Website Terms of Use

Legal Notice Terms and Conditions of Use

First and Secondary Mortgage Loans to Qualified Applicants in the states we lend

1. GENERAL DISCLAIMER:
   NEITHER ZAPIT CREDIT REPAIR, LLC, ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS, MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION CONTAINED AT THIS WEB SITE (INCLUDING THE PAYMENT AND SAVINGS CALCULATORS) OR REPRESENT THAT USE OF THIS INFORMATION WOULD NOT INFRINGE OTHER THIRD PARTY RIGHTS. FURTHER, ZAPIT CREDIT REPAIR, LLC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR THIRD PARTY ARISING FROM USE OF THIS WEB SITE
2. Hold Harmless:
   In providing this information, ZAPIT CREDIT REPAIR, LLC does not assume any liability as a result of the use or misuse of this information.
3. By your use of this information, you recognize and agree to hold ZAPIT CREDIT REPAIR, LLC harmless from any liability as a result of your use or misuse of this information, materials, products or services listed at this web site
4. Change of Information at Web site:
   ZAPIT CREDIT REPAIR, LLC reserves the right to change any information at this web site, including but not limited to revising and or deleting loan products or loan-related information without notice.
5. Web site Information is Not a Loan Offering:
   The user is further advised that unless otherwise stated to the user, nothing contained in this web site is an offer, promise, or otherwise, either to make a specific loan or that ZAPIT CREDIT REPAIR, LLC can make any kind of loan for any purpose on any specific terms. All loan-related decisions are made by Apex Lending, Inc., marketed by ZAPIT CREDIT REPAIR, LLC, in the course of its normal business and any applicable loan offerings are made to qualified applicants in separate loan documents which are required by applicable federal and state laws of the United States of America.
6. Geographic Restriction:
   Loans may only be made to properties located in the United States of America. ZAPIT CREDIT REPAIR, LLC is a marketing firm and is not authorized to make any loans. Apex Lending, Inc. is not authorized by any agency to make any loan outside of the United States of America and by this web site does not attempt to do so. ZAPIT CREDIT REPAIR, LLC, reserves the right to change loan products in any specific state. ZAPIT CREDIT REPAIR, LLC is currently marketing this website in the following states and Apex Lending, Inc. is presently originating loans in:
   Alabama; Consumer Loan #15066.001, Alaska; HUD Exempt, Arizona; Mortgage Banker - Branch 0113279 - Office 0908860, Arkansas; Mortgage Lender/Broker #11105, California; DOC - Finance Lender & Broker #603A353, Colorado; Mortgage Broker#LMB100008526, Connecticut; Mortgage Lender/Broker #FMLB14960 , Florida; Mortgage Lender #CLB0701646, georgia; Mortgage Lender/Broker #14840, Illinois; Mortgage Lender #MB.6759648, Indiana; Lender/Broker #9802, Kentucky; Mortgage Broker #19219, Louisiana; Mortgage Lender, Maine; Mortgage Lender/Broker #SLM9237, Maryland; Mortgage Lender #ML11987, Massachusetts; Mortgage Lender/Broker #MC4638, Michigan; Mortgage Lender/Broker #FL-0014051, Missouri; HUD Exempt, New Hampshire; Mortgage Lender/Broker #10789MB, New Jersey; Mortgage Banker #0758828, New Mexico; Banker/Broker #02526, North Carolina; Mortgage Lender #L-138709, Ohio; Lender/Broker #MB803412, Oklahoma; Mortage Lender/Broker #SL007197, Pennsylvania; Mortgage Lender/Broker #13858.001, South Carolina; Lender/Broker #MB-0711500 , Tennessee; Mortgage Broker/Lender #1907, Texas; Mortgage Broker #11809, Virginia; Mortgage Lender/Broker and Wyoming; Mortgage Lender/Broker #1826. FURTHER DISCLOSURES:
   AZ: AZ license BK #0908860  -  CA: CA - Licensed by the Dept of Corporations under the California Finance Lenders Law  -  GA: Georgia Residential Mortgage Licensee  -  IL: Illinois Residential Mortgage Licensee  -  KS: "Kansas Licensed Mortgage Company"  -  NH: Licensed by the New Hampshire Banking Department  -  NJ: Licensed by the N.J. Department of Banking & Insurance  -  OH: Ohio License # MB803412.000  -  PA: Licensed by the Pennsylvania Dept. of Banking  -  TX: Apex Lending is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint should complete, sign, and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be downloaded and printed from the department’s web site located at http://www.sml.state.tx.us/ or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline at 1-877-276-5550, by fax at (512) 475-1360, or by e-mail at smlinfo@sml.state.tx.us. The department maintains the mortgage broker recovery fund to make payments of certain types of judgments against a mortgage broker or loan officer. Not all claims are compensable and a court must order the payment of a claim from the recovery fund before the department may pay a claim. For more information about the recovery fund, please consult Subchapter Fof the Mortgage Broker License Act on the department’s web site referenced above.  -  VA: Licensed by Virgina State Corporation Commission, license # MLB-1475
7. Confidentiality of Electronic Transmissions:
   The user is cautioned that transactions over the Internet may not be confidential and may be subject to unauthorized interception by third parties. Accordingly before any information is provided to ZAPIT CREDIT REPAIR, LLC, to be used by Apex Lending, Inc., the user should understand that ZAPIT CREDIT REPAIR, LLC, assumes no liability or responsibility should the user's confidential information be intercepted and subsequently used by an unintended recipient. As an alternative the user may call a representative with Apex Lending, Inc. directly for assistance or further information.
8. Linking to Other Web Sites:
   Clicking on certain links within this web site will take you to other non-related Web Sites for which ZAPIT CREDIT REPAIR, LLC, assumes no responsibility of any kind for the content or otherwise. Access to any other Web Sites linked to ZAPIT CREDIT REPAIR, LLC's, site is at the user's risk.
9. ZAPIT CREDIT REPAIR, LLC is not a Licensed Mortgage Broker or Lender in any of the States on this website.
10. This site, and its contents, are protected by copyright law and registered with the United States Library of Congress. No portion, either in its entirety or in part, nor web design techniques, may be reproduced without the express written consent of ZAPIT CREDIT REPAIR, LLC. No permission is implied or offered to any user of any protected material content or design contained within this site. Unauthorized use or duplication of this content is a Federal Offense and punishable by fine and possible prison time under U.S. Copyright Laws.
11. No information from this site may be reproduced in whole or in part, in any manner, to include but not limited to: other web pages, other web sites, advertising, any promotional material, in any publication, newsletter, circular, e-mail and any other form of reproduction not covered, regardless of nature or purpose.
12. You may not link to any image on this site excluding our primary logo image. You may not use any type of scanning program to download this sites entire content. We consider this not only an attempted infringement on our copyright protection, we consider this bandwidth theft.
13. This site ant its contents is owned and managed by ZAPIT CREDIT REPAIR, LLC. ZAPIT CREDIT REPAIR, LLC, does not knowingly allow any client to discriminate in anyway by race, ethnicity, gender, religion, income, dependents or any other manner defined by law. All fees, charges and terms relating to this web site apply to all applicants who choose to apply using this web site without exception. Applicants who choose not to use this site to apply for a mortgage, but still wish to do business with Apex Lending, Inc., are subject to the same terms. All applications sent via Fax, e-mail or any other form of alternative delivery, are subject to the same terms by Apex Lending, Inc. based upon the loan program requested by the borrower.