Terms and Conditions

Last updated: January 1, 2024

Welcome to the Zoom Home Lending, LLC website. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing and using the Zoom Home Lending, LLCwebsite (“Site”), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this Site.

2. Company Information

Zoom Home Lending, LLC (NMLS #2620616) is a licensed mortgage company headquartered at 17187 North Laurel Park, Suite 350, Livonia, MI 48152. California License #60DBO-197762.

3. Not a Commitment to Lend

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

4. Use of Website

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our website.

5. AI Chat Assistant

Our website features an AI-powered chat assistant (“Zoey”) designed to collect preliminary information and guide you through initial steps of the mortgage process. Please be aware that:

  • Zoey is an AI assistant and does not provide loan approvals, rate quotes, or binding commitments.
  • Information collected through the chat is used to connect you with a licensed loan officer.
  • Do not share sensitive information such as Social Security numbers, dates of birth, or bank account numbers through the chat.
  • All loan decisions are made by licensed loan officers, not by the AI assistant.

6. Information Accuracy

While we strive to provide accurate and up-to-date information on our website, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

7. Interest Rates and Programs

Interest rates, annual percentage rates (APRs), loan programs, terms, and conditions displayed on this website are subject to change without notice. The rates shown are for informational purposes only and may not reflect the rate you will receive. Your actual rate will depend on a variety of factors including credit score, loan-to-value ratio, property type, and other underwriting criteria.

8. Privacy

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our practices.

9. TCPA Consent

By submitting your contact information through our website, chat assistant, or any form, and by checking the consent box, you expressly consent to be contacted by Zoom Home Lending, LLC and its affiliates by phone, text message, and email at the contact information provided, including through the use of automated technology. You understand that consent is not a condition of any purchase. Message and data rates may apply.

10. Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to this Site are protected under applicable copyrights, trademarks, and other proprietary rights. Copying, redistribution, use, or publication by you of any such matters or any part of the Site is prohibited without express written permission from Zoom Home Lending, LLC.

11. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience and do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

12. Limitation of Liability

In no event shall Zoom Home Lending, LLC, its officers, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content, (ii) personal injury or property damage related to your use of the website, (iii) unauthorized access to or use of our secure servers, or (iv) any interruption or cessation of transmission to or from our website.

13. Equal Housing Lender

Zoom Home Lending, LLC is an Equal Housing Lender. We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income may be derived from any public assistance program.

14. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions.

15. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the new Terms and Conditions.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: