Last Updated: December 03, 2025

Welcome to 1StopMLO.com (“Website”). By accessing or using this Website, you agree to these Terms and Conditions (“Terms”), which govern your use of all content, services, and features provided. If you do not agree with these Terms, discontinue use immediately.

1. Use of Website

This Website provides general mortgage education and resources created by Christopher Crespo (NMLS #2040756) through his independent platform, 1StopMLO LLC.

Use of this Website does not create a mortgage application, approval, or lending commitment.
All mortgage loan originations are handled exclusively through United Mortgage Corp (NMLS #1330), Equal Housing Lender, where Christopher Crespo is employed as a licensed Mortgage Loan Originator.

You agree not to:

Misrepresent your identity or submit false information.
Use the Website for unlawful purposes.
Copy or reproduce Website content without written permission.

2. No Guarantee of Loan Approval

All mortgage information is educational in nature.
Loan products, approvals, and terms are subject to underwriting and eligibility requirements set by United Mortgage Corp. Nothing on this Website guarantees approval or specific loan outcomes.

3. Relationship to United Mortgage Corp

Christopher Crespo is a licensed Mortgage Loan Originator employed by United Mortgage Corp.
1StopMLO LLC is an independent marketing and resource platform created and operated by Christopher Crespo.
It is not owned, operated, or managed by United Mortgage Corp, nor does it act as an affiliate or subsidiary.
All mortgage applications, processing, and loan decisions occur solely through United Mortgage Corp (NMLS #1330).

Use of this Website does not establish a lender-client relationship with United Mortgage Corp until an official loan application is submitted and acknowledged.

You are prohibited from:

Claiming any formal relationship, partnership, or affiliation with United Mortgage Corp beyond the information stated above.
Using United Mortgage Corp logos or materials without proper authorization.
Repurposing proprietary content belonging to 1StopMLO LLC or United Mortgage Corp.

4. Limitation of Liability

To the fullest extent permitted by law, 1StopMLO LLC, its owner(s), and agents are not liable for direct or indirect damages resulting from Website use or reliance on its content.

5. Intellectual Property

All content on this Website is the property of 1StopMLO LLC unless otherwise stated. Unauthorized reproduction or distribution is prohibited.

6. Third-Party Links

Links to outside websites, partners, or service providers are for convenience only.
1StopMLO LLC is not responsible for the content, accuracy, or practices of third-party sites.

7. Modifications

This Website may update these Terms at any time without notice. Continued use constitutes acceptance of the updated Terms.

8. Governing Law

These Terms are governed by the laws of the State of Connecticut.

9. Dispute Resolution / Arbitration

Disputes that cannot be resolved informally within 30 days will be handled through binding arbitration under the American Arbitration Association (AAA) in Connecticut.

You agree to:

Waive jury trials and class actions
Bear your own fees unless determined otherwise
Permit either party to seek court relief for IP protection

10. Data Collection and Cookies

This Website collects limited non-sensitive data, such as contact form submissions and cookies for performance analytics.
No personal information is sold or shared outside the normal requirements of mortgage origination with United Mortgage Corp.

You may disable cookies in your browser settings.

11. Partner and Referral Relationships

This Website may feature independent partners such as real estate agents, credit consultants, or insurance professionals.
These individuals and businesses are not representatives of United Mortgage Corp or 1StopMLO LLC.

Engaging with a partner is solely between you and that partner, and neither 1StopMLO LLC nor United Mortgage Corp is responsible for the outcome.

12. Featured Listings

Any real estate listings shown are sourced from third-party agents or MLS feeds.
1StopMLO LLC and United Mortgage Corp do not guarantee accuracy, availability, or pricing.
Listings do not imply representation or partnership.

13. Educational Content and Resources

All tools, guides, videos, and explanations are for educational purposes only.
They should not be interpreted as legal, tax, or financial advice.
For specific mortgage guidance, consult directly with United Mortgage Corp.

Equal Housing Lender Notice

Equal Housing Lender. All loans are subject to credit and property approval. Programs, rates, and terms may change without notice.

Contact Information

Christopher Crespo
Licensed Mortgage Loan Originator, NMLS #2040756
United Mortgage Corp, NMLS #1330
Email: ccrespo@1stopmlo.com
Phone: (203) 307-0016

1StopMLO LLC
Independent Marketing and Resource Platform
Fairfield, CT 06824

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