Home Equity

Effective Date: January 1, 2026

Website: www.lendingteams.com

Company: Lending Team, Inc.

1. Acceptance of Terms

Welcome to Lending Team, Inc. (“Company,” “we,” “our,” or “us”). By accessing or using www.lendingteams.com (the “Website”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, you should not use this Website. This Website is intended for users located in the United States.

2. Company Information & Licensing

Lending Team, Inc. is a mortgage broker licensed to conduct business in Pennsylvania, New Jersey, and Florida. All mortgage services are subject to applicable state and federal laws. Mortgage loans are arranged through third-party lenders. Lending Team, Inc. does not make loans directly unless otherwise stated. Additional state-specific licensing disclosures and NMLS information will be provided where required.

3. No Loan Commitment or Guarantee

Information provided on this Website is for informational purposes only and does not constitute a loan approval, commitment, or offer to lend. All loan approvals are subject to credit review, income verification, asset verification, property appraisal, and lender underwriting guidelines. Rates and programs are subject to change without notice.

4. Mortgage Brokerage Relationship

Lending Team, Inc. acts as a mortgage broker and may collect financial information, submit loan applications to lenders, and receive compensation from lenders and/or borrowers as permitted by law. Compensation disclosures will be provided as required under federal and state law. We do not provide legal, tax, or financial planning advice.

5. User Responsibilities

By using this Website, you agree to:

• Provide accurate and truthful information
• Not submit false or misleading financial data
• Not use the Website for unlawful purposes
• Not attempt to gain unauthorized access to systems

Providing false information may result in denial of services and may violate state or federal law.

6. Electronic Communications

By submitting information through this Website, you consent to receive communications from Lending Team, Inc. via email, phone, text message, and automated dialing systems. Message and data rates may apply. You may opt out of marketing communications at any time by following unsubscribe instructions or contacting us directly.

7. Privacy

Your use of this Website is also governed by our Privacy Policy, which describes what information we collect, how we use and store information, and how we protect personal data. We implement reasonable safeguards but cannot guarantee absolute security of online transmissions.

8. Intellectual Property

All content on this Website, including text, logos, graphics, branding, and website design, is the property of Lending Team, Inc. and may not be copied, reproduced, or distributed without written permission.

9. Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the content, security, or privacy practices of third-party sites.

10. Limitation of Liability

To the maximum extent permitted by law, Lending Team, Inc. shall not be liable for indirect or consequential damages, loss of profits, errors or omissions in Website content, delays in loan processing, or decisions made by third-party lenders. Use of this Website is at your own risk.

11. No Professional Advice

Information provided on this Website does not constitute legal, tax, or financial advisory services. You should consult licensed professionals before making financial decisions.

12. Indemnification

You agree to indemnify and hold harmless Lending Team, Inc., its officers, employees, and affiliates from any claims arising from your use of the Website, your violation of these Terms, or your submission of inaccurate information.

13. Governing Law

These Terms shall be governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles. Mortgage transactions will also be subject to the laws of Pennsylvania, New Jersey, or Florida, as applicable.

14. Modifications to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated Effective Date. Continued use of the Website constitutes acceptance of revised Terms.

15. Contact Information

Lending Team, Inc.
95 Almshouse Rd, Unit 307
Richboro, PA 18954
NMLS# 2254425
Phone: 267-415-3900
Email: robert@lendingteams.com
Website: www.lendingteams.com