Terms of Service

Effective : June 30, 2026 · Last updated : June 30, 2026

These Terms of Service ("Terms") govern your use of justinbermingham.com (the "Site"). By using the Site, submitting a form, or otherwise interacting with the content here, you agree to these Terms. If you do not agree, please do not use the Site.

1. Informational purpose only

The content on this Site, including rate information, market commentary, blog posts, and loan-product descriptions, is provided for general informational purposes. It is not a commitment to lend, an offer to extend credit, an approval, or financial, legal, or tax advice. Rates, terms, and program availability change frequently and are subject to credit approval, property qualification, and underwriting.

2. No guarantee of rates or results

Any rates, payment figures, or scenarios shown are estimates for illustration only. Your actual rate and terms depend on your credit profile, the property, loan amount, occupancy, market conditions at lock, and other factors. Nothing on this Site guarantees a specific rate, approval, closing timeline, or outcome.

3. Contacting me

When you submit a form that includes your phone number, you consent to be contacted as described in our Privacy Policy and SMS Consent disclosure. Consent to receive marketing messages is not a condition of any loan or service. You can opt out of texts at any time by replying STOP.

4. Acceptable use

When using this Site, you agree not to :

• Submit false, misleading, or fraudulent information
• Use the Site for any unlawful purpose or in violation of any applicable lending, advertising, or privacy law
• Attempt to gain unauthorized access to the Site, its systems, or its data
• Scrape, copy, or republish Site content without written permission
• Introduce malware or interfere with the Site's normal operation

5. Intellectual property

The text, design, graphics, and logos on this Site are owned by Justin Bermingham or used under license, and are protected by copyright and trademark law. You may view and share links to the Site for personal, non-commercial use. You may not reproduce, distribute, or create derivative works from Site content without prior written permission.

6. Third-party links

The Site may link to third-party websites or services (for example, application portals, calculators, or partner pages). I do not control and am not responsible for the content, accuracy, or privacy practices of third-party sites. Visiting them is at your own risk and subject to their terms.

7. Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. I do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that information shown is current or accurate at any given moment.

8. Limitation of liability

To the fullest extent permitted by law, Justin Bermingham and E Mortgage Capital, Inc. are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content. Nothing in these Terms limits liability that cannot be limited under applicable law.

9. Indemnification

You agree to indemnify and hold harmless Justin Bermingham and E Mortgage Capital, Inc. from any claims, losses, or expenses arising out of your misuse of the Site or your violation of these Terms or any applicable law.

10. Governing law

These Terms are governed by the laws of the State of Oregon, without regard to its conflict-of-laws rules. Any dispute relating to the Site will be brought in the state or federal courts located in Oregon, and you consent to that jurisdiction.

11. Changes to these Terms

I may update these Terms from time to time. The "Last updated" date above reflects the most recent change. Your continued use of the Site after a change means you accept the updated Terms.

12. Contact

This page covers use of the website only and is not a substitute for the loan-specific disclosures and agreements you receive during an application. Equal Housing Opportunity. NMLS Consumer Access : nmlsconsumeraccess.org.