Type of appointment
By accessing or using the Site (as defined hereinafter), you are entering into a binding legal agreement with the Company; the website, located at
EXPRESS WRITTEN CONSENT. BY SUBMITTING YOUR CONTACT INFORMATION, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT TO RECEIVE COMMUNICATIONS FROM US AT THE E-MAIL ADDRESS AND TELEPHONE NUMBERS YOU ENTERED INTO OUR CONTACT FORM, OR THAT YOU LATER PROVIDE TO US OR ENTER INTO YOUR CONTACT PAGE. YOUR CONSENT ALSO SERVES AS YOUR EXPRESS WRITTEN CONSENT TO YOUR PAST RECEIPT OF ELECTRONIC COMMUNICATIONS FROM US. YOU FURTHER REPRESENT AND WARRANT THAT: (I) YOU ARE AT LEAST 18 YEARS OLD; (II) YOU LIVE IN THE UNITED STATES (OR CANADA, IN SUCH CASE, THE CANADIAN CONSENTS BELOW SHALL APPLY); (III) YOU HAVE NOT REGISTERED ON A NATIONAL OR STATEWIDE DO-NOT-CALL LIST, OR OTHERWISE GRANT THE COMPANY A WAIVER TO SUCH REGISTRATION FOR THE USE HEREOF; (IV) YOU ARE THE ACCOUNT HOLDER OF, OR HAVE THE REQUIRED CONSENT TO PROVIDE THE PHONE NUMBERS AND E-MAIL ADDRESSES PROVIDED; (V) THE PHONE NUMBERS AND E-MAIL ADDRESSES PROVIDED ARE ACCURATE, AND YOU WILL PROVIDE US NOTICE IF YOU RELEASE EITHER SUCH ACCOUNT TO ANOTHER.
THESE COMMUNICATIONS MAY INCLUDE, WITHOUT LIMITATION, TELEMARKETING MESSAGES, THROUGH THE USE OF E-MAIL, LANDLINE PHONE, FAX, CELLULAR PHONE, TEXT MESSAGES (INCLUDING SMS AND MMS), AND NOTIFICATIONS THROUGH ANY APP THAT WE PRODUCE.
WE MAY USE AN AUTOMATIC TELEPHONE DIALING SYSTEM (OR "AUTO-DIALER"), WHICH MAY EMPLOY AN ARTIFICIAL OR PRE-RECORDED VOICE OR "ROBOTEXTS." YOUR CARRIER'S STANDARD RATES AND CHARGES MAY APPLY.
NO PURCHASE NECESSARY.
AGREEING TO THESE COMMUNICATIONS IS NOT A CONDITION OF PURCHASING ANY PROPERTY, GOODS, OR SERVICES FROM US.
REVOKING CONSENT AND OPTING OUT.
YOU MAY REVOKE YOUR CONSENT TO RECEIVE CERTAIN COMMUNICATIONS AT ANY TIME. TO STOP RECEIVING TEXT MESSAGES, REPLY "STOP" TO ANY OF OUR TEXTS. TO STOP RECEIVING E-MAILS, CLICK THE "UNSUBSCRIBE" LINK WHEN PROVIDED, OR REPLY "UNSUBSCRIBE" TO THE E-MAIL WHEN AN AUTOMATED UNSUBSCRIBE LINK IS NOT AVAILABLE. TO STOP RECEIVING PHONE CALLS, COMMUNICATE THAT REQUEST TO US VIA PHONE, TEXT MESSAGE, OR E-MAIL. WE WILL MAKE A COMMERCIALLY REASONABLE EFFORT TO COMPLY WITH ANY COMMUNICATIONS FROM YOU OPTING OUT. BY CONTACTING US TO OPT-OUT OF A CERTAIN COMMUNICATION, YOU CONSENT TO RECEIVE A FINAL COMMUNICATION CONFIRMING YOUR OPT-OUT.
HOW OFTEN WE SEND YOU COMMUNICATIONS WILL VARY, BECAUSE THE INDIVIDUAL SALESPERSON WHO COMMUNICATE WITH YOU WILL DETERMINE SUCH FREQUENCY.
Personally Identifiable Information refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, e-mail address, financial profile, social security number, and credit card information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.
What Personally Identifiable Information is collected?
We may collect basic user profile information from all of our Visitors. We collect the following additional information from our Authorized Customers: name, address, phone number, internet protocol address (IP address), and e-mail address.
What organizations are collecting the information?
In addition to our direct collection of information, our third-party service vendors (such as mortgage lenders, insurance brokers, and title companies), which may provide such services as mortgage lending, mortgage insurance, escrow services, and title insurance, may collect this information from our Visitors and Authorized Customers. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them by Visitors and Authorized Customers. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information provided to them.
How does the Site use Personally Identifiable Information?
We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfill requests to buy or sell made on the Site. We may e-mail Visitors and Authorized Customers about research or opportunities to purchase and sell on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Authorized Customers in response to specific inquiries, or to provide requested information.
With whom may the information be shared?
Personally Identifiable Information pertaining to Authorized Customers and other non-personally identifiable information will be shared with our employees and with third-party service providers who assist us with our Site operations or other services we may offer. Personally Identifiable Information about Authorized Customers may be shared with other Authorized Customers and other providers of real estate-related services, such as mortgage lenders we work with, which wish to evaluate potential transactions with other Authorized Customers and/or us. Further, we may share aggregated information about our Visitors and Authorized Customers, including demographics, with our affiliated agencies and third-party vendors. We also offer the opportunity to "opt out" of receiving information or being contacted by us or by any agency acting on our behalf. Our employees, agents, third-party service providers and partners are contractually bound to use Personally Identifiable Information solely in connection with providing the Services, and may not use it for any other purpose.
We may disclose information provided by Visitors as part of any merger, sale, acquisition, or financing of our company. Furthermore, in some instances, we may be legally required to provide information about Visitors to government authorities, including law enforcement, Homeland Security, and intelligence agencies. We cooperate with law enforcement in identifying persons using our Services for illegal activities and reserve the right to report any activities that we believe to be unlawful or in violation of our Terms and Conditions.
How is Personally Identifiable Information stored?
Personally Identifiable Information collected by the Company is securely stored in accordance with current industry standards and is not accessible to third parties or employees of the Company except for use as indicated above.
What choices are available to Visitors regarding collection, use and distribution of the information?
Visitors and Authorized Customers may opt out of receiving unsolicited information from us or being contacted by us and/or our vendors and affiliated agencies, as well as request of us and receive from us information on the specific elements of their Personally Identifiable Information being held by us, by responding to e-mails as instructed, or by contacting us at:
923 Haddonfield Road Suite #300
Cherry Hill, NJ 08002
The Company uses log-in information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user's movement and use, and gather broad demographic information.
All of our employees are fully informed of our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees with a password for accessing the information. We audit our security systems and processes on a regular basis. We utilize encryption protocols to protect sensitive information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, and break-ins, and we cannot guarantee or warrant that such events will not take place and will not be liable to Visitors or Authorized Customers for any such occurrences.
Visitors and Authorized Customers may contact us to update Personally Identifiable Information related to them or to correct any inaccuracies by e-mailing us at
We encourage Visitors and Authorized Customers to keep Personally Identifiable Information up to date at all times. With that said, changes and updates to Personally Identifiable Information will only be reflected going forward, and we cannot alter any information we may have provided to a third party
We do not and cannot, under the law, discriminate against Visitors and Authorized Customers for exercising any of their rights with regard to their Personally Identifiable Information, as detailed herein. Such forbidden discrimination includes, denying goods or services, charging different prices, or providing a different level or quality of service. However, we are, under the law, able to offer different services and rates if such differences are reasonably related to the value of the consumers' data.
We provide the following disclosures pursuant to Cal. Bus. & Prof. Code § 22575 - 22579.
We provide Visitors and Authorized Customers, including those claiming California residency, with information on how to exercise their respective disclosure options and choices pertaining to Personally Identifiable Information, such as the right to opt-out or unsubscribe, or opt-in for use of Personally Identifiable Information by third parties for marketing purposes. Accordingly, pursuant to the California Civil Code, we are not required to maintain or disclose a list of the third parties that have received Personally Identifiable Information for marketing purposes during the preceding year.
California residents wishing to request information about how to exercise their disclosure options and choices pertaining to third party disclosures, please send requests by mail to "Request for California Disclosure Choices" at the mailing address provided above. With all requests, please include your name, street address, city, state, zip code and e-mail address. We do not accept requests via telephone or fax. We are not responsible for failure to respond to incomplete or incorrectly labeled or submitted notices.
We do not abide by Do Not Track signals from a user's Internet browser. We make no representations concerning third parties that do not collect Personally Identifiable Information directly through our Site.
Our Site is not intended for use by minors, and as such, no one under the age of 18 should use, or provide any personal information to, our Site. If we discover that we have mistakenly collected personal information from a child under the age of 13, we will delete that information as soon as possible.
The Site contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites, as their privacy policies may differ from ours.
Last updated on 6/15/2021.
Many lenders pre-qualify or pre-approve mortgage applicants, which can help considerably in the buying process. While the terms are often used interchangeably, there are some important differences to note.
In general, pre-qualification is considered an initial step in which the applicant provides information on income, assets and debts. The lender may or may not require documentation.
Pre-approval is considered the next step and requires documentation and a credit check. A hard credit inquiry can affect your credit score, and several by different lenders in a short period of time can cause your score to take a significant hit. If you’re thinking about getting pre-qualified or pre-approved for a mortgage, ask if the company will perform a hard credit inquiry and decide if you are willing to risk the potential impact on your score.
Reasons to Get Pre-Qualified or Pre-Approved
Getting pre-qualified or pre-approved for a mortgage before you begin house hunting can help you throughout the whole process. It can save you time and can help you avoid frustration and disappointment later. This is because you can start your search with a reasonable estimate of how much you will be able to borrow. That means you can focus on houses in your price range, rather than falling in love with a house and then finding out that a lender will not loan you enough money to buy it.
If you have found the house of your dreams and want to make an offer, you need to show the owners that you are serious. That means you need to be able to demonstrate that you’re able to qualify for the mortgage you need to buy the house.
Some homeowners may only be willing to sell to buyers who’ve been pre-approved for a mortgage, while others may be willing to accept an offer from buyers who’ve been pre-qualified. In some areas, one is more widely accepted than the other. Ask your real estate agent whether being pre-qualified or pre-approved is more likely to help your chances of having your offer accepted.
Obtaining a Mortgage
Being pre-qualified or pre-approved does not necessarily mean that you’ll be approved for a mortgage by that lender. The company may require additional documentation to process your mortgage application and may learn more facts that influence their decision. Getting pre-qualified or pre-approved by a particular company does not mean that you’re obligated to obtain a mortgage from that lender. You can and should shop around for the best terms.
103 Laurelbrook Rd
Cherry Hill, NJ 08034