Legal & Compliance.

1. Comprehensive Privacy & Data Framework

A. Data Collection: CrestBridge Capital LLC collects Personal Identifiable Information (PII) necessary for the evaluation of mortgage refinance and home equity loan inquiries. This includes: Full Legal Name, Residential Address, Social Security Number (upon explicit authorization), Employment and Income Details, Property Address and Estimated Value, and Current Mortgage Information.

B. Credit Inquiry: Prequalification submissions authorize a "soft" credit inquiry that does not affect your FICO score. A "hard" inquiry is only executed with your written consent upon formal loan application.

C. Regulatory Compliance: CrestBridge adheres to the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the Real Estate Settlement Procedures Act (RESPA), and the Truth in Lending Act (TILA), along with all applicable state licensing and lending regulations.

2. Terms of Service & Electronic Consent

A. Agreement: By accessing the Site, you agree to these binding Terms of Service. If you do not agree, you must discontinue use immediately.

B. Electronic Consent: You consent to receive all disclosures, communications, and notices electronically, including Loan Estimates, Closing Disclosures, and any required adverse action notifications.

C. Limitation of Liability: CrestBridge Capital and its partners shall not be liable for damages arising from the use or inability to use the Site, including loss of data, profit, or business interruption.

3. Federal Disclosure & Rate Information

A. APR Disclosure: Mortgage refinance APRs range from 5.49% to 18.99% based on creditworthiness, loan-to-value ratio, property type, and loan term. All rates are subject to credit approval.

B. Representative Example: A $250,000 refinance at 5.99% APR over a 30-year fixed term results in approximately 360 monthly payments of $1,498. Total interest paid: approximately $289,280.

C. Fee Structure: CrestBridge charges $0 application fees. Third-party closing costs (appraisal, title, recording) apply and are disclosed in your Loan Estimate. No prepayment penalties on any CrestBridge-originated loans.