User Terms & Conditions – Privacy Policy

marylanddownpaymentassistance.com and affiliated sites were designed to educate the consumer and help create better borrowers. This policy will explain how you, the “home buyer” interacts with this informational web site.

Terms and Conditions

We strive to keep all the information on Firsttimehomebuyer.com up-to-date and accurate, it may not always be possible. So please use your best judgement regarding information provided.

Please be sure you understand this section:

This website intended for users 18 years or older. This website does not endorse nor make any guarantees or endorsements of any lender, broker, or agents with whom you may enter into a contractual agreement, regardless of the information you submit via this web site or through any contact you may have with marylanddownpaymentassistance.com and its affiliated sites. We make no guarantee, explicit or implied that the posted information is accurate. Any dealings that you may have with a lender, broker or agent listed or who contacted you due to the information you submitted via this site or linked sites is solely your responsibility and the responsibility of that specific lender, broker or agent. We expressly disclaim any liability or responsibility for the success or failure of any transaction you have with any subsequent party. You must make the final determination as to the value and appropriateness of the transaction.

You must be 18 years or older to submit a request. If you submit a request to find a lender, broker or agent or submit a request for a quote, there is no cost or obligation but firsttimehomebuyer.com does not in any manner issue credit or loans. For home finance quote requests, we forward that information to First Home Mortgage, independent of marylanddownpaymentassistance.com and affiliated sites. When you submit a request to this site and we forward that request to the unaffiliated loan officer, you become a customer of First Home Mortgage and not of Us. The loan officer who contacts you will assume responsibility to follow-up on your request. Any transaction facilitated through outside parties will be governed by that entities’ separate terms of use. Marylanddownpaymentassistance.com expressly disclaims any liability or responsibility for the success of your transaction.

Once you submit on this site:

You will be contacted regarding your request. This maybe done via email, phone and/or text message. Once you submit a request on this site, you agree to be contacted at the phone number you provided. We will do our best to connect you with someone who will assist you, but it may not be possible in all circumstances.

Do Not Call Policy:

 If you don’t want to receive sales calls from Firsttimehomebuyer.com, you can ask us to place your telephone number on our “Do Not Call” list. In compliance with federal and state laws, we’ll document your request immediately. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

– Your request can be in writing or by phone, and must include, at a minimum, your telephone number.

– If you have multiple telephone numbers, tell us all numbers that you want to be included.

– You’ll remain on our “Do Not Call” list for five years, unless you ask to be removed.

– If your telephone number ever changes, you must give us your new information for your “do not call” status to remain in effect.

– To opt out – complete this form.

Marylanddownpaymentassistance.com is not affiliated with the VA, FHA or any other Government agency and is not a lender or mortgage broker. Marylanddownpaymentassistance.com does not offer mortgages or loans and does not offer mortgages or loans directly or indirectly through any of its representatives or agents.

Disclaimer and Limitation of Liability: The Site and the information and materials contained herein are provided “as is.” We make no representations or warranties of any kind regarding this Site or its operation, contents or information available on this Site. We expressly disclaim all warranties, express or implied, of any kind, with respect to the Site. IN NO EVENT SHALL THIS SITE, ITS AFFILIATES, INCLUDING, OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING FROM THE OPERATION, CONTENT OR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the disclaimer, exclusion or limitation of incidental or consequential damages, so the foregoing disclaimer, exclusion and limitation may not apply to you, and you may have other legal rights that vary according to jurisdiction. In no event will damages provided by law (if any) apply unless they are required to apply by statute, notwithstanding their exclusion by contract.

WE MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT OR THE SERVICES OR PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACKDOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODES OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. The content of the Site (the “Content”) is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and advice from your accountant and other financial advisers who are fully aware of your individual circumstances. Applicable Law and Venue: The site (excluding linked sites) is operated in the state of Maryland. The Site can be accessed from all 50 states and the District of Columbia, as well as from other countries around the world for educational purposes. As each of these places has laws that may differ from those of Maryland, by accessing this Site, you agree that the statutes and laws of the State of Maryland, without regard to conflicts of laws and principles thereof, will apply to all matters arising from or relating to use of this Site. You also agree and hereby submit to the exclusive personal jurisdiction and venue of the federal district and state courts of Maryland with respect to such matters. We make no representation that materials on the Site are appropriate or available for use in other locations and accessing them from territories where their contents are illegal is prohibited. Those who choose to use or access this Site from other locations do so on their own initiative and are responsible for compliance with local laws. This site is just a tool and is mostly comprised of opinions. Always consult a professional when getting a loan and use your own best judgement when making financial decisions.

The policy and terms were last updated on 6/1/2023