Terms of Service

1. Acceptance of Terms

By accessing or using the website bunchhomeloans.com and related services operated by Dylan Bunch / Bunch Home Loans, NMLS #2283470 ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Services Description

Bunch Home Loans provides mortgage lending services, including but not limited to: purchase loans, refinance loans, FHA loans, VA loans, conventional loans, and related mortgage products and services. We serve homebuyers and homeowners primarily in the Dayton, Ohio metropolitan area and throughout the state of Ohio.

Our website provides informational content, mortgage calculators, online application tools, and communication features. The information on this website is for general informational purposes and does not constitute a loan commitment, rate lock, or binding offer.

3. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By submitting a loan application or using our services, you represent that all information provided is accurate and complete.

4. SMS/Text Messaging Terms

By opting in to receive SMS messages from Bunch Home Loans, you agree to the following:

• Transactional Messages: You consent to receive service-related messages including loan status updates, appointment reminders, rate notifications, and document requests. These messages are essential to servicing your mortgage inquiry or application.
• Marketing Messages: If you separately opt in, you consent to receive promotional messages including market updates, special offers, and homebuying tips. Marketing consent is entirely optional and not required to receive our services.
• Message Frequency: Message frequency varies depending on your loan status and activity. You may receive multiple messages per week during active loan processing.
• Costs: Message and data rates may apply. Check with your mobile carrier for details about your text messaging plan.
• Opt-Out: Reply STOP to any message to opt out of all SMS communications. You will receive a one-time confirmation message. You may also contact us directly to opt out.
• Help: Reply HELP for assistance or contact us at (937) 901-4946.
• Consent Not Required: SMS consent is not a condition of purchasing any goods or services from Bunch Home Loans.
• No Sharing: We do not share your SMS consent, phone number, or opt-in data with any third parties for their marketing purposes.

Supported Carriers: Major US carriers are supported including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

5. Mortgage Disclosures

All mortgage loans are subject to credit approval, underwriting guidelines, and property appraisal. Interest rates, fees, and terms are subject to change without notice. Rate quotes and pre-approval letters are not binding commitments to lend.

Dylan Bunch / Bunch Home Loans, NMLS #2283470, is an Equal Housing Lender. We comply with all applicable federal and state fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act.

6. Website Content and Calculators

The mortgage calculators, rate information, and educational content on our website are provided for informational purposes only. Results from calculators are estimates and may not reflect actual loan terms. Actual rates, payments, and fees will be determined during the application process based on your specific financial situation.

7. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and truthful information
• Not use our services for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not transmit harmful code, viruses, or malicious software
• Not misrepresent your identity or affiliation

8. Intellectual Property

All content on bunchhomeloans.com, including text, graphics, logos, images, and software, is the property of Bunch Home Loans or its content providers and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Limitation of Liability

To the maximum extent permitted by law, Bunch Home Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount of fees paid by you, if any, for use of our services.

11. Governing Law

These Terms of Service are governed by the laws of the State of Ohio, without regard to conflict of law provisions. Any disputes shall be resolved in the courts of Montgomery County, Ohio.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on our website. Your continued use of our services after changes are posted constitutes acceptance of the revised terms.

13. Contact Information

For questions about these Terms of Service, please contact:

Dylan Bunch / Bunch Home Loans
NMLS #2283470
Dayton, Ohio
Email: dylan@bunchhomeloans.com
Phone: (937) 901-4946

14. Company Terms & Legal

Bunch Home Loans operates under Cornerstone First Mortgage. For the full company terms, legal disclosures, and licensing information, please visit: Cornerstone First Mortgage Legal & Privacy.