Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website located at https://www.unifiedmortgageexperts.com and related online services operated by Cobalt Mortgage, LLC dba Unified Mortgage Experts dba Unified Mortgage Experts ("Unified Mortgage Experts," "we," "us," or "our"). By accessing or using our website, you agree to these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use this website.

Cobalt Mortgage, LLC dba Unified Mortgage Experts is a licensed mortgage company doing business as Unified Mortgage Experts. Our NMLS unique identifier is #1891147. License information is available on our State Licensing page and through NMLS Consumer Access.

Unified Mortgage Experts is not acting on behalf of or at the direction of HUD/FHA or the federal government. We are approved to participate in FHA programs, but products and services performed by Unified Mortgage Experts are not coming directly from HUD or FHA.

You must be at least 18 years old and legally able to enter into a contract to use this website for mortgage-related inquiries or applications. You agree to provide accurate, current, and complete information and to use the website only for lawful purposes.

You agree not to:

• Use the website in any way that violates applicable law or regulation;
• Attempt to gain unauthorized access to our systems, data, or accounts;
• Interfere with the proper working of the website or related services;
• Scrape, copy, or republish site content without written permission;
• Submit false, misleading, or fraudulent information.

Information on this website, including rate examples, payment estimates, calculators, and educational content, is provided for general informational purposes only. Nothing on this website constitutes a loan offer, rate lock, approval, or commitment to lend.

All loan programs, rates, fees, and terms are subject to change without notice and are not guaranteed until disclosed on official loan documents and, where applicable, a rate lock agreement is executed. Loan approval requires a completed application, satisfactory underwriting, property appraisal, title review, verification of information, and satisfaction of investor and regulatory requirements.

If you choose to apply for a mortgage or request information through our website, you authorize us and our service providers to contact you by phone, text, email, or other permitted methods regarding your inquiry or application. Message and data rates may apply. Consent to communications is not a condition of purchase where prohibited by law.

Submitting an inquiry or application does not guarantee loan approval. We reserve the right to decline an application at any time for lawful business or underwriting reasons.

Our website may link to or integrate with third-party application portals, scheduling tools, social media platforms, and other external services. Those services are operated by third parties and are subject to their own terms and privacy policies. We are not responsible for third-party content, availability, or practices.

The website and its content, including text, graphics, logos, images, software, and design, are owned by or licensed to Unified Mortgage Experts and are protected by copyright, trademark, and other intellectual property laws. You may view and print content for personal, non-commercial use only. Any other use requires our prior written consent.

Unified Mortgage Experts does business in accordance with federal fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other protected characteristic prohibited by applicable law.

If you believe you have experienced discrimination in connection with a mortgage transaction, you may contact HUD at hud.gov or 1-800-669-9777.

THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNIFIED MORTGAGE EXPERTS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claim arising out of these Terms or your use of the website will not exceed one hundred U.S. dollars (US $100), except where liability cannot be limited under applicable law.

You agree to indemnify and hold harmless Unified Mortgage Experts and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the website, violation of these Terms, or violation of any law or third-party rights.

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles, except where federal law applies. Any dispute arising under these Terms shall be brought in the state or federal courts located in Maricopa County, Arizona, and you consent to personal jurisdiction in those courts.

We may revise these Terms at any time by posting an updated version on this page. Your continued use of the website after changes become effective constitutes acceptance of the revised Terms.

Questions about these Terms may be directed to:

• Cobalt Mortgage, LLC dba Unified Mortgage Experts
• 4835 E Cactus Road Suite 145, Scottsdale, AZ 85254
• Phone: 1.800.931.2961
• Email: support@unifiedmortgageexperts.com