Last Updated: May 1, 2025

Welcome to the Havencrest Mortgage website (the "Site"). These Terms of Service (“Terms”) govern your access to and use of the Site operated by Havencrest Mortgage Inc. (“Havencrest”, “we”, “our”, or “us”). By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use the Site.

---

1. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not use the Site:

- In any way that violates any applicable federal, state, or local law or regulation;

- To transmit any unsolicited or unauthorized advertising or promotional materials;

- To impersonate or attempt to impersonate Havencrest or any of our employees, affiliates, or representatives;

- To engage in any conduct that restricts or inhibits anyone’s use of the Site or which could damage the Site or our services.

---

2. Not a Commitment to Lend

The information provided on this Site is for general informational purposes only and does not constitute an offer to lend, a mortgage pre-approval, or a commitment to provide any specific product or service. Loan approval is subject to underwriting guidelines, credit approval, and availability.

---

3. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Havencrest or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Site without our express written permission.

---

4. Third-Party Links

Our Site may contain links to third-party websites or services that are not owned or controlled by Havencrest. We do not endorse or assume any responsibility for the content, privacy policies, or practices of any third-party websites.

---

5. Disclaimer of Warranties

The Site is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee that the Site will be uninterrupted, secure, or error-free.

---

6. Limitation of Liability

To the fullest extent permitted by law, Havencrest and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site.

---

7. Changes to the Terms

We may revise these Terms from time to time without notice. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. We encourage you to review these Terms regularly.

---

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles.

---

9. State-Specific Consumer Disclosures

Washington State Disclosure

Havencrest Mortgage Inc. is licensed as a mortgage broker by the Washington State Department of Financial Institutions (DFI), Consumer Services Division.

License Number: 2705066

Washington residents may contact the DFI for consumer complaints or questions at:

📞 (360) 902-8700

🌐 https://dfi.wa.gov

Oregon Consumer Disclosure

Havencrest Mortgage Inc. is licensed as a mortgage broker with the Oregon Division of Financial Regulation.

License Number: 2705066

Oregon residents with questions or complaints may contact:

📞 888-877-4894

🌐 https://dfr.oregon.gov

California Consumer Disclosure

Havencrest Mortgage Inc. is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Finance Lenders Law.

License Number: 2705066

California residents may file complaints with the DFPI at:

📞 (866) 275-2677

🌐 https://dfpi.ca.gov

---

10. Contact Us

If you have any questions about these Terms or our licensing, please contact us at:

📧 info@havencrest.mortgage

📍 Havencrest Mortgage, 800 Bellevue Way NE, Unit 500, Bellevue, WA 98004