Legal.

No Refi Terms & Conditions

This offer applies only to first-lien mortgage refinance loans brokered by Dwell Mortgage and is not valid for subordinate, simultaneous, or HELOC closings. Reverse mortgage loans are not eligible. The offer waives only the lender fee charged by the lender/investor the client chooses for their refinance, typically called underwriting. This offer does not cover discount points, mortgage origination, which can also be called originator compensation, or any third-party charges such as processing, title, settlement, appraisal, credit report, commissions, or similar service fees. In plain english, this offer does not remove Dwell's ability to charge and make profit on any refinance loan, nor charge valid third party fees Dwell has no control over.

To qualify, you must have closed a previous first-lien mortgage (purchase) loan(s) brokered by Dwell Mortgage LLC on or after January 1, 2023, and at least six (6) months before submitting a new application.

Refinancing your existing loan may increase the total amount of interest you pay over the life of the loan. All loans are subject to credit and underwriting approval. Additional terms, conditions, and restrictions may apply. Contact us for full details.

Disclosures

By creating an account or submitting a loan application you agree to our Terms of Use and our Privacy Policy. You also expressly consent to participate in the transaction electronically, including the use of electronic records and signatures, rather than submitting and receiving documents in paper form. You also expressly consent to receive messages regarding this inquiry as well as marketing and other messages from Dwell Mortgage LLC or its mortgage lending subsidiaries by phone (including auto-dialed, artificial, or prerecorded phone calls) and/or text messages (SMS and MMS) to the phone number(s) you provide; acknowledge of this consent is not a condition of purchasing any goods and/or services; and confirm this action constitutes your signature. Message and data rates may apply. Reply STOP at any time to remove yourself from SMS Communication.

In accordance with the legal Equal Credit Opportunity Act, Dwell Mortgage LLC does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer's income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Decision times are usually within 48 hours. Preapproval is determined by a number of factors. Not everyone will qualify.

SMS Opt Out / Opt In

We use SMS or Text Messaging communication as a courtesy to our clients and partners. By providing your phone number and opting into SMS communications, you agree to receive text messages from Dwell Mortgage. SMS communications are governed by the SMS Terms & Conditions and Privacy Policy found on this page.

To "Opt Out" reply STOP at any time to remove yourself from SMS Communication. Please keep in mind that once you have "Opted Out" we cannot opt you back in manually. You would have to send an SMS to the number you had opted out of with the word START or UNSTOP.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or contact [email protected]. Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency may vary. For questions about your text or data plan, contact your wireless provider. For privacy-related inquiries, please refer to our Privacy Policy on this page.

SMS Terms & Conditions

By providing your mobile phone number and opting in to receive SMS communications from Dwell Mortgage, you consent to receive text messages that may comprise of loan application updates, mortgage process notifications, appointment reminders, document requests, customer service communications, delivery of requested educational resources such as homebuyer guides and mortgage planning materials, rate update notifications, and occasional mortgage-related messages.

Message frequency varies depending on your interactions with us and the status of your loan process. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP to any message. Once you opt out, you will no longer receive SMS messages from us unless you provide new consent. For assistance, reply HELP to any message or contact us at [email protected].

Carriers are not liable for delayed or undelivered messages. By opting in to receive SMS communications, you represent that you are at least 18 years of age. Your participation in our SMS program is also governed by our Privacy Policy.

Calculators, Tools & Product Notices

Legal Notice Regarding Our Mortgage / Payment Calculators / Mortgage Tools

Our calculators and tools are intended for planning and education purposes only. The figures are based on the numbers shown on the payment calculator. The interest rate, APR, and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors. Chart data is for illustrative purposes only. Costs displayed here are not necessarily all inclusive and can vary based on numerous factors. Rates are subject to change without notice. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice and should not be used as your sole source of information.

Disclaimer About Mortgage Loan Products On The Website

This website provides information about certain lender loan programs and programs. All programs and information listed on this website are subject to change at any time, without prior notice. It is strongly recommended that visitors to this website contact one of our representatives to determine if the current loan guidelines meet their needs and what the current loan program guidelines are.

Notice about Non-Qualified Mortgages

Non-Qualified Mortgage products may have a higher interest rate, more points or more fees than other products requiring documentation.

Decision Times

Decision times are usually within 24 hours. There are times when the volume of pre-qualifications may slow the process down.

Privacy Policy

Dwell Mortgage LLC ("Dwell Mortgage," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or otherwise interact with us.

Information We Collect

We may collect personal information that you voluntarily provide to us, including but not limited to: name, email address, phone number, mailing address, financial information necessary for loan applications (income, assets, employment information, credit history), Social Security number, date of birth, and property information. We may also automatically collect certain information about your device and how you interact with our website, including IP address, browser type, pages visited, and time spent on pages, through cookies and similar technologies.

How We Use Your Information

We use the information we collect to: process and evaluate your loan application; communicate with you about your loan, our services, and related matters; verify your identity and prevent fraud; comply with legal and regulatory requirements; improve our website and services; and, with your consent, send you marketing communications about products and services that may interest you.

How We Share Your Information

We may share your information with: lenders and investors in connection with your loan application; third-party service providers who assist us in operating our business (such as credit bureaus, title companies, appraisers, and technology providers); regulatory agencies and law enforcement when required by law; and other parties with your consent. We do not sell your personal information to third parties. SMS opt-in consent and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

Depending on your state of residence, you may have rights regarding your personal information, including the right to access, correct, or delete your information, and the right to opt out of certain data practices. To exercise these rights or ask questions about our privacy practices, contact us at [email protected] or 800-605-1626.

Cookies & Tracking

Our website uses cookies and similar tracking technologies to enhance your experience, analyze site traffic, and for marketing purposes. You can control cookies through your browser settings, though disabling cookies may affect site functionality.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised effective date. Continued use of our website or services after changes constitutes acceptance of the updated policy.

Terms of Use

By accessing or using the Dwell Mortgage website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Use of Website

The content on this website is for general informational purposes only and does not constitute a loan offer, commitment to lend, or financial, legal, or tax advice. Rates, programs, and information are subject to change without notice. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of this website by, any third party.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Dwell Mortgage LLC or its content suppliers and is protected by applicable copyright and trademark law. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Limitation of Liability

To the fullest extent permitted by law, Dwell Mortgage LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of this website. Your use of this website is at your own risk.

Coaching, Training & Call Recording

For quality assurance, training, and compliance purposes, calls with Dwell Mortgage may be monitored or recorded. By continuing on a call after notice of recording, you consent to the recording. Coaching and training materials, sessions, or advice provided by Dwell Mortgage or its affiliates are for educational purposes only and do not guarantee any particular outcome or result.

AI Disclaimer

Dwell Mortgage may use artificial intelligence (AI) tools to assist with communications, content creation, marketing materials, and certain customer service functions. AI-generated content is reviewed for accuracy, but errors may occur. Nothing produced with the assistance of AI constitutes a loan offer, commitment to lend, or financial, legal, or tax advice.

All loan decisions are made by licensed professionals and are subject to underwriting and credit approval by the applicable lender. If you have questions about any content or communication you receive from us, please contact a licensed Dwell Mortgage professional directly at 800-605-1626.

If any AI-assisted communication appears inaccurate or inconsistent with official loan documents, the official loan documents control.