Here's a comprehensive Terms of Service page for Rockmount Lending:
TERMS OF SERVICE
Last Updated: [2/3/2026]
1. ACCEPTANCE OF TERMS
Welcome to Rockmount Lending, LLC ("Rockmount," "we," "us," or "our"). By accessing or using our website, services, or submitting any loan application, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
2. ABOUT ROCKMOUNT LENDING
Rockmount Lending, LLC is a mortgage lending company specializing in real estate investor financing. We operate in partnership with licensed lenders and servicers. Our services include connecting qualified borrowers with lending programs for investment properties.
Company Information:
Legal Name: Rockmount Lending, LLC
Licensed in all 50 states
3. ELIGIBILITY
To use our services, you must:
Be at least 18 years of age
Have the legal capacity to enter into binding contracts
Provide accurate and complete information
Not be prohibited from receiving services under applicable law
4. SERVICES PROVIDED
Rockmount Lending provides:
Pre-qualification assessments for investment property loans
DSCR (Debt Service Coverage Ratio) loan programs
Consultation services for real estate investors
Connection to licensed lending partners
Educational resources and tools
Not Financial Advice: Information provided on our website is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with appropriate professionals before making any financial decisions.
5. LOAN APPLICATION PROCESS
5.1 Pre-Qualification
Pre-qualification is not a guarantee of loan approval
Pre-qualification is based on information you provide
Final loan approval is subject to full underwriting review
Loan terms, rates, and programs are subject to change
5.2 Application Submission
By submitting a loan application, you:
Authorize us to verify the information provided
Consent to credit checks and background verification
Understand that submission does not guarantee approval
Agree to provide additional documentation as requested
5.3 No Commitment to Lend
These Terms do not constitute a commitment to extend credit. All loan applications are subject to underwriting approval, property qualification, and program guidelines.
6. USER OBLIGATIONS
You agree to:
Provide accurate, current, and complete information
Update information promptly if it changes
Not misrepresent your financial situation or property details
Not use our services for fraudulent or illegal purposes
Maintain the confidentiality of your account credentials
Not interfere with or disrupt our services
False Information: Providing false or misleading information may result in denial of services, termination of your application, and potential legal consequences.
7. FEES AND COSTS
7.1 Application Fees
We may charge application fees, processing fees, or other costs associated with loan origination. All fees will be disclosed to you before you proceed with a loan application.
7.2 Third-Party Fees
You may be responsible for third-party fees including but not limited to:
Appraisal fees
Credit report fees
Title and escrow fees
Recording fees
Inspection fees
7.3 No Refunds
Application fees and certain other fees are generally non-refundable once services have been rendered.
8. INTEREST RATES AND LOAN TERMS
8.1 Rate Variability
Interest rates, loan terms, and program features are subject to change without notice based on:
Market conditions
Investor guidelines
Your individual qualifications
Property characteristics
8.2 Rate Locks
Rate lock policies, if applicable, will be disclosed separately and are subject to specific terms and conditions.
8.3 Annual Percentage Rate (APR)
APR includes interest rate plus certain fees and costs. Your actual APR will be disclosed in your loan documents.
9. PROPERTY REQUIREMENTS
Loans are subject to property qualification including:
Property type restrictions
Location requirements
Condition standards
Occupancy requirements
Value determinations through appraisal
We reserve the right to decline financing for any property that does not meet program guidelines.
10. PRIVACY AND DATA USE
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
10.1 Information Collection
We collect information you provide, information from third parties (credit bureaus, appraisers), and information from your use of our website.
10.2 Consent to Contact
By providing your contact information, you consent to receive communications from us via phone, email, SMS, or other means regarding your application and our services.
10.3 Credit Authorization
By submitting an application, you authorize us and our lending partners to obtain your credit report and verify information with credit bureaus and other third parties.
11. INTELLECTUAL PROPERTY
11.1 Ownership
All content on our website, including text, graphics, logos, images, software, and design, is the property of Rockmount Lending or our licensors and is protected by copyright, trademark, and other intellectual property laws.
11.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:
Reproduce, distribute, or display our content without permission
Modify or create derivative works
Use our trademarks without authorization
Scrape, data mine, or use automated tools to access our site
12. PROHIBITED USES
You may not use our services to:
Violate any local, state, federal, or international law
Infringe on intellectual property rights
Transmit harmful code, viruses, or malware
Harass, abuse, or harm others
Impersonate another person or entity
Engage in fraudulent activity
Attempt to gain unauthorized access to our systems
13. THIRD-PARTY LINKS AND SERVICES
Our website may contain links to third-party websites or services. We are not responsible for:
The content or practices of third-party sites
Products or services offered by third parties
Your interactions with third-party providers
Your use of third-party services is at your own risk and subject to their terms and conditions.
14. DISCLAIMERS
14.1 "AS IS" Basis
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
14.2 No Guarantee
We do not guarantee:
Loan approval or specific loan terms
Uninterrupted or error-free service
Accuracy or completeness of information
Results or outcomes from using our services
14.3 Market Conditions
Real estate and lending markets are subject to change. Past performance or advertised rates do not guarantee future results.
15. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROCKMOUNT LENDING SHALL NOT BE LIABLE FOR:
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOSS OF PROFITS, REVENUE, DATA, OR USE
DAMAGES RESULTING FROM DELAYS, ERRORS, OR OMISSIONS
DAMAGES CAUSED BY THIRD PARTIES OR EVENTS BEYOND OUR CONTROL
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.
16. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Rockmount Lending, its officers, directors, employees, agents, and partners from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:
Your use of our services
Your violation of these Terms
Your violation of any rights of another party
Your provision of false or misleading information
17. DISPUTE RESOLUTION
17.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions.
17.2 Arbitration Agreement
PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.
Arbitration Rules: Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
Class Action Waiver: YOU AND ROCKMOUNT LENDING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Opt-Out: You may opt out of this arbitration agreement by sending written notice within 30 days of first accepting these Terms to: [Address]
17.3 Exceptions to Arbitration
Either party may seek injunctive or equitable relief in court to protect intellectual property rights or confidential information.
18. REGULATORY COMPLIANCE
18.1 Equal Credit Opportunity
Rockmount Lending complies with federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of your income derives from any public assistance program.
18.2 Truth in Lending
We provide Truth in Lending Act (TILA) disclosures as required by law, including Loan Estimates and Closing Disclosures.
18.3 Licensing
Rockmount Lending and our lending partners maintain all required state and federal licenses. Licensing information is available at [NMLS Consumer Access website].
18.4 Anti-Money Laundering
We comply with the Bank Secrecy Act and USA PATRIOT Act and may request documentation to verify your identity.
19. TERMINATION
19.1 By You
You may stop using our services at any time. If you have an active loan application, please contact us to discuss withdrawal.
19.2 By Us
We may terminate or suspend your access to our services at any time, with or without cause, including if you:
Violate these Terms
Provide false information
Engage in fraudulent activity
Fail to respond to our requests for information
19.3 Effect of Termination
Upon termination:
Your right to use our services ceases immediately
Provisions that by their nature should survive termination will survive
You remain liable for any obligations incurred prior to termination
20. MODIFICATIONS TO TERMS
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified Terms.
Material Changes: For material changes, we will provide notice via email or prominent notice on our website at least 30 days before the effective date.
Your Rights: If you do not agree to modified Terms, you should discontinue use of our services.
21. GENERAL PROVISIONS
21.1 Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or agreements, constitute the entire agreement between you and Rockmount Lending.
21.2 Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
21.3 Waiver
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
21.4 Assignment
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
21.5 No Agency
Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Rockmount Lending.
21.6 Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control.
21.7 Notices
Notices to you may be made via email, regular mail, or postings on our website. Notices to us should be sent to:
Rockmount Lending, LLC [Your Address] Email: [email protected]
21.8 Headings
Section headings are for convenience only and do not affect interpretation of these Terms.
22. STATE-SPECIFIC PROVISIONS
California Residents: Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
New York Residents: New York law governs the interpretation of these Terms and applies to claims for breach of them, regardless of conflict of law principles.
23. CONTACT INFORMATION
If you have questions about these Terms, please contact us:
Rockmount Lending, LLC
Email: [email protected]
Phone: (651) 661-1655
Address: 30 N Gould St Ste R, Sheridan, WY 82801 US
24. ACKNOWLEDGMENT
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.
Equal Housing Lender