shall survive termination of these Terms.

4.3 Procedure

Arbitration will be conducted by a single neutral arbitrator selected under the AAA Consumer Arbitration Rules. The arbitrator has exclusive authority to resolve any dispute about the scope, enforceability, or formation of this arbitration agreement, including whether any Claim is subject to arbitration. The arbitrator will issue a written, reasoned award. Judgment on the award may be entered in any court of competent jurisdiction.

4.4 Fees and seat

The seat of arbitration is Jersey City, Hudson County, New Jersey, unless you and we agree in writing to a different location or to a documents-only or telephonic proceeding. AAA filing, administrative, and arbitrator fees will be allocated in accordance with the AAA Consumer Arbitration Rules, which cap the portion of those fees payable by the consumer party. Each party bears its own attorneys’ fees and costs, except as otherwise required by applicable law or awarded by the arbitrator under a fee-shifting statute.

4.5 Small-claims carve-out

Notwithstanding this Section 4, either party may bring an individual action in a small-claims court of competent jurisdiction in lieu of arbitration, so long as the action remains in that court and proceeds only on an individual (non-class, non-representative) basis.

4.6 Injunctive relief

Either party may seek temporary injunctive relief in the state or federal courts located in Hudson County, New Jersey to prevent irreparable harm (for example, to enforce the intellectual-property terms in Section 2) without first proceeding to arbitration. Seeking such relief does not waive the right or obligation to arbitrate the underlying Claim.

By accepting these Terms, you and Quicker Home Loans each knowingly and voluntarily waive the right to a trial by jury of any Claim covered by Section 4.

You and Quicker Home Loans each agree that Claims covered by Section 4 will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. Unless you and we agree otherwise in writing, the arbitrator may not consolidate more than one person’s Claims and may not otherwise preside over any form of a representative, collective, or class proceeding.

Severability of this Section 5. This class-action waiver is a material part of the agreement to arbitrate in Section 4. If a court or arbitrator of competent jurisdiction determines that the class-action waiver in this Section 5 is unenforceable with respect to a particular Claim, then the agreement to arbitrate in Section 4 will be void only with respect to that Claim, and that Claim only will proceed in court in Hudson County, New Jersey. The agreement to arbitrate and the class-action waiver will remain in full force and effect with respect to all other Claims, and those other Claims will continue to be resolved in individual arbitration.

Your use of the Site is also governed by our Privacy Policy, which explains what information we collect and how we use it. We do not sell your personal information. California residents may exercise their privacy rights through our Privacy Rights Request page.

The Site is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that information on the Site is complete, accurate, current, or non-misleading. To the fullest extent permitted by law, we disclaim all implied warranties including merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, Quicker Home Loans will not be liable to you for:

• any direct, indirect, special, incidental, consequential, or punitive loss;
• lost revenue, profits, data, reputation, or goodwill;
• loss of business opportunity or anticipated savings;
• losses arising from third-party content, services, or links accessed through the Site; or
• losses arising from events outside our reasonable control, including service outages, network interruptions, or the acts of third-party service providers.

These limitations apply even if we have been advised of the possibility of such losses, and apply whether the Claim is based in contract, tort, statute, or otherwise. Our aggregate liability to you for any Claim arising out of or relating to the Site or these Terms will not exceed one hundred U.S. dollars (US $100) or the amount you paid us in the twelve (12) months preceding the Claim, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify and hold harmless Quicker Home Loans, its officers, employees, and affiliates from any claims, damages, costs, or expenses (including reasonable attorneys’ fees) arising from your breach of these Terms or misuse of the Site.

If you breach these Terms, we may take any action we consider appropriate, including suspending or revoking your access to the Site, blocking IP addresses, and pursuing legal remedies.

We may revise these Terms from time to time. Revised Terms will apply to use of the Site from the date they are posted. Material changes to Section 4 (Arbitration) or Section 5 (Waivers) will be highlighted with a notice at the top of this page for at least thirty (30) days after posting. Please check this page regularly.

We may transfer, sub-contract, or otherwise deal with our rights and obligations under these Terms without your consent. You may not assign or transfer your rights or obligations under these Terms.

If any provision of these Terms is determined to be unlawful or unenforceable, the remaining provisions will continue in full force and effect. Severability of the class-action waiver in Section 5 is governed by the special rule stated in Section 5.

These Terms, together with the Privacy Policy and any signed loan documents, constitute the entire agreement between you and Quicker Home Loans concerning your use of the Site. In the event of any conflict between these Terms and a signed loan document with respect to the subject matter of the loan, the loan document controls.

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflicts-of-laws rules, and by the Federal Arbitration Act with respect to the arbitration provisions in Section 4. Subject to Section 4 (arbitration) and Section 5 (waivers), any disputes arising out of or relating to these Terms or your use of the Site that are not subject to arbitration will be brought exclusively in the state and federal courts located in Hudson County, New Jersey, and you consent to the personal jurisdiction of those courts.

Because Quicker Home Loans originates only business-purpose investment-property loans, our transactions with you are business-to-business transactions for purposes of the federal Electronic Signatures in Global and National Commerce Act (“ESIGN,” 15 U.S.C. §§ 7001 et seq.) and equivalent state Uniform Electronic Transactions Act (“UETA”) provisions. The special consumer-disclosure provisions of ESIGN §101(c) do not apply to these transactions.

By using the Site, submitting a form, or communicating with us by email, text, or other electronic means, you agree that: (a) these Terms, any notices, consents, disclosures, correspondence, and other communications we provide to you electronically satisfy any legal requirement that they be in writing; (b) electronic signatures (including a typed name, a clicked checkbox, or a rendered signature image in a digital signing platform) have the same legal effect as handwritten signatures on paper; and (c) you have the ability to access and retain records we provide in common electronic formats, including HTML pages and PDF documents, on devices and software you routinely use.

If at any time you prefer to receive a paper copy of a document we have provided to you electronically, you may request one by emailing info@quickerhomeloans.com. We do not charge a fee for paper copies.

Quicker Home Loans is an Equal Housing Opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the good-faith exercise of any right under the Consumer Credit Protection Act.

Questions about these Terms: