Personal Apply Terms & Conditions

By submitting your application, you acknowledge you’ve read and signed the below agreement, providing us with express written consent to contact you via text or phone by automated dialing system, keep your real estate agent updated, and send you documents online.

I give permission to be contacted via text.

You consent and agree that may text you information, sent through an automatic telephone dialing system, on the progress of your application, which also may include offers and other product information, at the number you provided. You’re not required to consent to text messaging in order to apply nor obtain a loan. If you do not wish to be updated on your application’s progress through the use of text messaging, deselect this option.

I allow my Realtor to receive updates.

I allow my Realtor to receive updates. may share information about your transaction with your Realtor. Such information shared will be limited to: Your Name, Subject Property, Transactions Details (for example Estimated Closing Date, Loan Status, and Loan Amount), and contact information. Your permission granted by you to will remain in effect until revoked (see “To Limit our Sharing” on ’s Privacy Policy) or when your application is either consummated or canceled. Additionally, we shall maintain a record of your consent, which you are entitled to a free copy upon request. If you do not want to share information on your application, you may deselect this option.

I give permission to be contacted by a real estate agent.

By selecting or toggling on the label “I am working with a real estate agent in this area.” I am allowing Lower to assist me in finding a real estate agent from the Lower Realty program and sharing my contact information with them.

I agree to receive and sign documents online.

The loan for which you are applying involves various disclosures, records, and documents ("Loan Documents"), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Loan Documents from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before We can engage in this transaction electronically, it is important that You understand Your rights and responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. For purposes of this eDisclosure Agreement, "eDisclosures" means the Loan Documents related to this transaction that are provided electronically, "You" and "Your" mean the borrower(s) under the applicable loan to which such Loan Documents apply, and "We", "Our" and "Us" mean the applicable mortgage broker(s), loan processor(s) or mortgage banker(s) with whom You are transacting business for such loan(s).

Your Consent

• Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which you are applying. If you provide your consent by clicking the "I agree" button at the bottom of the page, we will conduct this transaction electronically, instead of providing you with the Loan Documents in paper form.
• If a document related to your loan is not available in electronic form, a paper copy will be provided to you free of charge.
• Conducting this transaction electronically is an option. If you choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to you.
• If you do not consent to receive these Loan Documents electronically, you will be provided with copies of the Loan Documents in paper form. Additionally, you will not be required to pay a fee for receiving paper copies of the Loan Documents.

Withdrawal of Consent

You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive eDisclosures, We will provide You with the Loan Documents in paper form

If You originally consent to receive eDisclosures, but later decide to withdraw Your consent, You can do so by clicking on the "I do not agree" button, or by notifying Us at:

Phone: (443) 741 8166

Address: 8131 Smith's Mill Rd, New Albany, OH 43054

Obtaining Paper Copies

After Your consent is given, You may request from Us paper copies of Your Loan Documents. Please send this request to Us at: Phone: (443) 741 8166 | Address: 8131 Smith's Mill Rd, New Albany, OH 43054

If You request paper copies of the Loan Documents: You will not be required to pay a fee for receiving paper copies of the Loan Documents.

SYSTEM REQUIREMENTS

• In order to receive eDisclosures, You must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of Your eDisclosures for Your records.
• If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, you will be able to do so without penalty.