Important Disclosures

Please read the following disclosures carefully before using any services offered by Pioneers Home Loans, located at 500 Barnegat Blvd N, Suite 400, Barnegat, NJ 08005. By accessing our website or engaging with our team, you acknowledge and agree to the terms outlined below. For questions, contact us at (640) 224-4409 or [email protected]. Our office hours are Monday through Sunday, 8:00 AM to 6:00 PM.

1. Mortgage Broker Role & Limitations

Pioneers Home Loans acts solely as a mortgage broker and does not directly underwrite, fund, or issue mortgage loans. We connect applicants with third-party lenders whose products and criteria vary. As such:

• We do not make final credit decisions on behalf of any lender.
• Submission of an application through our office does not constitute a commitment to lend.
• Loan approval, denial, or modification decisions rest entirely with the participating lender.
• Lender availability and product offerings may change without prior notice.

2. No Guarantee of Loan Approval or Funding

Nothing on this website, in our marketing materials, or communicated verbally by any Pioneers Home Loans representative constitutes a guarantee of loan approval, loan funding, or credit acceptance. Outcomes depend on, but are not limited to:

• Individual credit history, credit score, and debt-to-income ratio
• Employment status, income verification, and documentation provided
• Property type, appraised value, and geographic location
• Lender-specific underwriting guidelines in effect at the time of application
• Applicable federal, state, and local regulations

3. Rates, Terms & APR

Any interest rates, annual percentage rates (APR), monthly payment figures, or loan terms referenced in our communications, advertisements, or website content are provided for illustrative and informational purposes only. They do not represent a commitment, quote, or guarantee of any specific rate or term. Actual rates and terms:

• Are determined solely by the participating lender based on creditworthiness and loan characteristics
• May be higher or lower than any example or estimate provided
• Are subject to change at any time without notice based on market conditions
• Depend on applicant qualification factors including, but not limited to, credit profile, loan-to-value ratio, and loan type

4. Credit Scores & Credit Outcomes

Pioneers Home Loans does not provide credit repair services and makes no representation, warranty, or guarantee regarding changes to an applicant's credit score or credit profile. Any general educational information about credit provided by our team:

• Is informational in nature and does not constitute financial or legal advice
• Does not guarantee any improvement, maintenance, or specific outcome related to credit scores
• Should be verified with a licensed credit counselor or financial advisor

5. Estimated Timelines

Any timelines communicated regarding loan processing, underwriting, closing, or funding are estimates only and are not guaranteed. Typical mortgage transactions in New Jersey may range from approximately 30 to 60 days from application to closing; however, actual timelines may be shorter or longer depending on:

• Lender processing volume and internal review procedures
• Completeness and accuracy of documentation submitted by the applicant
• Third-party services such as title search, appraisal, and title insurance
• Federal, state, or lender-mandated waiting periods

6. Equal Housing Opportunity

Pioneers Home Loans is committed to compliance with the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, age, or any other characteristic protected by applicable federal, state, or local law. If you believe you have been subject to discriminatory lending practices, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at www.hud.gov.

7. Privacy & Data Use

Information you provide to Pioneers Home Loans, including personal, financial, and identifying details, may be shared with third-party lenders, service providers, and affiliated partners solely for the purpose of evaluating and processing your mortgage inquiry. We maintain reasonable safeguards to protect your personal information in accordance with applicable state and federal privacy laws, including the Gramm-Leach-Bliley Act (GLBA). Please review our Privacy Policy for complete details on how your data is collected, used, and protected.

8. Licensing

Pioneers Home Loans operates as a licensed mortgage broker in the State of New Jersey. Licensing information is available through the Nationwide Multistate Licensing System & Registry (NMLS). Consumers may verify our licensing status at www.nmlsconsumeraccess.org.

9. Third-Party Links & Content

Our website may contain links to third-party websites or resources for informational purposes. Pioneers Home Loans does not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party site. Accessing third-party links is done at your own risk.

10. Changes to Disclosures

Pioneers Home Loans reserves the right to update, modify, or revise these disclosures at any time without prior notice. Your continued use of our website or services following any changes constitutes acceptance of the updated disclosures. We encourage you to review this page periodically.

Last reviewed and updated: 2025. For questions regarding these disclosures, please contact us at (640) 224-4409 or [email protected].