Terms and Conditions

The following are the terms of our website and these Website Terms are a legal contract between you and www.FloridaFirstTimeHomeBuyer.info and this document covers all aspects of your use of our websites.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY STOP YOUR USE OF THE WEBSITES.

1. Eligibility

The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, or are persons who are legally incompetent by law or otherwise, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR “APPLY” OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU AGREE AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES AND ARE OF SOUND MIND AND WOULD BE JUDGED LEGALLY COMETENT BY A COURT OF LAW AND CONSIDER YOURSELF NOW LEGALLY COMPETENT. ALL of the products and services offered through the Website www.FloridaFirstTimeHomeBuyer.info will be subject to additional terms and conditions and are dependent on Annual Personal and/or Family Income, Creditworthiness, and other Lending Criteria. Those lending guidelines are not determined by this website. Those lending guidelines are generally set forth by the sponsoring Down Payment Assistance Entity and/or, Fannie Mae, HUD, or any particular Investor on the Secondary Market. This website makes no guarantees or recommendation about any mortgage loan, its outcome or solutions for credit issues involving Borrower and/or Co-Borrower.

2. Products and Services

The above website www.FloridaFirstTimeHomeBuyer.info and www.FloridaDownPaymentAssistance.com website are presented only as online informational tools where visitors can research and submit requests for a Realtor and/or qualified Mortgage Loan Officer to contact the person(s) who filled out the form and discuss their Home Buying and/or general lending criteria. A limited amount of Mortgage Loans are disclosed on these sites and we do not represent in any form that these are the only mortgage loans available regarding Florida First Time Home Buyers and/or down payment assistance. We do recommend that all users of this site do their own Due Diligence and research different types of home Mortgage Loans, as well as other products and services that may be applicable to a home purchase. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of our websites, the website will share your information as may be required in order to match you with approximations of Mortgage Loan products and/or Realty services that you request. This site is owned by a licensed and active Real Estate Broker, Roger Lazzarino and you can call him at 407-801-2950 with any questions you may have regarding this website.

When you submit, send or present your contact information to these websites, you are expressly consenting to be contacted by us or by one or more providers and/or affiliates of these products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. Our staff and affiliates have 3 months to initially contact you to discuss your request.

You may explore mortgage options through the websites. You understand that the Websites may obtain your personal information at your discretion (such as your full name, address, telephone number and other information) in order to establish your potential qualification for the various loan programs available through our Websites and Investors. We are only estimating fees, mortgage payments, mortgage costs, interest rates (can only be determined by your lender), to estimate the terms under which said loans may be offered to you. In addition, the Websites may send or sell your cursory information that you provided via the websites. We DO NOT ever ask for your Social Security Number on our websites, either for our own use or to be sold to a third party. We do not charge you for using these mortgage loan websites and they are for informational purposes only. They are not to be used as negotiating tools by either you or any of our Website affiliates. In exchange for the use of these informational services, you agree to talk to at least one of our website Realtors and/or Loan Officers or affiliate employees. Thank you for agreeing to our Terms and we look forward to serving you in the future. If you have any questions or concerns please call Roger Lazzarino, Licensed Real Estate Broker 407-801-2950