Terms of Use

Effective Date: January 1, 2026

These Terms of Use (“Terms”) govern your access to and use of this website and any related pages, calculators, forms, content, and features that link or refer to these Terms (collectively, the “Site”). The Site is operated by The Commercial Loan Arranger LLC, NMLS #1790945 (“Company,” “Old Town Mortgage,” “we,” “us,” or “our”).

These Terms govern Site use only. They do not replace any separate agreement, disclosure, consent, privacy notice, portal terms, application terms, rate-lock terms, broker disclosures, or loan documents that may apply if you request information, begin an application, or enter into a financing transaction with us or through a third-party platform.

1. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not access or use the Site.

2. Eligibility and Geographic Scope

You represent that you are at least 18 years old and legally able to enter into a binding agreement.

The Site may be viewed from anywhere, but any regulated mortgage brokerage or financing-related services described on the Site are intended to be conducted only where we are lawfully authorized, and are intended for business conducted in the State of Colorado. Nothing on the Site constitutes an offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful.

3. Informational and Educational Use Only

The Site is provided for general informational and educational purposes only. Nothing on the Site is:

  • legal, tax, accounting, investment, or financial advice;

  • a commitment to lend;

  • a guarantee of approval, eligibility, pricing, savings, closing timeline, or loan terms;

  • a Loan Estimate, Closing Disclosure, rate lock, or other formal lending disclosure; or

  • a substitute for speaking directly with a licensed professional and reviewing formal application and loan documents.

All loan products, rates, fees, terms, and program availability are subject to change without notice and depend on borrower qualifications, property review, verification, underwriting, investor and program guidelines, market conditions, and applicable law.

4. Calculator, Rate, and Savings Disclaimers

Any calculator, payment estimate, pre-qualification tool, refinance analysis, buydown analysis, rent-versus-buy analysis, investment analysis, or other estimate on the Site is provided for convenience only and is based on assumptions that may not apply to your situation.

Actual loan terms and payment obligations may differ materially and may depend on factors including interest rate, APR, loan type, term, points, lender fees, taxes, insurance, mortgage insurance, HOA dues, escrows, property type, occupancy, credit profile, income, assets, liabilities, and closing costs.

Any market, rate, or industry information displayed on the Site may come from third-party or national-average sources and may not reflect the rate, fee, or product available to you.

5. Third-Party Websites, Tools, and Application Platforms

The Site may contain links to or integrations with third-party websites, software, calculators, service providers, or application platforms, including third-party loan origination or point-of-sale systems such as ARIVE.

If you choose to access or use a third-party platform, your use of that platform is governed by that provider’s own terms, privacy notices, disclosures, and policies. We do not control, and are not responsible for, the availability, content, security, functionality, or practices of third-party websites or services.

Any application, consent, disclosure, or agreement presented through a third-party platform or in connection with a financing transaction will control over these Terms to the extent of any conflict.

6. No Professional, Fiduciary, or Broker-Client Relationship by Site Use Alone

Using the Site, reading content, running calculators, or submitting a basic inquiry does not by itself create a mortgage broker-client, fiduciary, advisory, attorney-client, or other professional relationship between you and us.

Any such relationship, if any, arises only through separate written agreements, required disclosures, and applicable law.

7. Your Information, Submissions, and Security Responsibilities

If you submit information through the Site or in connection with an inquiry, you agree that:

  • the information is true, accurate, current, and complete to the best of your knowledge;

  • you will not knowingly provide false, misleading, incomplete, or fraudulent information;

  • you will not submit information about another person without proper authority;

  • you will keep any login credentials or portal access information confidential; and

  • you will follow any security instructions we provide for document transmission or portal access.

Do not send Social Security numbers, tax returns, bank statements, or other highly sensitive personal information through unsecured email or general website forms unless and until we direct you to an approved secure method.

8. Prohibited Uses

You may use the Site only for lawful purposes. You may not:

  • violate any applicable law, regulation, or third-party right;

  • use the Site for fraudulent, deceptive, abusive, harassing, or unlawful purposes;

  • impersonate any person or entity or misrepresent your identity or affiliation;

  • submit false, misleading, or unauthorized information;

  • interfere with or disrupt the Site, servers, networks, or security features;

  • attempt to gain unauthorized access to any account, system, data, or environment;

  • introduce malware, ransomware, spyware, viruses, bots, or other harmful code;

  • scrape, crawl, spider, data-mine, harvest, index, or copy Site content by automated means without our prior written consent;

  • use Site content to build a competing product or service, create a database, perform competitive benchmarking, or train or improve machine learning or artificial intelligence models without our prior written consent;

  • copy, reproduce, republish, distribute, modify, frame, mirror, sell, license, or commercially exploit any part of the Site except as expressly permitted by us in writing; or

  • use the Site in any way that could damage, disable, overburden, or impair the Site or interfere with another user’s access or use.

We reserve the right to investigate suspected misuse and to suspend, block, or terminate access to the Site at any time.

9. Intellectual Property

The Site and all content on or made available through the Site, including text, graphics, logos, icons, images, videos, page layouts, branding, software, calculators, compilations, and other materials, are owned by us or our licensors and are protected by copyright, trademark, trade secret, and other applicable laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site solely for your personal or internal business use in evaluating our services. No other right or license is granted.

You may not use our name, trademarks, service marks, logos, trade dress, or other brand features without our prior written consent. Any third-party trademarks or content appearing on the Site remain the property of their respective owners.

10. Electronic Communications

By using the Site or contacting us electronically, you agree that we may communicate with you electronically regarding Site-related matters and your inquiry, to the extent permitted by law.

Any separate consent you provide for telephone calls, text messages, e-signatures, electronic disclosures, or loan-related communications will be governed by the specific consent language presented at that time and not by this Section.

11. Privacy

Your use of the Site is also subject to our Privacy Policy and any applicable disclosures we provide.

While we use measures designed to protect information, no website, email transmission, or internet-based system can be guaranteed to be completely secure. You use the Site at your own risk and are responsible for using secure methods when instructed.

12. Site Availability, Changes, and No Warranty

We may change, update, suspend, restrict, or discontinue any part of the Site at any time, with or without notice. We may correct errors, inaccuracies, or omissions at any time.

To the fullest extent permitted by law, the Site and all Site content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, or uninterrupted availability.

This Section applies only to the Site and Site content and does not alter any obligation we may expressly assume in a separate written agreement or as required by applicable law.

13. Limitation of Liability

To the fullest extent permitted by law, we and our owners, officers, employees, contractors, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to:

  • your access to, use of, or inability to use the Site;

  • your reliance on Site content, calculators, estimates, or linked resources;

  • any interruption, error, omission, delay, or defect in the Site; or

  • any third-party site, platform, or service linked from or used in connection with the Site.

For any claim governed by these Terms and relating solely to Site use, our aggregate liability will not exceed the greater of: (a) $100, or (b) the amount, if any, you paid us specifically for use of the Site during the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless us and our owners, officers, employees, contractors, licensors, and service providers from and against any third-party claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • your breach of these Terms;

  • your misuse of the Site;

  • your violation of any law or third-party right; or

  • your submission of false, unauthorized, or unlawful information.

This indemnity does not apply to the extent a claim results from our gross negligence, willful misconduct, or violation of law.

15. Suspension and Termination

We may suspend, restrict, or terminate your access to the Site at any time, with or without notice, for any reason, including suspected misuse or breach of these Terms.

Sections that by their nature should survive termination will survive, including Sections 3 through 20.

16. Website-Only Dispute Resolution: Mediation First, Then Arbitration

Important scope limitation: This Section 16 applies only to disputes arising solely from your access to or use of the Site itself or these Terms (“Website Disputes”).

Excluded Matters

This Section 16 does not apply to, and expressly excludes, any dispute arising out of or relating to:

  • any inquiry, lead, contact request, pre-qualification, pre-approval, or application for financing;

  • any extension of credit, mortgage product, loan product, brokering activity, underwriting decision, disclosure, rate quote, lock, denial, approval, closing, servicing, collection, foreclosure, or loss mitigation matter;

  • any consumer credit transaction secured by a dwelling;

  • any residential mortgage loan, HELOC, or other transaction for which mandatory arbitration is prohibited by applicable law; or

  • any claim that applicable law requires to be heard in court or another forum.

Those matters are governed by applicable law and any separate disclosures, agreements, or loan documents, not by this Section 16.

Informal Notice and Good-Faith Resolution

Before starting mediation or arbitration for a Website Dispute, the complaining party must send written notice describing the dispute and the requested relief.

Notices to us must be sent to:

The Commercial Loan Arranger LLC
913 Dancing Horse Drive
Colorado Springs, Colorado 80919
Email: hello@oldtownloans.com

The parties will attempt in good faith to resolve the Website Dispute informally for 30 days after notice is received.

Mandatory Mediation First

If a Website Dispute is not resolved informally, the parties agree to attempt to resolve it first through mediation in Larimer County, Colorado, unless the parties agree to remote mediation or another location.

The mediation will be administered by the American Arbitration Association (“AAA”) under its applicable mediation procedures, or by another mediator/service mutually agreed in writing.

Binding Arbitration After Mediation

If the Website Dispute is not resolved through mediation, either party may submit the Website Dispute to binding arbitration in Larimer County, Colorado, administered by the AAA before a single arbitrator.

The arbitration will proceed under the AAA rules the administrator determines are applicable, including consumer or commercial rules as appropriate. The arbitrator may award any individual remedy available under applicable law for the specific Website Dispute.

Judgment on the arbitration award may be entered in any court having jurisdiction.

Individual Proceedings Only; No Class Actions

To the fullest extent permitted by law for Website Disputes, all mediation and arbitration proceedings must be conducted only on an individual basis and not on a class, collective, consolidated, representative, or private attorney general basis.

If this individual-proceeding requirement is found unenforceable as to a particular Website Dispute, that Website Dispute must proceed in court and not in arbitration.

Court Relief Still Allowed in Limited Situations

Nothing in this Section prevents either party from seeking:

  • temporary, preliminary, or emergency injunctive relief in a court of competent jurisdiction to protect intellectual property, confidential information, data security, or system integrity; or

  • relief in small claims court for an eligible individual Website Dispute.

17. Governing Law and Venue

For Site-use matters governed by these Terms, Colorado law governs, without regard to conflicts-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 16 where applicable.

For any Website Dispute allowed to proceed in court under these Terms, exclusive venue will be in the state or federal courts serving Larimer County, Colorado, to the extent permitted by law.

18. Changes to These Terms

We may revise these Terms from time to time. Updated Terms become effective when posted on the Site unless a later date is stated.

Your continued use of the Site after revised Terms are posted constitutes your acceptance of the revised Terms.

19. Miscellaneous

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect, except that if the individual-proceeding requirement in Section 16 is found unenforceable for a particular Website Dispute, that dispute will proceed in court and not in arbitration.

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, restructuring, sale of assets, or by operation of law.

These Terms constitute the entire agreement between you and us regarding Site use, and supersede prior discussions or understandings regarding Site use only.

20. Contact Information

For questions about these Terms, contact:

The Commercial Loan Arranger LLC
Old Town Mortgage
NMLS #1790945
913 Dancing Horse Drive
Colorado Springs, Colorado 80919
hello@oldtownloans.com
(888) 715-8696