LEGAL | Excel Realty & Mortgage, Inc.

Equal Housing Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:
In the sale or rental of housing
In advertising the sale or rental of housing
In the financing of housing
In the provision of real estate brokerage service
In the appraisal of housing
Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives from any public assistance program; or, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Security Policy

Excel Realty & Mortgage, Inc., places a high priority on protecting your personal and confidential information. We make every effort to guard the information you provide us, no matter how we receive it.

This agreement (“Agreement”) governs the use of the Excel Realty & Mortgage, Inc. website. It should be read carefully before accessing or using this website (“Site”).

By accessing or using the Site, you agree to be bound by this Agreement and the Terms of Use. If you do not consent, please do not utilize the Site or the materials contained therein. Excel Realty & Mortgage, Inc. provides the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site constitutes your agreement to all such terms, conditions and notices.

This site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site are provided with the understanding that Excel Realty & Mortgage, Inc., is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

Excel Realty & Mortgage, Inc. and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. Excel Realty & Mortgage, Inc. strives to keep the information on this Site accurate, complete and up-to-date yet do not guarantee that is the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower’s situation is unique to every situation and your situation needs to be individually analyzed. , Excel Realty & Mortgage, Inc. and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information presented or its application in your situation.

PERSONAL AND NONCOMMERCIAL USE LIMITATION:

You may access, download and print materials on this Site for your personal and non-commercial use. Use the information to obtain the right loan and the best terms for your particular situation from your preferred provider.

PERSONAL AND NONCOMMERCIAL USE LIMITATION:

NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant to Excel Realty & Mortgage, Inc., that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.

PROHIBITED USES

You are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by Excel Realty & Mortgage, Inc. you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Excel Realty & Mortgage, Inc., you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate police agencies.

PROPRIETARY RIGHTS

All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by Excel Realty & Mortgage, Inc.. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of Excel Realty & Mortgage, Inc.. All rights reserved.

LINKS TO THIRD PARTY SITES

During your use of this website or at any time in the process, you may be led to other web sites operated by unaffiliated parties. Inclusion of hyperlinks by Excel Realty & Mortgage, Inc. to web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. Excel Realty & Mortgage, Inc. is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. Excel Realty & Mortgage, Inc. is not responsible for the use of the information that you give any third parties.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein, and it results in costs accrued, damages to you, your computer, your property, requires maintenance, requires software downloads, the need for servicing or replacing property, equipment or data, Excel Realty & Mortgage, Inc. will not be responsible for those costs.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. EXCEL REALTY & MORTGAGE, INC., ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL EXCEL REALTY & MORTGAGE, INC., ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF EXCEL REALTY & MORTGAGE, INC., ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

CHANGES TO AGREEMENT

Excel Realty & Mortgage, Inc. may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

MISCELLANEOUS

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law. Failure by Excel Realty & Mortgage, Inc., to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Excel Realty & Mortgage, Inc., and you related to this Agreement shall be brought exclusively in federal district court.

Excel Realty & Mortgage, Inc. logos, product and service names are trademarks /service marks owned by Excel Realty & Mortgage, Inc.. You agree not to display or use in any manner, the Marks without the prior written permission of Excel Realty & Mortgage, Inc..

No Minor Use

This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited.

Use within the United States

This website is intended to be accessed by persons located within the United States of America. Access and use of this website by persons from locations other than the United States is prohibited.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Excel Realty & Mortgage, Inc., its affiliates and suppliers from any liability, loss, claim and expense (including attorney’s reasonable fees) related to your violation of this Agreement.

Last Updated: 12/15/21