Terms of Use Statement

Sterling Lending Group, Inc.

  105 Mill Plain Road

Danbury, CT 06811

TERMS OF USE AGREEMENT

Please read these Terms of Use "Agreement" carefully. By accessing this Web site and any pages hereof, you agree to be bound by the terms and conditions here below. This Agreement contains an agreement to arbitrate all Claims and disclaimers of warranties and liability. If you do not agree to these terms and conditions, do not access this Web site.Sterling Lending Group, Inc.  is Licensed Connecticut Correspondent Lender. Registered in New York as Sterling Residential Mortgage, N.Y.S. Banking Department.  Loans are arranged with  third party lenders. Rates and programs are subject to change. Although every effort is made  to quote rates of identical mortgages and loans, differences may occur. Equal Housing Lender.operates   this Web site. For purposes of this Agreement, “Shanti Home Loans.com" means Shanti Home Loans.com, LLC. Shanti Home Loans.com.LLC is a wholly owned company of Sterling Lending Group, Inc.

LOAN ORIGINATION SERVICES

You hereby confirm and agree that all of the information you have provided in your loan request is true, just and complete. By submitting your loan request form, you also agree to and accept this Agreement in its entirety.

Traditional (Long-Form-1003) Sterling Lending Group, Inc.

Sterling Lending Group, Inc. provides wide options of loan offers from its network of Lenders.  By submitting the Long Form (1003) loan request form, you authorize Sterling Lending Group, Inc, to provide your information to our pool of Lenders of the  Sterling Lending Group, Inc. You also authorize Sterling Lending Group, Inc., and its Lenders, to check your credit history.

To determine which Lenders may be best match for your credit history and situation, Lenders provide to us with specific criteria about the type of loan (example; purchase, refinance, or cash out equity loan) and the type of loan customer ( example, state of property or credit history) in which the Lender is interested.

The offers you initially receive may be the lowest offers based on the interest rates set by the wholesale mortgage lenders based on your specific criteria and creditworthiness. Sterling Lending Group, Inc., may not be allowed to provide the name of the wholesale mortgage bank or investor.

Regardless whether you obtain a loan from Sterling Lending Group, Inc., at closing, you he loan applicant, will be responsible for paying for any settlement or closing costs associated with your loan (such as loan processing, underwriting, or funding fees, title insurance premiums, notary fees, etc.).

Terms Applicable to All Loan Services

Sterling Lending Group, Inc. is not a lender and does not make loans or credit decisions in connection with loans. Sterling Lending Group, Inc does not endorse or recommend products of any specific Lender on any of its websites. Sterling Lending Group, Inc.  is not an agent of either you, the User, or any participating Lender. Sterling Lending Group, is a correspondent Lender which only originates Loans. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means.  The Lender is solely responsible for its services to you, and you agree that Sterling Lending Group, Inc shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request application, regardless of whether or not you are qualified for a loan with them.

This Web site and the services provided by Sterling Lending Group, Inc. is available only in connection with mortgage loans made on real property located in the Licenses States unless otherwise specified, and (b) non-mortgage loans made to citizens and residents of the United States.  

Sterling Lending Group, Inc. does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating Lender; loan approval standards are established, maintained solely by individual Lenders. Sterling Lending Group, Inc. does not guarantee that the loan terms, conditions, or rates offered and made available by participating Lenders through this Web site are the best terms or lowest rates available in the market. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement.

Sterling Lending Group, Inc. may or may not charge you, the loan applicant, a fee to use our service(s). Your use of this Web site and/or Sterling Lending Group, Inc services constitutes your agreement with this compensation arrangement.

By hitting submit or requesting to be matched with Lenders under any programs herein, you understand and agree that you are submitting an inquiry as to a lending product with Sterling Lending Group, Inc. and each of the Lenders to whom your loan request is transmitted. By submitting the loan request containing your electronic signature, you are extending an express invitation to each of the Lenders making you loan offers to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list. By saving your information with Sterling Lending Group, Inc and/or submitting a loan request, you give Sterling Lending Group, Inc. permission to make recorded calls to remind you of any deadlines or issues in connection with your loan request.

Real Estate Create an Account/Registration
By creating an account or otherwise registering with this site, you hereby understand and agree that you have established a business relationship between you and Sterling Lending Group, Inc., which is the owner of this site. As such, you agree that Sterling Lending Group, Inc. may contact you using information you provided with information and offers of services available through Sterling Lending Group, Inc. and any of its websites. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list.

COPYRIGHT AND TRADEMARK NOTICES
All contents of this Web site are: Copyright © 2008 Sterling Lending Group, Inc and or Shanti Home loans.com. LLC,  105 Mill Plain Road, Danbury, CT 06811, U.S.A. All rights reserved. Sterling Lending Group, Inc is a service mark of Sterling Lending Group, Inc.

DISCLAIMERS AND LIMITATIONS
Sterling Lending Group, Inc. intends that the information contained in its Web site be accurate and reliable; however, errors  sometimes occurs. In addition, changes and improvements to the information provided herein may be made by Sterling Lending Group, Inc at any time. THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." STERLING LENDING GROUP, INC., DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE IS AT YOUR OWN RISK. STERLING LENDING GROUP, INC.,  ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR STERLING LENDINGGROUP, INC., OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF STERLING LENDING GROUP, INC., HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNITY
As a condition of use of this Web site and/or Sterling Lending Group, Inc. services, you agree to indemnify Sterling Lending Group, Inc against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.

LINKS TO THIRD PARTIES
This Web site may contain links to Web sites maintained by third parties. Such links are provided for your convenience and reference only. Sterling Lending Group, Inc does not operate or control in any respect any information, software, products or services available on such Web sites. Sterling Lending Group, Inc. inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents.

ERRORS AND DELAYS
Sterling Lending Group, Inc is not responsible for any errors or delays in responding to a qualification form or referral form caused by an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

DISPUTE RESOLUTION
Any claim or controversy arising out of or relating to the use of this Web site, services provided by Sterling Lending Group, Inc. or to any acts or omissions for which you may contend Sterling Lending Group, Inc. is liable, including but not limited to any claim or controversy as "Dispute", shall be finally, and exclusively, settled by arbitration. The arbitration shall be held before one arbitrator under the commercial arbitration rules of the American Arbitration Association ("AAA") in force at that time. The arbitration shall be venued in the state of Connecticut.. The arbitrator shall be selected pursuant to the AAA rules. Should no AAA rule regarding the selection of an arbitrator be in effect, the consumer shall select an arbitrator from a panel of arbitrators acceptable to Sterling Lending Group, Inc . In any arbitration, Sterling Lending Group, Inc. will pay the filing fee, plus the costs associated with the first day of arbitration, with the remaining costs of arbitration paid by the non-prevailing party.

Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction in the State of Connecticut. The arbitrators shall not have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim. The agreement to arbitrate shall not be construed as an agreement of consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved.

THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU, THE LOAN APPLICANT AND STERLING LENDING, INC., WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using Sterling Lending Group, Inc. services you consent to ALL of these restrictions.

Should a Dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Sterling Lending Group, Inc., the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts in the State of Connecticut.  If either party employs attorneys to enforce any right in connection with any Dispute or lawsuit the prevailing party shall be entitled to recover reasonable attorneys' fees.

OTHER TERMS
This Agreement constitutes the entire agreement between you the loan applicant, and Sterling Lending Group, Inc. and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Sterling Lending Group, Inc. with respect to this Web site and information, software, products and services associated with it. This Agreement shall be subject to and construed in accordance with the laws of the State of Connecticut, excluding its conflict of laws principles. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.