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The Rate House aims to keep homeownership accessible and affordable for all deserving families.

NMLS 1611117

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Thank you for visiting us. Rate House Mortgage Company provides the use of this website subject to the following terms and conditions, known as “Terms of Use.” Clicking onto webpages beyond the site’s homepage indicates your acceptance and agreement of these Terms of Use. You should read them carefully.

Electronic Communications
When you visit TheRateHouse.com or send emails to us, you are communicating with Rate House electronically and you consent to receive communications from Rate House Mortgage electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Trademarks
RATE HOUSE MORTGAGE Company, Inc.’s trademarks and trade dress may only be used with the express written consent of RATE HOUSE MORTGAGE Company, INC. and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits RATE HOUSE MORTGAGE Company, INC. All other trademarks not owned by RATE HOUSE MORTGAGE Company, INC. or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by RATE HOUSE MORTGAGE Company, INC. or its subsidiaries.

License and site access
Rate House Mortgage Company is granting you a limited license to access and make personal use of this site and not to download (other than page caching) or to modify any portion of it, except with express written consent of Rate House Mortgage Company. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose with. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of Rate House Mortgage without express written consent. You may not use any meta tags or any other “hidden text” utilizing Rate House Mortgage Company’s name or trademarks without the express written consent of Rate House Mortgage Company. Any unauthorized use shall automatically terminate any permission or license granted herein. You may not use any Rate House Mortgage Company logo or other proprietary graphic or trademark as part of the link without express written permission.

Your membership account
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. Rate House Mortgage Company reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact the following:

Rate House Mortgage Company, Inc.

1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Rate House Mortgage Company may deny access to any user for any reason and in Rate House Mortgage Company’s sole discretion.

Reviews, comments, emails and other content
Visitors may post reviews, comments and other content, and submit suggestions, ideas, comments, questions or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false email address, impersonate any person or entity or otherwise mislead as to the origin of a post, comment or other content. Rate House Mortgage Company reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise in writing, you grant Rate House Mortgage Company a nonexclusive, royalty-free, perpetual, irrevocable and fully sub licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content throughout the world in any media. You grant Rate House Mortgage Company and sublicenses the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Rate House Mortgage Company, it’s officers, employees, agents and successors and assigns for any and all claims resulting from content you supply. Rate House Mortgage Company has the right but not the obligation to monitor and edit or remove any activity or content. Rate House Mortgage Company takes no responsibility and assumes no liability for any content posted by you or any third party.

Product and service descriptions
Rate House Mortgage Company attempts to be as accurate as possible. However, the information contained in this website is for general information purposes only and Rate House Mortgage Company does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.

Website Ownership
This website is owned and operated by Rate House Mortgage Company, 1316 Bound Brook Road, Suite 1B, Middlesex, NJ 08846.

Revisions
Rate House Mortgage Company’s Terms and Conditions were last revised 11/01/2017. Please check for future revisions.

Processing<
We make no guarantees in terms of processing time for any particular loan, application or other information or service. Though we will make every effort to ensure that information is processed as quickly as possible, in order to ensure that information is processed correctly and in light of the fact that there may be circumstances beyond our control which prevents the timely processing of information, applications, etc., the user agrees to indemnify and hold harmless Rate House Mortgage Company for any delays in processing information submitted and processed through the website, and/or other damages allegedly related to submission of information to and/or through the website.

Intellectual Property
he information and content available on the Website including but not limited to trademarks, logos, and service marks, text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and organization thereof (the “Content”) is the property of Rate House Mortgage Company, its partners or licensors, and is protected by United States and international laws, including laws governing copyrights and trademarks.

Except were applicable by law; Neither the content nor any portion of the website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.

You shall have no right to use Rate House Mortgage Company processes or technology for any purpose other than accessing the website and using the services offered. Use of the website does not transfer from Rate House Mortgage Company to you any Rate House Mortgage technology, and all rights, titles and interests in and to any Rate House Mortgage technology and all services shall remain solely with Rate House Mortgage Company. You shall not, directly or indirectly, reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from any of the Rate House Mortgage Company technology if such reverse engineering, DE compilation, or disassembly is intended to create, or will be used in, a competitive product.

Third Party Links
Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other web sites, which are not maintained by Rate House Mortgage Company. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.

Rate House Mortgage Company AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH THIS SITE IS LINKED AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY Rate House Mortgage Company. IT IS THE SOLE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON ANY LINKED SITE. ALL INFORMATION, PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Indemnification
In no event will Rate House Mortgage Company be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if Rate House Mortgage Company is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless Rate House Mortgage Company for any and all damages and losses as described above relating to your use of the website.

Consent to Electronic Delivery
You specifically agree to receive and/or obtain any and all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than via paper documents. This includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you are able to use the website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided via Rate House Mortgage Company as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:

Rate House Mortgage Company, Inc.
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Applicable law
By visiting TheRateHouse.com, you agree that the laws of the State of New Jersey without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Rate House Mortgage Company. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Middlesex County, NJ, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Disputes
Any controversy or claim arising out of or relating to your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Any dispute between the parties must be submitted to binding arbitration administered in New Jersey.

You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity.

Regardless of any statute or law to the contrary, any claim or cause of action against Rate House Mortgage Company arising out of or related to use of your use of the website or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or will be barred.

Entire Agreement
This Agreement constitutes the entire agreement between you and Rate House Mortgage Company governing your use of the website and supersedes any prior and contemporaneous agreements between you and Rate House Mortgage Company with respect to the subject matter above.

General
You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of the website, and supersede and govern all prior proposals, agreements, or other communications;

Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and Rate House Mortgage Company. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.

Electronic Agreement
You have the right to receive loan documents and disclosures in electronic form. Your consent means that your disclosures, loan documents and any other communications (referred to collectively as “Documents”) related to the process of processing, underwriting, and closing your requested loan may be provided to you through the Rate House Mortgage Company website and via email (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent and you may request paper copies of any Documents without charge by contacting us at (877) 967-8534. You should also keep us informed of any change in your e-mail or mailing address by contacting us at (877) 967-8534.

By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through the computer software and hardware.

By continuing, you electronically agree to allow Rate House Mortgage Company to view your credit history.

If you have any questions regarding the Terms and Conditions please contact us at:

Rate House Mortgage Company, Inc.
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846

Disclaimer
The information contained in this website is for general information purposes only. It is believed to be reliable, but Rate House Mortgage Company. does not warrant its completeness, timeliness or accuracy. To the fullest extent permissible under applicable law, Rate House Mortgage Company. disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will Rate House Mortgage Company be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

If you have been referred from another website (including but not limited to any social media site), the information contained in the referring website is for general information purposes only. The information contained there has not been reviewed or approved by Rate House Mortgage Company, Inc. and is provided solely and exclusive by the site’s author. Rate House Mortgage Company, Inc. makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Through the referring website you may be able to link to other websites which are not under the control of Rate House Mortgage Company, Inc. Rate House Mortgage Company, Inc. has no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

You acknowledge and agree that Rate House Mortgage Company, Inc. is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, Rate House Mortgage Company, Inc. expressly disclaims all warranties of any kind, whether express or implied, including, not limited to the implied warrant of merchantability and fitness for a particular purpose.

Privacy Policy

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use both session ID cookies and persistent cookies. We use session ID cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

We use session cookies to tailor your experience on our site. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

The use of cookies by third parties, including but not limited to our partners, affiliates, tracking utility company and service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company and service providers may use session ID cookies.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

WEB BEACONS
Our third party service provider employs a software technology called clear gifs (a.k.a. Web beacons/Web bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

ACCESS TO INFORMATION
In case you change your mind or some information changes we will try to provide a way to correct or update the information that you give us. You may update or delete your information at any time prior to completing your application. Once the application is submitted, you will not be able to change any of the information online. We also give you the opportunity to control the communications we direct to you. If you wish to update information or objects to any usage provided herein for any reason, you may email the requested change to at anything@theratehouse.com. We will respond to your reque st to access within 30 days.

We will retain your information for as long as your account is active or as needed to provide you services. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

HOW WE PROTECT YOUR PERSONAL INFORMATION AND YOUR PRIVACY
We restrict access to nonpublic personal information about you to those employees and agents who we determine need to know that information to provide products or services to you, service your account, or maintain the systems that support your account. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

The security of our users’ information is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our infrastructure. Rate House Mortgage Company uses industry standard efforts to safeguard the confidentiality of your information. We periodically upgrade and test these procedures and safeguards. All data transmitted between internet browsers and our servers are protected against unauthorized interception or access using Secure Sockets Layer (“SSL”) protocols. In order to use our website, users are required to be running an SSL-capable browser. We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the internet.

Online applications are maintained on a secure server. We do not ensure or warrant the security of any information you transmit to us in a non-secure environment, such as within or attached to an email. Email is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential information via unsecured email to Rate House Mortgage Company.

COMPLIANCE WITH STATE AND FEDERAL LAWS
As privacy rights vary by state, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. In addition, state and federal regulations may require us to maintain and report demographic information on the collective activities of consumers and users. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record retention.

SESSION TIME-OUTS
If you are logged into your account on our website and are inactive for a certain period of time, you will be automatically logged out. This is a security measure that reduces the risk of unauthorized access to your account or non-public personal information.

PASSWORDS
Rate House Mortgage Company, Inc. requires the use of passwords that meet minimum length and complexity requirements. Users are also required to change their passwords periodically. To protect against unauthorized access, accounts are locked after a number of unsuccessful login attempts.

What you can do to protect yourself. While we take the security of your non-public personal information seriously and have taken steps to protect it, there are also a number of precautions that you can take to protect yourself:

If using your personal computer, ensure that your operating system and antivirus software are up to date with the latest versions.
Create strong, unique passwords for each online service that you use and change these passwords often.
When you finish using our website from a public computer, log out and clear the browser’s cache file.
Stay vigilant for scams like “phishing”. Never provide your login information in response to any email, physical mail or phone call that claims to be from Rate House Mortgage Company. Instead, please visit our website and be sure that the URL starts with; https://theratehouse.com.

DOES RATE HOUSE MORTGAGE COMPANY, INC. SHARE MY PERSONAL INFORMATION WITH THIRD PARTIES?
As a visitor and user of our website, we will not share any of your non-public personal information with anyone outside our company except:

On a “need to know” basis, as necessary under the agreements with our vendors to perform the services as contracted by you
At your direction and with your consent.
To communicate with you about products and services, update you on new services and benefits, or to provide you with personalized promotional offers.
As required or permitted by law.
Rate House Mortgage Company may also disclose account information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Use Policy, or may be causing injury to or interference (either intentionally or unintentionally) with any of Rate House Mortgage Company’s rights or property, other users, or anyone else. Rate House Mortgage Company may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our products and services.
PUBLIC FORUMS
Our site includes links to other websites whose privacy practices may differ from those of Rate House Mortgage Company. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.

LINKS TO OTHER SITES
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at anything@theratehouse.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

CONTEST AND SWEEPSTAKES
We may offer you the option to participate in contests, sweepstakes, or surveys. If you agree to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home financing or award prizes. For information on how your information that you supply will be used, please refer to the rules for each contest or sweepstakes.

NOTIFICATIONS FROM US
If you use our website to apply for a loan or create an account , you will receive email notifications from Rate House Mortgage Company from time to time. These are required notices, and you cannot opt out of receiving them. They are designed primarily to protect your non-public personal information from unauthorized access and to provide you information on the status of your transaction with us. Some notifications may also be necessary when we make changes to various legal agreements or policies, including this privacy policy. If necessary, we may also respond to emails that you send us.

CHANGE OF CONTROL
Your non-public personal information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of RATE HOUSE MORTGAGE Company, INC.

AGREEMENT AND CONTACT
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission you understand that you are agreeing to the stated terms and conditions of that submission and that you are agreeing that you have read, accepted, and agreed to the Terms and Conditions and agree to do business electronically with Rate House Mortgage Company.

CALIFORNIA PRIVACY RIGHTS
California Civil Code § 1798.83 permits visitors to our website who are California residents to request certain information regarding their disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please write us:

Rate House Mortgage Company, Inc.
Attn: President’s Office
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846
DISCLOSURE FOR CALIFORNIA USERS: RATE HOUSE MORTGAGE COMPANY, INC. AND OTHER PARTIES NOT AFFILIATED WITH US MAY COLLECT PERSONALLY IDENTIFIABLE INFORMATION ABOUT YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES WHEN YOU USE OUR WEBSITE OR THE SERVICES OFFERED ON OUR WEBSITE. WE DO NOT HAVE ANY PROTOCOL THAT OFFERS YOU THE CHOICE TO OPT-OUT OF INTERNET TRACKING. AT PRESENT TIME, THE RATE HOUSE MORTGAGE COMPANY, INC. WEBSITE IS UNABLE TO RESPOND TO “DO NOT TRACK” SIGNALS FROM YOUR INTERNET BROWSER. IF YOU HAVE ANY QUESTIONS REGARDING OUR INTERNET TRACKING METHODS PLEASE EMAIL US AT ANYTHING@THERATEHOUSE.COM.

NOTIFICATION OF PRIVACY STATEMENT CHANGES
We reserve the right to modify this privacy policy to reflect changes to our information practices at any time with notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of RATE HOUSE MORTGAGE COMPANY, Inc.’s website following the posting of changes to these terms will mean you accept those changes.

WHO CAN I CONTACT FOR PRIVACY RELATED ISSUES?
Rate House Mortgage Company, Inc.
Attn: President’s Office
1316 Bound Brook Road, Suite 1b, Middlesex, NJ 08846
732-218-5383 or 888-91-RATES or anything@theratehouse.com

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