Last updated January 03, 2024

Welcome to 1StopMLO.com (“Website”). By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"), which govern your access to and use of all content, services, and functionalities offered herein. If you do not agree with these Terms, please discontinue use of the Website immediately.

1. Use of Website

This Website is intended solely for informational purposes related to mortgage services offered by Christopher Crespo and/or 1StopMLO LLC. Use of this site does not constitute a loan application or approval, nor does it establish any agency or lender-borrower relationship.

You agree not to:

• Misrepresent your identity or provide false information on any contact or inquiry forms.
• Use this Website for any unlawful purpose, or to solicit the performance of any illegal activity.
• Copy, reproduce, or distribute any content from this Website without prior written consent.

2. No Guarantee of Loan Approval

The information on this Website is general in nature and does not guarantee any specific loan product, approval, rate, or outcome. Mortgage loans are subject to underwriting approval and individual qualification.

3. Affiliate Relationship with United Mortgage Corp

Christopher Crespo is affiliated with United Mortgage Corp, an equal housing lender. Use of this Website does not imply direct representation of United Mortgage Corp unless explicitly stated in writing.

You are prohibited from:

• Claiming association with United Mortgage Corp unless formally engaged through the proper application or communication channels.
• Using content, logos, or affiliations listed on this Website to falsely represent yourself as a mortgage broker or affiliate.
• Scraping or repurposing proprietary tools, branding, or affiliate information.

Any unauthorized use of United Mortgage Corp’s brand, name, or services may result in legal action.

4. Limitation of Liability

To the fullest extent permitted by law, 1StopMLO LLC, its owner(s), affiliates, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages that result from the use or inability to use the Website, including reliance on any information obtained through the Website.

5. Intellectual Property

All Website content including text, graphics, logos, and images is the property of 1StopMLO LLC or its affiliates and is protected under applicable intellectual property laws. Unauthorized use is strictly prohibited.

6. Third-Party Links

This Website may contain links to third-party sites, including but not limited to affiliate programs, referral partners, or service providers. These are provided for your convenience and do not constitute an endorsement. 1StopMLO LLC is not responsible for the content or services provided by these third parties.

7. Modifications

We reserve the right to update or change these Terms at any time without prior notice. Continued use of the Website after any such changes constitutes your acceptance of the new Terms.

8. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Connecticut, without regard to its conflict of law provisions.

9. Dispute Resolution and Arbitration

Any disputes, claims, or controversies arising out of or relating to the use of this Website, services provided, or these Terms shall first be attempted to be resolved through informal negotiations. If not resolved within thirty (30) days, the matter shall be settled exclusively through final and binding arbitration under the rules of the American Arbitration Association (AAA), and judgment on the arbitration award may be entered in any court having jurisdiction.

You agree that:

• You waive the right to a trial by jury or to participate in a class action.
• Arbitration shall be conducted in the state of Connecticut.
• Each party shall bear its own legal fees and arbitration costs unless the arbitrator rules otherwise.
• Either party may seek equitable relief (such as injunctive or preliminary relief) in court when necessary to prevent misuse of intellectual property or confidential information.

10. Data Collection and Cookies

By using this Website, you consent to the collection and use of non-sensitive data (e.g., contact form submissions, cookies for site performance, etc.). We do not share your information with third parties outside of our affiliate relationships and only use it to provide mortgage-related services. You may disable cookies in your browser settings at any time.

Contact Information

Christopher Crespo
NMLS# 2040756
Email: [email protected]
Phone: (203) 307-0016