Terms Of Use

Effective Date: May 2021

This Website (“Home Backer USA”) is under sponsorship MCK Lending Group, LLC. These Terms of Use explain how we conduct our business with you and govern your use of the Website. Please read them carefully. By using the Website, you are bound by these Terms of Use. If you do not agree, please immediately discontinue using the Website.

Whenever we say “you” or “your,” that means you as a visitor to the Website. By saying “HomeBackerUSA”, “we”, “us” or “our”, we mean MCK Lending Group, LLC.

  1. Using the Website

While on the Website, you may be asked for certain financial and other information about you and your property. This information is used as part of the criteria for evaluating eligibility. Please note that we are not an investment advisor or financial planner. 

You may not use this Website if you are under 18 years of age. By using the Website you represent and covenant to us that: (a) all information you provide is accurate and complete; and (b) you are not misrepresenting your identity or any information related to your current financial accounts.

To the extent permitted by law, products and services described on the Website may be discontinued or changed. In our sole discretion, we may restrict your use of the Website.

You shall obey all applicable federal, state, and local laws, regulations and rules when using the Website. We reserve the right to terminate any account with respect to the Website and to prevent your use of the Website if such account is used to engage in illegal activity or in violation of these Terms of Use.

  1. Privacy

Protection of your personal information is important to us. Your information is never sold or shared for any purpose other than providing relevant information to our partners as it pertains to your application. The Privacy Policy is incorporated into these Terms of Use by reference.

  1. Website Content

Although we try to provide accurate and timely information on the Website, there may be inadvertent, technical, or factual inaccuracies and typographical errors. For these reasons, we cannot warrant the accuracy, completeness, or timeliness of the information, text, graphics, links or other items on the Website.

The Website’s content, including but not limited to all images, icons, text, software, logos, expressions and ideas are protected by copyright, trademark and other intellectual property laws. You shall not post on or transmit to or from the Website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral, or profane material, or any other content that could provide incentive to employ any civil or criminal liability. The Website content is provided “as is” and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of credit worthiness and fitness for a specific purpose.

  1. Accessing the Website via a Mobile Device

If you access the Website via a mobile device (such as a smartphone or tablet), in addition to all other requirements, you shall ensure that you have software on your mobile device that allows you to print and save any disclosures presented to you. If you do not have these capabilities on your mobile device, please access the Website through a device that provides such capabilities.

  1. Limitation of Liability and Indemnity

We shall not be liable for any direct or indirect, special, incidental, or consequential damages, losses or expenses that may arise in connection with: (a) your use of the Website, or from your use of, or inability to use, this Website or any information provided on the Website; (b) any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure; or (c) the disclosure of information when replying to you by email or other electronic means or receiving emails from you. This limitation shall apply even if we have been advised of the possibility of such damages, losses, or expenses.

You shall indemnify, defend and hold us harmless from and against all claims, losses, expenses, demands, or liabilities, including reasonable attorneys’ fees and costs, incurred by us about any claim by a third party (including any intellectual property claim) arising out of your use of the Website in violation of these Terms of Use or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

  1. Miscellaneous

If any portion of these Terms of Use changes due to applicable law or is declared invalid by order of a court, the remaining portions shall not be affected, and these Terms of Use will be interpreted as to best effectuate their intent. No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right we may possess.

You acknowledge that we may from time to time amend all or any part of these Terms of Use and/or change the features or functionality of the Website. Your use of the Website after the effective date of any such changes shall constitute your agreement to be bound by the terms of such changes. We encourage you to review these Terms of Use periodically for any changes.

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Don't Settle for Less

You deserve skilled, mortgage professionals who will give you their best, every time!

Checking eligibility will not affect your credit score.

Completing the questionnaire will assess your home loan eligibility, allow you to review estimated offers if eligible, and will not impact your credit score. If you accept a proposal, a one-time credit inquiry will be required which may impact your credit score

Our Happy Clients

What people say?

"Very Happy"
5/5
Ron treated us like we were his only clients. He was on top of everything and got back to us within minutes of our when we had questions.
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Peggy Bono
"Gets The Job Done"
5/5
Ron Hibbs went out of his several times to take care of my needs, he gets the job done !!!
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Paul Reese
"Great experience"
5/5
Ron was excellent through the process. Kept us updated often through the process and got us a great rate.
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John McIntyre