Terms & Conditions

Introduction:

  1. These Terms and Conditions govern the relationship between Upperhand Solutions, LLC (“Company”) and the client (“Client”) in connection with the provision of real estate loan origination services, specifically focusing on Non-Qualified Mortgages (Non-QM loans).Phone: (864)-903-6617

  1. Services:

    1. Loan Origination: Company will assist Client in the process of obtaining a Non-QM loan, including but not limited to:

      • Gathering and analyzing financial documentation.

      • Identifying suitable loan programs.

      • Submitting loan applications to lenders.

      • Guiding Client through the loan application and approval process.

      • Communicating with lenders and other parties involved in the transaction.

      • Disclaimer: Company does not guarantee loan approval or any specific interest rate or terms.

  2. Client Responsibilities:

    1. Provide Accurate Information: Client agrees to provide accurate and complete information regarding their financial situation, employment history, and property details.

    2. Cooperate with Lenders: Client agrees to cooperate fully with lenders and provide any requested documentation in a timely manner.

    3. Maintain Communication: Client agrees to maintain open and timely communication with Company regarding the loan application process.

  3. Fees and Expenses:

    1. Fees: Company may charge fees for its services, including but not limited to origination fees, application fees, and processing fees. Fees will be disclosed to Client in writing prior to loan application submission.

    2. Expenses: Client may be responsible for certain expenses related to the loan application process, such as appraisal fees, credit report fees, and title insurance fees.

  4. Confidentiality:

    1. Confidentiality: Company agrees to maintain the confidentiality of all Client information received during the loan origination process, except as required by law or as necessary to fulfill its obligations under this agreement.

    2. Client Responsibilities: Client agrees to maintain the confidentiality of all information provided by Company.

  5. Disclaimer of Warranties

    1. No Guarantees: Company makes no warranties, express or implied, regarding the availability, terms, or conditions of any loan.

    2. No Liability for Third-Party Actions: Company is not liable for any actions or inactions of lenders, appraisers, title companies, or any other third parties involved in the loan process.

  6. Limitation of Liability

    1. Limitation of Liability: In no event shall Company be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to this agreement or the provision of services, even if advised of the possibility of such damages.  

  7. Termination:

    1. Entire Agreement: This agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior

      or contemporaneous communications, representations, or agreements, whether oral or written.  

  8. Governing Law:

    1. Governing Law: This agreement shall be governed by and construed in accordance with the laws of the State of South Carolina.

  9. Entire Agreement:

    1. Entire Agreement: This agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written.

  10. Severability:

    1. Severability: If any provision of this agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall

  11. Contact Information:

    1. Client acknowledges that they have received and understand these Terms and Conditions.