TERMS OF SERVICE

1. AGREEMENT TO TERMS

These Terms of Service (“Terms”) are a legally binding agreement between you and United Direct Lending, operating the Elite Partner Program under the name “UDL Elite Partners.”

UDL Elite Partners is not a separate company—it is a program managed by United Direct Lending, a licensed mortgage lender.

By using our website or submitting your information through this site, you agree to these Terms. If you do not agree, please discontinue use.

Your use of this website is also governed by our:

• Privacy Policy
• Loan-specific disclosures

We may update these Terms from time to time. Material changes will be communicated via website notice or email. Continued use means you accept the revised Terms.

2. ELIGIBILITY

To use this site or apply through the Elite Partner Program, you must:

• Be 18 years or older
• Be a U.S. resident
• Reside in a state where United Direct Lending is licensed to operate: FL, TX, CA, NJ, VA, CO

NMLS # 1749719
Verify license at www.nmlsconsumeraccess.org.

The program is subject to loan qualification and standard underwriting guidelines.

3. DESCRIPTION OF SERVICES

The Elite Partner Program helps qualified homebuyers receive up to **2% lender credit (up to $15,000)** applied toward closing costs when they finance their home through United Direct Lending.

We provide:

• Home loan pre-qualification and pre-approval
• Conventional, FHA, VA, USDA, Jumbo, and refinance options
• Loan processing and underwriting
• Closing coordination
• Lender credit administration through the Elite Partner Program

We do not provide:

• Legal, tax, or investment advice
• Real estate agent or escrow services
• Appraisals or home inspections

4. PROGRAM TERMS – LENDER CREDIT

• Eligible borrowers may receive up to **2% of the final loan amount** as a lender credit.
• The lender credit is shown on the Closing Disclosure and applied to reduce closing costs.
• The actual amount depends on loan size, type, and qualification.
• Borrowers must meet credit, income, and property requirements.
• The program is available only in approved states (FL, TX, CA, NJ, VA, CO).

The credit is contingent upon successful closing and funding.

If the loan does not close, the incentive does not apply.

Tax implications may vary. Consult a tax professional for guidance.

5. NO GUARANTEES

Approval, loan amount, rate, or cash-back credit are **not guaranteed**.

• All applications are subject to underwriting and final approval.
• Rate quotes and eligibility estimates are subject to change.

6. YOUR RESPONSIBILITIES

You agree to:

• Provide accurate and complete information during the application process.
• Promptly submit requested documentation (e.g., ID, pay stubs, bank statements).
• Avoid significant financial changes (new debt, job changes) before loan closing.
• Review all loan documents carefully before signing.

Providing false information is a federal offense and may result in penalties or denial.

7. INTELLECTUAL PROPERTY

All website content, graphics, videos, and trademarks (including “UDL Elite Partners” and “Elite Partner Program”) are owned by **United Direct Lending**.

You may not copy, distribute, or modify materials without written consent.

8. PROHIBITED USES

You agree not to:

• Engage in fraudulent activity or submit false information
• Attempt unauthorized access to our systems
• Upload harmful code or interfere with site functionality
• Harass or abuse employees or representatives

Violation may result in account termination or legal action.

9. FEES & DISCLOSURES

Access to the website is free.

Standard loan-related fees (application, credit report, appraisal, title, escrow) apply and will be fully disclosed in:

• The Loan Estimate (within 3 days of application)
• The Closing Disclosure (3 days before closing)

The Elite Partner Program lender credit reduces borrower costs—it is not a fee.

10. EQUAL HOUSING OPPORTUNITY

United Direct Lending is an **Equal Housing Lender**.

We do not discriminate based on race, color, religion, national origin, sex, gender identity, sexual orientation, familial status, age, disability, or source of income.

To file a complaint:

• HUD: 1-800-669-9777 | www.hud.gov/fairhousing
• CFPB: 1-855-411-2372 | www.consumerfinance.gov/complaint

11. PRIVACY

Your information is handled in accordance with our Privacy Policy, which explains how data is collected, used, and protected.

We comply with GLBA and other applicable privacy regulations and **do not sell your personal information**.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by law, United Direct Lending is **not liable** for:

• Indirect or consequential damages
• Loss of data or profits
• Delays or loan denial due to market or third-party factors

Our total liability shall not exceed $100 or the total fees paid to us within the past 12 months.

13. DISPUTE RESOLUTION

Most issues can be resolved informally. Please email [email protected] before pursuing formal action.

If not resolved, disputes will be handled by **binding arbitration** under the AAA Consumer Arbitration Rules in FL.

Class actions are not permitted. You may **opt out of arbitration** within 30 days by writing to:

United Direct Lending — Attn: Arbitration Opt-Out, 5550 Glades Rd Suite 500 Boca Raton, FL 33431

14. GOVERNING LAW

These Terms are governed by the laws of FL, without regard to conflict-of-law principles.

15. CONTACT INFORMATION

General Inquiries:

[email protected]

Compliance & Privacy:

[email protected]

Mailing Address:

United Direct Lending
Attn: Compliance Department
5550 Glades Rd Suite 500
Boca Raton, FL 33431

16. LICENSING

United Direct Lending
NMLS # 1749719
Licensed in FL, TX, CA, NJ, VA, CO
Verify at www.nmlsconsumeraccess.org

Equal Housing Lender | Equal Housing Opportunity

END OF TERMS OF SERVICE