This site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site are provided with the understanding that BKCO Mortgage, LLC, is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and notices that may appear throughout the Site.
BKCO Mortgage, LLC and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based upon the information, services or other material on this Site. BKCO Mortgage, LLC strives to keep the information on this Site accurate, complete and up-to-date; yet does not guarantee that is the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower's situation is unique to every situation and your situation needs to be individually analyzed. BKCO Mortgage, LLC and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information presented or its application in your situation.
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PRIVACY AND SECURITY
For information on how BKCO Mortgage, LLC uses and protects the personal information that you may provide through this website, please visit: http://www.BKCOmortgage.com/privacy-policy
BKCO Mortgage, LLC Site may make use of "cookie" technology to measure site activity and to customize information to your personal tastes. A cookie is an element of data that a website can send to your browser, which may then store the cookie on your hard drive. BKCO Mortgage, LLC may use stored cookies for certain aspects of the Site. The goal of this technology is to better serve you when visiting our Site, save you time when you are here and to provide you with a more productive experience. You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you may not be able to access certain elements of the Site. So, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of Internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to browser providers for more specific information, including how to use these tools.
You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage related business with BKCO Mortgage, LLC as a bona fide client of BKCO Mortgage, LLC; you may not use or attempt to use this website or any part of this site for any purpose:
that interferes with or induces a breach of the contractual relationships between BKCO Mortgage, LLC and its employees,
that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited email or commercial communications,
that transmits any harmful or disabling computer codes or viruses,
that harvests email addresses from this site,
that transmits unsolicited email to this site or to anyone whose email address included the domain name under on this website,
that interferes with BKCO Mortgage, LLC’s network services;
that attempts to gain unauthorized access to our network services,
that suggests an express or implied affiliation with BKCO Mortgage, LLC or a broker relationship with BKCO Mortgage, LLC (without the express written permission of BKCO Mortgage, LLC),
that impairs or limits BKCO Mortgage, LLC’s ability to operate the Site or any other person's ability to access and use the Site, and/or
that uses any methods, means or devices to click on to the Site or for the purpose of manipulating the results of any Internet search engine, or for any purpose other than conducting mortgage related business with BKCO Mortgage, LLC
that unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity;
that harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
that transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images;
that harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities;
that dilutes or depreciates the name and reputation of BKCO Mortgage, LLC or any of its affiliates;
that transmits or uploads any content or images that infringes any third party's intellectual property rights or infringes any third party's right of privacy; or
that unlawfully transmits or uploads any confidential, proprietary or trade secret information.
PERSONAL AND NON COMMERCIAL USE LIMITATION
You may access, download and print materials on this Site solely for your personal and non-commercial use.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of this Site, you warrant to BKCO Mortgage, LLC, that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.
You are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by BKCO Mortgage, LLC, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. E except with the written permission of BKCO Mortgage, LLC, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate police agencies.
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by BKCO Mortgage, LLC. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of BKCO Mortgage, LLC. All rights reserved. BKCO Mortgage, LLC may have federally registered U.S. trademarks, along with other trademarked names and logos, on this Site ("Marks"). You agree not to display or use, in any manner, the Marks without the prior written permission of BKCO Mortgage, LLC.
All content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel", and the operation of this website (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and all rights associated with the Web Page Content are owned by or licensed to BKCO Mortgage, LLC, its licensors, or content providers. Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content.
You may not use Web Page Content, domain names (in whole or in part), or email addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, email addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website: • in or as any meta-tag or hidden text; in or as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as BKCO Mortgage, LLC’s Site or controls the content of any other Internet browser window.
BKCO Mortgage, LLC is committed to protecting copyrights and users of the Site must also protect BKCO Mortgage, LLC's copyrights. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on the Site infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe that any material on the Site infringes a copyright, or any valid intellectual property right, please provide the following information to BKCO Mortgage, LLC.
A physical or electronic signature that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Site are intended to be covered by a single notification, a complete list of such works and details or descriptions as to their locations within the Site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Please provide this information to BKCO Mortgage, LLC:
By Mail: BKCO Mortgage, LLC
4 Hutton Centre Drive, 10th Floor
Santa Ana, CA 92707
Attn: Chief Legal Officer
By E mail: LegalDepartment@stearns.com
Due to technology concerns, attachments cannot be accepted on notices sent via e-mail. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.
LINKS TO THIRD PARTY SITES
During your use of the Site or at any time in the process, you may be led to other websites operated by unaffiliated parties. Inclusion of hyperlinks by BKCO Mortgage, LLC to third party websites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. BKCO Mortgage, LLC is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. BKCO Mortgage, LLC is not responsible for the use of the information that you give any third parties.
You use this Site at your own risk. If your use of this Site or the materials therein, and it results in costs accrued, damages to you, your computer, your property, requires maintenance, requires software downloads, the need for servicing or replacing property, equipment or data, BKCO Mortgage, LLC will not be responsible for those costs.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. BKCO Mortgage, LLC, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. YOU AGREE THAT IN NO EVENT SHALL BKCO Mortgage, LLC, ITS AFFILIATES, THIRD PARTY PROVIDERS, AND/OR ITS SUPPLIERS BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS SITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS SITE. YOU AGREE THAT BKCO Mortgage, LLC SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR BKCO Mortgage, LLC Page 6 of 12 http://www.BKCOmortgage.com/terms-of-use 05/01/2019 CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL BKCO Mortgage, LLC TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS SITE OF WEB PAGE CONTENT THEREON. AS TO THE OPERATION OF THIS SITE, BKCO Mortgage, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BKCO Mortgage, LLC MAKES NO REPRESENTATION OR WARRANTY THAT a) THE OPERATION OF THIS SITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS, b) ACCESS TO THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS, OR c) ANY DEFECTS IN THIS SITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT BKCO Mortgage, LLC, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS SITE. BKCO Mortgage, LLC MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING TECHNOLOGICAL SUPPORT OR SERVICES PROVIDED BY THIRD PARTIES i.e., SOFTWARE, HARDWARE, CONNECTIVITY, ETC. ALL SUCH THIRD PARTY SERVICES ARE PROVIDED ON AN AS IS BASIS, WITHOUT WARRANTY OF ANY KIND, AND SUBJECT TO THE LIMITATIONS HEREIN.
You agree to indemnify, defend and hold harmless BKCO Mortgage, LLC, its affiliates and suppliers from any liability, loss, claim and expenses, including attorney’s reasonable fees, related to your violation of this Agreement.
COMMUNICATIONS WITH COMPANY
Time Sensitive Instructions When communicating with us through this Site, chat or via email, do not use the Site, chat or email to communicate any time sensitive instructions that are in any way related to or affect your loan, loan application or closing, such as interest rates locks, cancellation of a closing, rescissions, or the like. Such instructions may not be honored. All transactions conducted on this Site, PC or via email, must be confirmed in writing by us to be accepted by and binding upon us. Loan Approvals All loan approvals, pre- qualifications, pre- approvals, rate locks, deposit and refund agreements, and the like, are only made by BKCO Mortgage, LLC in writing. Approvals, pre-qualifications and pre- approvals are conditional in accordance with their terms except as be specifically provided for in writing signed by BKCO Mortgage, LLC.
Credit Reports By applying for credit, you are authorizing BKCO Mortgage, LLC to obtain a copy of your credit report. As a result, a "hard" inquiry may appear on your credit report. A hard inquiry may negatively affect your credit score. E-Signature: Your assent to a "click to accept" button or bot is binding upon you. However, general communications through this Site, chat or via email are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. BKCO Mortgage, LLC may use third party providers in order to facilitate e- signatures, and consents for same will be provided. Recorded monitoring of Communications: Your communications with BKCO Mortgage, LLC via the Site, chat, email, mobile app, and telephone calls and/or tests may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.
CHANGES TO AGREEMENT
BKCO Mortgage, LLC may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
ACCESS TO THIS SITE
BKCO Mortgage, LLC reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Site.
CONTACT METHODS AND OPT-OUT
By submitting your contact request for a loan product, you are consenting to be contacted by one or more affiliates, by telephone, on a recorded line, automated calling, pre-recorded calling, text message, email, fax, telephone or any means, even if you have opted in to the National Do Not Call List, any state equivalent Do Not Call List or the internal Do Not Call List of any company. You understand that the affiliates may maintain the information you submitted to us even if you decide not to use their services. In the event you no longer want to receive communications from an affiliate, you agree to notify the affiliate directly. You can opt out of various contact methods here: crelations@BKCOmortgage.com or call the customer relations line listed on this site.
USER IDs AND PASSWORDS
Certain areas or features of this Site may be restricted to users who have obtained a user identification and password by completing a registration process described on this Site. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this Site. You agree to notify BKCO Mortgage, LLC immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this Site by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this Site that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.
AGREEMENT TO PROVIDE ACCURATE INFORMATION
In making a loan inquiry, application or in entering into any other transaction or request for information on this Site, you agree to provide accurate, true, current, and complete information upon which BKCO Mortgage, LLC may rely.
YOUR COOPERATION NEEDED
BKCO Mortgage, LLC generally begins processing your application which may include ordering an appraisal, credit report, title commitment and other necessary items upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process including submitting all required documentation in a timely manner and if needed, to obtain information BKCO Mortgage, LLC may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify BKCO Mortgage, LLC of any changes in any information submitted in connection with your application.
While BKCO Mortgage, LLC will use commercially reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date if any and/or anticipated closing date, some processes are not under our control. For instance, BKCO Mortgage, LLC cannot be responsible for delays in loan approval or closing due to the untimely receipt of an acceptable appraisal, the untimely receipt of required documentation, your home not selling, matters disclosed by a title commitment or survey any other matters beyond BKCO Mortgage, LLC’s reasonable control.
DEPOSIT / REFUND POLICY
When you submit a loan application, BKCO Mortgage, LLC will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process including submitting all required documentation in a timely manner, choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of BKCO Mortgage, LLC’ s third party costs. Please review your deposit agreement for details specific to your loan application.
DISCLOSURES AND LICENSES
For disclosures and licensing information please visit http://www.nmlsconsumeraccess.org/
YOUR CALIFORNIA PRIVACY RIGHTS
California Civil Code permits our visitors who are California residents to request certain information regarding the disclosure of personal information to third parties for direct marketing purposes. BKCO Mortgage, LLC does not disclose your information to any third parties for direct marketing purposes.
EQUAL OPPORTUNITY EMPLOYER
BKCO Mortgage, LLC is an equal opportunity employer. Any complaints or concerns about the Company’s employment practices may be directed to the Customer Relations Resources at
USE WITHIN THE UNITED STATES
This Site is intended to be accessed by persons located within the United States of America. Access and use of this Site by persons from locations other than the United States is prohibited.
IDENTITY AND LOCATION VERIFICATION
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, we will ask for your name, street address, mailing address, date of birth, and other information that will allow BKCO Mortgage, LLC to identify you. We may also collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you. You acknowledge that by clicking on any service or product and continuing with the application process, you understand and consent to BKCO Mortgage, LLC and a third party service provider and/or mobile phone carrier to use geolocation services to verify the location of your mobile device.
Failure by BKCO Mortgage, LLC to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between BKCO Mortgage, LLC, and you related to this Agreement shall be brought exclusively in federal district court.
BKCO Mortgage, LLC is a Delaware Limited Liability Company headquartered in Washington at 2211 Rimland Drive, Suite 222, Bellingham, WA 98226. Licensed by the Department of Financial Institutions as a Washington Consumer Loan Company. NMLS ID# 1830969 (www.nmlsconsumeraccess.org) © BKCO Mortgage. All Rights Reserved. BKCO Mortgage, LLC offers many loan products. This is not a commitment to lend. Program restrictions apply. BKCO Mortgage, LLC policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.