Terms of Service
Effective Date: July 28, 2026
1. Acceptance
By accessing or using this website (the "Toolkit"), you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Toolkit.
2. Eligibility
You affirm that you are 18 years or older and legally able to enter into these Terms.
3. About Previse Mortgage
Previse Mortgage (NMLS #2730429, PA Broker #115658) is a Pennsylvania company headquartered in Spring Grove, PA 17362. We are licensed to originate residential mortgage loans in Pennsylvania (and additional states as our license footprint expands) via the NMLS system.
4. What the Toolkit Is (and Isn't)
The Toolkit is a set of educational mortgage calculators and a way to request a free consultation with a Previse Mortgage advisor. It is not a loan application, a pre-approval, a rate quote, or a commitment to lend. Calculations are illustrative only.
5. Accuracy of Information
If you submit contact information you agree to provide truthful, complete details. You authorize us to contact you at the email or phone number you provided, using the channels you consented to.
6. Intellectual Property
All content on this website (text, logos, designs, graphics, and software) is owned by or licensed to Previse Mortgage and protected by intellectual-property laws. You may not copy, distribute, modify, or reuse any of the materials without written consent.
7. No Guarantee of Lending Terms
Any rates, fees, or terms shown are approximate and for informational purposes only. Actual financing terms are not guaranteed until you receive a written Loan Estimate or Closing Disclosure from a licensed lender.
8. Disclaimer of Liability
To the fullest extent permitted by law, Previse Mortgage and its affiliates disclaim all liability for losses or damages arising from your use of this site, calculation errors, website downtime, or external links. We are not liable for fraudulent communications falsely claiming to be from us — always verify via our official channels listed below.
9. External Links
The Toolkit may link to third-party websites or services. These are provided for convenience and do not constitute endorsement. We have no control over third-party content or security.
10. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Courts of York County, PA have exclusive jurisdiction over any disputes.
11. Modification
We may modify these Terms at any time. Revisions will be posted on this page with an updated "Effective Date." Continued use constitutes acceptance.
12. SMS/Text Messaging Terms
By opting in to SMS from Previse Mortgage, you agree that:
- We may send informational and conversational texts related to your inquiry.
- Message frequency varies. Standard message and data rates may apply.
- Reply STOP to opt out; reply HELP for help.
- Wireless carriers are not liable for delayed or undelivered messages.
- You must be 18 or older to opt in.
See Section 10 of our Privacy Policy for how we handle your mobile number and SMS data.
13. Other Communications
If you consent, we may also send marketing and mortgage-related communications via email or phone. You can opt out at any time by following the unsubscribe instructions in our communications or by emailing us.
14. Waiver and Severability
Our failure to enforce a right does not waive it. If any part of these Terms is held invalid, it will be severed and the remainder will remain in full force.
