Terms of Service

Please read these terms carefully before using our services

Last Updated: January 2026

1. Acceptance of Terms

By accessing or using the Blueridge Lending LLC website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

Blueridge Lending LLC is a licensed mortgage broker that connects borrowers with lenders to facilitate residential mortgage loans. Our Services include:

  • Pre-qualification assessments
  • Mortgage loan application processing
  • Rate shopping and loan comparisons
  • Educational resources about mortgage products
  • Communication tools between borrowers and loan specialists

3. User Accounts

Account Registration

To access certain features of our Services, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Keep your login credentials confidential
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms or for any other reason at our sole discretion.

4. User Responsibilities

When using our Services, you agree to:

  • Provide truthful and accurate information in all applications and communications
  • Not misrepresent your identity, income, employment, or financial status
  • Not use our Services for any unlawful purpose
  • Not attempt to gain unauthorized access to our systems
  • Not interfere with or disrupt the Services
  • Comply with all applicable federal, state, and local laws

5. Not a Lender

Blueridge Lending LLC is a licensed mortgage broker, NOT a lender. We do not make credit decisions or fund loans. All loan approvals, terms, and conditions are determined by third-party lenders. We facilitate the loan process but cannot guarantee loan approval or specific terms.

6. No Guarantee of Results

We do not guarantee:

  • Approval of any mortgage application
  • Specific interest rates or loan terms
  • Availability of particular loan products
  • Timeline for loan processing or closing

Pre-qualification is not a commitment to lend and is subject to verification of information and lender approval.

7. Third-Party Services

Our Services may integrate with third-party services including:

  • Identity verification services (Google, Microsoft for login)
  • Credit reporting agencies
  • Lender systems and portals
  • Payment processors

Your use of third-party services is subject to their respective terms and privacy policies.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Blueridge Lending LLC or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BLUERIDGE LENDING LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12. Indemnification

You agree to indemnify and hold harmless Blueridge Lending LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Services or violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of York County, South Carolina.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of the Services after changes are posted constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Contact Information

For questions about these Terms of Service, please contact us:

Blueridge Lending LLC
534 River Crossing Dr, Suite 302
Fort Mill, SC 29715
Email: info@blueridgelendingllc.com
NMLS #2544619