Terms of Service

1. Acceptance of Terms

By accessing or using the website of United Mortgage Plus, a dba of The Rate Factory LLC (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree, please do not use our website or services.

2. Services Description

United Mortgage Plus is a licensed mortgage brokerage operating as a dba of The Rate Factory LLC. We act as an intermediary between borrowers and mortgage lenders. We do not fund mortgage loans directly. Our compensation is paid by lenders, not borrowers, and this compensation may result in slightly higher interest rates compared to direct lender pricing.

3. Not Financial or Legal Advice

Content on this website is provided for general informational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, programs, and eligibility requirements are subject to change without notice. Always consult with a qualified professional before making financial decisions.

4. Loan Application and Pre-Approval

Submitting an inquiry or pre-approval application does not constitute a commitment to lend. All loans are subject to underwriting approval, satisfactory appraisal, title review, and lender conditions. Pre-approval is not a guarantee of final loan approval. Rates and terms quoted are subject to change.

5. Accurate Information

You agree to provide accurate, complete, and truthful information in connection with any application or inquiry. Providing false information on a mortgage application is a federal crime. We reserve the right to decline services based on inaccurate information.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of United Mortgage Plus or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Limitation of Liability

To the maximum extent permitted by law, United Mortgage Plus and The Rate Factory LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the fees paid by you to us, if any.

8. Licensing Information

9. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Maryland.

10. Contact

For questions about these Terms, please contact: