BrickWood Mortgage, Inc. is a privately-owned company Located at: 1601 Glenns Bay Rd, Surfside Beach SC 29575 and is an Equal Housing Opportunity Lender.
Mortgage Broker License: NMLS Unique Identifier #189497, South Carolina Dept of Consumer Affairs #MB-0809200, CA DBO License: 60DBO44719
Advertised rate assumes: 30 or 15-year (as stated) fixed-rate, 1st lien, purchase money mortgage on an owner-occupied, single-family residence; loan amount of $200,000.00; loan-to-value ratio of 80.00% Conventional, 96.5% FHA or 100% VA; credit score of 740; DTI of less then 43%; and monthly escrowing of taxes & insurance. For example, as of 05/20/2019, a Conventional 30 Yr Fixed, $200,000.00 loan amount financed at 4.00% (4.120% APR), with 0.445 point(s) and 20.00% down payment, would result in 360 monthly principal and interest payments of $954.83.
Advertised Rates are based on middle credit score of 740 with no disqualifying factors, qualifying income and meeting all applicable underwriting guidelines. Please contact BrickWood Mortgage for a personalized rate quote and to prequalify. All applicants must receive final underwriting approval to be eligible for financing.
This website is owned and operated by BrickWood Mortgage, Inc. 1601 Glenns Bay Rd Surfside Beach SC 29575, which is referred to below as “BrickWood” or “we” or “us” or “Company” or “our.”
ACCEPTANCE OF TERMS
YOU AGREE THAT:
- you will only access or use this website and transact business with us if you are at least 18 years old,
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with BrickWood as a bona fide client of BrickWood; you may not use or attempt to use this website or any part of this site for any purpose:
- that interferes with or induces a breach of the contractual relationships between BrickWood and its employees,
- that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
- that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications,
- that transmits any harmful or disabling computer codes or viruses,
- that harvests e-mail addresses from this site,
- that transmits unsolicited e-mail to this site or to anyone whose e-mail address is included the domain name on this website,
- that interferes with our network services,
- that suggests an express or implied affiliation with BrickWood or broker relationship with BrickWood (without the express written permission of BrickWood),
- that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
- that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with BrickWood as a bona fide client of BrickWood.
BrickWood is licensed as set forth in the Licenses section, which is incorporated into this Agreement by reference.
ACCESS TO THIS WEBSITE
BrickWood reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.
USE OF THIS WEBSITE
You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.
WEB PAGE CONTENT
You acknowledge and agree that:
- all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
- all rights associated with the Web Page Content are owned by BrickWood, its licensors, or content providers.
Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content. You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:
- in or as any meta-tag or hidden text;
- in or as part of any contextual marketing directory, index, or triggering term;
- as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
- as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.
MORTGAGE LOAN SERVICES
BrickWood offers loan origination services to borrowers and is generally compensated for such services by the borrower. You should rely on your own judgment in deciding which available loan product and terms best suits your needs and financial means. You understand that BrickWood may keep your loan request information and any other information provided by you in the processing of your loan request, whether or not you are qualified for a loan or if you make a loan with BrickWood. You agree to notify BrickWood directly if you no longer want to receive communications.
The Websites and the services provided by BrickWood are available in connection with mortgage loans made on real property located in the State of South Carolina. Loans may only be made to residents of, or secured by real property located in, South Carolina where BrickWood is licensed or authorized to make such loans. BrickWood expressly reserves the right to discontinue, suspend or terminate the offering of any loan product through the Website at any time, without prior notice.
BrickWood does not guarantee acceptance into any particular loan program or specific loan terms or conditions; loan approval standards are established and maintained solely by the secondary market investors to whom BrickWood transfers its loans. Likewise, but subject to any promotional low price guarantee that may be offered by BrickWood from time to time, BrickWood does not guarantee that the loan terms or rates offered are the best terms or lowest rates available in the market. A loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan offer, loan commitment or interest rate lock-in agreement. BrickWood may not offer all products and may not offer products in all states. To help the government fight identity theft, the funding of terrorism and money laundering activities, BrickWood will obtain, verify and record information that identifies each person and BrickWood may ask for your name, Social Security Number, address, date of birth and other important information that will allow us to properly identify you. During the application process, BrickWood may also ask to see your driver’s license or other identifying documentation.
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a loan product through BrickWood. By this submission, you are extending an express invitation to BrickWood to contact you by telephone at the number(s) you have provided so we 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 (or similar) list, or by email at the email address you provided or at another address that may be associated with you and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. By saving your information with BrickWood or by completing a submission, you give BrickWood permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete applications, deadlines, quality of services or other matters in connection with your submission. For any service, you represent that all of the information you have provided in your submission and application is true and complete. You also authorize BrickWood, along with any additional secondary market investors necessary to complete your loan transaction, to request from one or multiple credit bureaus / reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history.
All loans are originated by BrickWood, and closed in the name of the wholesale mortgage bank or investor. As in the case of most Mortgage Companies, BrickWood requires all clients pay upfront for their credit report and appraisal.
BrickWood, its secondary market investors and providers may choose to electronically deliver all information related to its services and your requests. BrickWood, its secondary market investors and providers electronic communications to you may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, other terms, conditions and documents, and the privacy policies of BrickWood, its secondary market investors and providers. You agree to receive all current and future notices, disclosures, communications and information, and to do business electronically with BrickWood, its secondary market investors and providers. This means that BrickWood, its secondary market investors may communicate with you by sending a message to the email address you provided or at another address that may be associated with you that we receive from its secondary market investors and providers or other parties. You agree that you meet the below technical requirements and are able to access and retain copies of notices and information sent or made available electronically.
To access and retain information and notices we send or make available to you electronically, you will need:
- Internet access with 128-bit encryption
- Adobe Acrobat Reader 6 or higher
- Ability to Print Internet Explorer 6 or higher
- Netscape 8.04 and above (Use in IE mode)
- Email Access or Firefox version 1.5
Not Responsible for Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, BrickWood does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that BrickWood will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links: BrickWood does not permit third-party advertising on this website. Except with the written permission of BrickWood, you agree that you will not create links from any website or Web page to this website or any Web page within this website.
REVISIONS AND MODIFICATIONS
You understand and acknowledge that BrickWood controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in South Carolina only. We make no representation that the services or products about which information may be provided on this website will be available anywhere outside of South Carolina. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.
PRIVACY AND SECURITY
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, BRICKWOOD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. BRICKWOOD MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. BRICKWOOD HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.
YOU ACKNOWLEDGE AND AGREE THAT BRICKWOOD IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, BRICKWOOD EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BRICKWOOD MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT BRICKWOOD, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.
LIMITATION OF LIABILITY
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL BRICKWOOD BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT BRICKWOOD SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL BRICKWOOD’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions: When communicating with us through this website, PC-talk, chat or via e-mail, do not use the website, PC-talk, chat or e-mail to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, PC-talk, chat or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us.
Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by BrickWood in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with their terms except as specifically provided for in writing by BrickWood.
E-Signature: General communications through this website, PC-talk, chat or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.
Recording & Monitoring of Communications: Your communications with us via the website, PC-talk, chat e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
CONTACT METHODS AND OPT-OUT
Permission to Be Contacted: By submitting information to BrickWood through this website or otherwise, you are making an inquiry as to lending programs and services offered by BrickWood and give BrickWood permission to contact you through e-mail, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list.
Permission to Share Your Information: When you “submit” information through the BrickWood’s website or otherwise, BrickWood may send your information to its affiliates.
APPLICATION OF ADDITIONAL TERMS
AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which BrickWood may rely.
YOUR COOPERATION NEEDED
BrickWood generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information BrickWood may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify BrickWood of any changes in any information submitted in connection with your application.
While BrickWood will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some processes are not under our control. For instance, BrickWood cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; or any other matters beyond BrickWood ‘s reasonable control.
DEPOSIT / REFUND POLICY
When you submit a loan application, BrickWood will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of BrickWood third party costs
Any claim or controversy arising out of or relating to the use of the Websites, to the goods or services provided by BrickWood, or to any acts or omissions for which you may contend BrickWood is liable, including but not limited to any claim or controversy as to arbitrarily (“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 Horry County, South Carolina. 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 BrickWood. In any arbitration, BrickWood 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, provided. To begin the arbitration process, a party must make a written demand therefore.
Any judgment upon the award rendered by the arbitrators may be entered in any court of competent jurisdiction in Horry County, SC. 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 thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or 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. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.
THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND BRICKWOOD 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, and 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 BrickWood’s goods, facilities and services, you consent to 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 BrickWood, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Horry County, SC. 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.
For our affiliates everyday business
Brickwood Mortgage Inc: (NMLS ID: 189497)
WHAT DOES BRICKWOOD MORTGAGE, INC. DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- account balances and payment history
- credit history and credit scores
- When you are no longer our customer, we continue to share your information as described in this notice
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Brickwood Mortgage, Inc. chooses to share; and whether you can limit this sharing.
|Reasons we can Share your Personal Information||Does Brickwood Mortgage, Inc. share?||Can you limit this sharing?|
|For our everyday business purposes- Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our Marketing purposes- To offer other products / services to you||No||We Don’t Share|
|For joint marketing with other financial Companies||No||We Don’t Share|
|For our affiliates’ everyday business purposes- information about your transactions and experiences||No||We Don’t Share|
|For our affiliates’ everyday business purposes- information about your credit worthiness||No||We Don’t Share|
|For nonaffiliates to market you||No||We Don’t Share|
How does Brickwood Mortgage, Inc. protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Brickwood Mortgage, Inc. collect my personal information?
We collect your personal information, for example, when you
- apply for a loan or give us your income information
- give us your employment history or give us your contact information
- show your drive’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes – information about your credit worthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. Brickwood Mortgage, Inc. has no affiliates
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. Brickwood Mortgage, Inc. does not share with nonaffiliates so they can market to you
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Brickwood Mortgage, Inc. doesn’t jointly market
Other Important Information
To opt out of future correspondences with Brickwood Mortgage, Inc. email- [email protected] with unsubscribe in the subject line, and include customer’s first and last name in the email.