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Terms of Use
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PennWest Home Equity Services Corp. (PennWest) provides
this site and related services subject to your
compliance with the terms and conditions set forth
below.
Please read these terms and conditions carefully. By
accessing this site and any pages thereof, you agree to
be bound by the terms and conditions below WHETHER OR
NOT YOU COMPLETE A TRANSACTION WITH PENNWEST AND WHETHER
OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEB SITE OR
THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL,
FACSIMILE OR OTHERWISE. If you do not agree to the terms
and conditions below, do not access this site or any
pages thereof. You are responsible for regularly
reviewing these terms and conditions. Your continued use
of this Website following any modifications, changes, or
alterations shall constitute your acceptance of such
modifications, changes, or alterations.
*This is a secure web server. Unauthorized access or use
is not permitted and constitutes a crime punishable by
law.
This Website could include technical inaccuracies or
typographical errors. Changes may be made at any time to
the information herein without notice.
USE OF INFORMATION AND MATERIALS
Any person is hereby authorized to view the information
available from this Website for informational purposes
only. The information, materials and other content on
this Website may not be modified, copied, reproduced,
republished, uploaded, downloaded, posted, transmitted,
publicly displayed, used to created a derivative work,
sold, or otherwise used for public or commercial
purposes without the express written consent of PennWest
Home Equity Services Corp., which may be withheld in its
sole discretion. No solicitation is made by PennWest
Home Equity Services Corp. to any person to use any
information, products, services, or materials in a
jurisdiction where such information, products, services,
or materials is prohibited by law.
The information and materials contained in these pages
and the terms, conditions, and descriptions that appear
are subject to change. Your eligibility for particular
products and services is subject to final PennWest Home
Equity Services Corp. determination and acceptance.
COPYRIGHTS AND OTHER INTELLECTUAL PROPERTY
Contents of this Website, including the information
displayed in the pages, graphics, icons and overall
appearance of the Website, are owned by PennWest Home
Equity Services Corp. and/or its subsidiaries or
affiliates unless otherwise indicated.
LINKS TO OTHER WEBSITES
Hyperlinks to other Internet resources are at your own
risk; the content, accuracy, opinions expressed, and
other links provided by these resources are not
investigated, verified, monitored, or endorsed by
PennWest Home Equity Services Corp. PennWest Home Equity
Services Corp. does not warrant linked sites for any
purpose. These sites may not adhere to the same privacy
standards or policies as PennWest Home Equity Services
Corp. We advised you to review the privacy policies as
posted on specific websites. Further, the inclusion of a
link to another site does not constitute an endorsement
by PennWest of the site, its owner(s) or any products or
services advertised on the linked site.
SUBMISSIONS
All information submitted to PennWest Home Equity
Services Corp. via this Website, including emails, shall
be deemed and remain the property of PennWest Home
Equity Services Corp. and PennWest Home Equity Services
Corp. shall be free to use, for any purpose, any idea,
concepts, know-how or techniques contained in
information you provide PennWest Home Equity Services
Corp. through this Website. PennWest Home Equity
Services Corp. shall not be subject to any obligations
of confidentiality regarding submitted information
except as specifically agreed or required by law. Please
do not use email to send us communications which contain
confidential information, which we require to be in
writing, or that need our immediate attention. Email
transmissions are not sent in a secure form and can be
intercepted by third parties and may not be immediately
received by the appropriate person at PennWest Home
Equity Services Corp. Please call 1-800-446-7240 or
write us instead at this address: PennWest Home Equity
Services Corp., 551 Main Street, Johnstown, PA 15901,
ATTN: Compliance Department. Nothing contained herein
shall be construed as limiting or reducing PennWest Home
Equity Services Corps’ responsibilities and obligations
to customers in accordance with our privacy policy.
PERMISSION TO BE CONTACTED
By submitting information to PennWest Home Equity
Services Corp. through this Web site or otherwise you
are making an inquiry as to lending programs and
services offered by PennWest Home Equity Services Corp.
and give PennWest Home Equity Services Corp. permission
to contact through e-mail, fax, or telephone, or any
means, even if your phone number is on a "Do Not Call"
list.
INFORMATION SUBMITTED FOR CONSIDERATION OF LOAN
You verify that all of the information you have provided
in the prequalification request is true and complete.
You authorize PennWest Home Equity Services Corp ("we",
"us" or "our") to check your credit (including ordering
a consumer credit bureau report) and employment history,
to answer questions regarding your credit history with
us, and provide that information to credit bureaus and
to return our decision to you via telephone, facsimile,
mail or internet, at our option. You understand that the
providers and we may keep this information, whether or
not you pre-qualify for a loan. You acknowledge that
this is NOT an application for credit. YOU UNDERSTAND
THAT YOU WILL HAVE TO COMPLETE AN APPLICATION WITH US
AND FULFILL ALL OF THE REQUIREMENTS OF THE APPLICATION
BEFORE WE WILL CONSIDER THAT AN APPLICATION HAS BEEN
MADE TO US AND BEFORE WE WILL EXTEND TO YOU A LOAN
OFFER.
The interest rate quoted in connection with the loan you
select is subject to change without notice unless and
until an application as described above has been
submitted and accepted by us and we have informed you of
approval of your loan request, and, as applicable, an
interest rate lock-in agreement has been made between
you and us. If you enter a lock-in agreement with us and
are required to pay a lock-in fee, the terms and
conditions under which the lock-in fee may be refunded,
if any, will be set by us in the agreement.
LIMITATION OF WARRANTIES
The information and materials contained in this site,
including, without limitation, text, graphics, links or
other items, are provided "as is", "as available".
PennWest Home Equity Services Corp. does not warrant the
accuracy, adequacy or completeness of this information
and materials and expressly disclaims liability for
errors or omissions in this information and materials.
No warranty of any kind, implied, express or statutory,
including, but not limited to, the warranties on
non-infringement of third party rights, title,
merchantability, fitness for a particular purpose, and
freedom from computer virus, is given in conjunction
with the information and materials. References to
corporations, their services and products, are provided
“as is” without warranty of any kind, either expressed
or implied.
LIMITATION OF LIABILITY
In no event will PennWest Home Equity Services Corp. be
liable for any damages, including, without limitation,
direct or indirect, special, incidental, consequential
damages, losses or expenses arising in conjunction with
this Website or use thereof or inability to use by any
party, or in conjunction with any failure of
performance, error, omission, interruption, defect,
delay in operation or transmission, computer virus, or
line or system failure, even if, PennWest Home Equity
Services Corp. or representatives thereof, are advised
of the possibility of such damages, losses or expenses.
GOVERNING LAW
These Terms of Use shall be governed by and construed in
accordance with the laws of the Commonwealth of
Pennsylvania, without regard to the conflict of laws
thereof, and to the laws of the United States.
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| PennWest
Home Equity Services Corp |
Privacy
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Terms of Use |
Licenses and Notices
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Do not Call Policy
| Best
Practices |
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 PennWest
Home Equity Services Corp. is licensed by the
Pennsylvania Department of Banking and is an Equal
Housing Lender. We provide home loans as a residential
mortgage lender in 11 states through out the United
States. We strive to provide our customers with
exceptional service experiences and an easy mortgage
process along with low mortgage rates.
**Refinancing, taking out a home equity loan or debt
consolidation may increase the total number of monthly
payments and the total amount paid when compared to your
current situation possibly resulting in higher overall
costs. By refinancing your existing loan, the total
finance charges may be higher over the life of the loan.
* Zero Lender Fees program applies to owner occupied
residential 1st mortgages secured by a lien against your
property. Minimum loan amount is $125,000.00. Offer is
subject to underwriting approval. Not all applicants
will be approved. Full documentation & property
insurance required. Terms, conditions and restrictions
apply. Some up front fees apply that are credited back
at funding.
*Third party fees apply. Borrower is responsible for new
loan interest costs, outstanding property liens, taxes,
insurance, appraisal, association fees, title insurance,
private mortgage insurance, certifications, settlement
fees, and any elected loan discount points.
Some products may not be available in all states. This
is not a commitment to lend. Restrictions apply.
Copyright © PennWest Home Equity Services Corp 2008. All
rights reserved.
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