Terms of use

These Terms of Use govern your access to and use of the First Access Lending website, Get Access quote flow, mortgage calculators, forms, document tools, communications, and related online mortgage services.

Effective date: June 29, 2026

Agreement to These Terms

These Terms are a legal agreement between you and East Coast Capital Corp. d/b/a First Access Lending, together with our parent company, affiliates, subsidiaries, and commonly controlled entities where applicable. In these Terms, “we,” “us,” and “our” refer to East Coast Capital Corp. d/b/a First Access Lending. “You” and “your” refer to any person who accesses or uses our services.

By accessing or using our services, you agree to these Terms. If you do not agree, do not use the services.

Our Services

First Access Lending provides online tools that allow consumers to view mortgage quote information and related mortgage product information based on information provided by the consumer, permitted third-party data, available product information, pricing rules, eligibility criteria, and market conditions.

   •      Live or preliminary mortgage rate quotes for HELOC, closed-end second mortgage, refinance, and purchase scenarios

          •         Mortgage product comparisons, loan amount estimates, payment estimates, pricing, fee, point, and credit estimates

          •         Quote scenario tools, calculators, forms, contact verification, OTP verification, and saved or resumed quote sessions

          •         Soft-credit authorization flows, property value review, AVM/property-data tools, title or settlement-related quote tools, and document-request workflows

          •         Mortgage inquiry, prequalification, application, review, loan-officer handoff, CRM/LOS handoff, document portal, and related communications

          •         Educational content and other mortgage-related tools or services

Our services are intended to help you explore potential mortgage options. Unless expressly stated in a separate written agreement, disclosure, or loan document, using our website or webapp does not create a loan approval, loan commitment, locked rate, advisory relationship, agency relationship, fiduciary relationship, or guarantee that any mortgage product will be available to you.

Eligibility

You may use our services only if you are at least 18 years old, located in the United States or a U.S. territory, using the services for a lawful residential mortgage-related purpose, able to enter into a legally binding agreement, and able to comply with these Terms and applicable law.

Our services are not intended for commercial mortgage transactions, business-purpose loans, investment advisory services, legal advice, tax advice, credit repair, or use in any jurisdiction where the services are not authorized. Mortgage products may not be available in all states or for all borrowers, property types, loan amounts, occupancy types, lien positions, credit profiles, income profiles, property-value ranges, or transaction scenarios.

Mortgage Quotes Are Not Final Offers

Rate quotes, payment estimates, product options, fee estimates, point estimates, lender credits, cash-out estimates, and other information displayed through our services may be based on information you provide, third-party data, market conditions, pricing engines, investor guidelines, product rules, assumptions, property information, valuation information, title information, and other inputs.

Unless expressly stated in writing by an authorized mortgage professional, a quote is not a loan approval, loan commitment, locked interest rate, final credit decision, guarantee of pricing, eligibility, approval, closing, proceeds, or terms, and does not obligate us or any lender to make a loan.

Final pricing, approval, rate lock, fees, credits, proceeds, loan terms, and closing are subject to verification, underwriting, credit review, property review, collateral valuation, appraisal or valuation results, title review, lien review, payoff review, investor requirements, applicable law, market conditions, and other factors. Rates, fees, credits, points, payments, proceeds, product availability, and eligibility criteria may change without notice.

Estimated Values and Property Information

Our services may display or use estimated property values, automated valuation information, public records, title-related information, property characteristics, lien information, tax information, insurance estimates, or other property-related data.

Estimated property values and property data are provided for informational and quote-support purposes only. They are not appraisals, broker price opinions, guarantees of value, or final collateral determinations. A mortgage transaction may require additional property review, title review, appraisal, valuation, insurance, settlement, or underwriting review.

You should not rely on estimated property values or property information as a guaranteed statement of value, final loan eligibility determination, appraisal value, sale value, or financial recommendation.

No Legal, Tax, Real Estate, or Financial Advice

Information provided through our services is for general informational and mortgage-shopping purposes. We do not provide legal, tax, investment, appraisal, real estate brokerage, financial planning, or credit repair advice through the webapp. You should consult your own qualified advisors before making decisions based on legal, tax, financial, property, or investment considerations.

Information You Provide

You agree that any information you provide to us will be accurate, current, complete, and not misleading. This may include:

   •      Identity and contact information

          •         Property location, property type, occupancy, unit count, and transaction purpose

          •         Purchase price, estimated property value, mortgage balances, loan amount, down payment, cash-out amount, and payoff preferences

          •         Income, employment, assets, debts, liabilities, credit score or credit profile, and current mortgage details

          •         Mortgage goals, product preferences, loan officer review choices, document-upload answers, and other information relevant to your quote or mortgage inquiry

          •         Information about any co-borrower, spouse, property owner, authorized representative, real estate agent, or other person involved in your requested transaction, if applicable

You are responsible for updating or correcting information if it changes or if you discover that it is inaccurate. We may rely on the information you provide to generate quote results, communicate with you, evaluate product options, support your inquiry, or connect you with mortgage professionals or transaction parties.

You may not submit information about another person unless you have the authority to do so.

Credit, Verification, and Third-Party Information

A preliminary quote may be generated without a hard credit inquiry, depending on the product flow and information requested. We will obtain a credit report, verify income or employment, verify assets, request bank information, or use similar verification services only where permitted by law and, where required, with your authorization.

If you provide employment, income, asset, property, bank, payoff, lien, insurance, title, or other verification-related information and request a service that requires verification, you authorize us and our service providers to use that information to support your requested mortgage inquiry, quote, application, prequalification, underwriting review, rate lock, closing, servicing transfer, or related transaction, subject to applicable law and any additional consents or disclosures presented to you.

Additional terms, authorizations, disclosures, and notices may apply if you proceed with a mortgage prequalification, application, rate lock, underwriting review, credit authorization, document upload, electronic consent, closing, or other transaction step. If a separate credit authorization, electronic consent, loan disclosure, application document, or mortgage agreement conflicts with these Terms, the more specific document will control for the relevant authorization, document, transaction, or service.

Account, Session, and Security Controls

You may need to verify your identity, verify contact information, use an OTP code, or access a saved session to use certain features. You agree to keep access links, codes, credentials, and devices secure; not allow others to use your session; promptly notify us of unauthorized access or suspected misuse; and use reasonable precautions when using a shared or public device.

You are responsible for activity that occurs through your account, session, access link, device, or credentials, except to the extent caused by our failure to comply with applicable law.

We may suspend or restrict access if we believe there is unauthorized use, fraud, security risk, misuse, legal risk, inaccurate information, or violation of these Terms.

Electronic Communications

By using our services, you agree that we may communicate with you electronically, including through the website, webapp, email, text message, phone, chat, account notifications, and other electronic channels. Electronic communications may include:

   •      Quote information, quote updates, rate or payment estimates, next-step instructions, and saved-session notices

          •         Contact verification, OTP messages, document requests, application or transaction updates, and customer support messages

          •         Security, legal, compliance, licensing, privacy, and eConsent notices

          •         Marketing communications where permitted by law and subject to your opt-out rights

Loan disclosures, electronic signatures, consent to electronic records, credit authorizations, and mortgage application documents may be subject to separate electronic communications disclosures and consents. If a separate disclosure or consent conflicts with these Terms, the separate disclosure or consent will control for that specific transaction or document.

Calls and Text Messages

If you provide a phone number, you agree that we may contact you at that number about your quote request, mortgage inquiry, account, application, transaction, or related services, subject to applicable law and any consent language presented at the point of collection.

If you consent to receive text messages from us, message frequency may vary, message and data rates may apply, your carrier may charge you, carriers are not responsible for delayed or undelivered messages, you may opt out by replying STOP, and you may request help by replying HELP. Consent to marketing text messages is not required as a condition of obtaining any product or service.

We do not share, sell, rent, or transfer SMS opt-in data, text-message consent, or information collected solely through our SMS program with third parties for their marketing or promotional purposes.

Permitted and Prohibited Use

We grant you a limited, revocable, non-exclusive, non-transferable right to access and use our services for your personal, non-commercial residential mortgage-shopping purposes. You may print or download information from the services solely for your personal use in evaluating mortgage options.

You agree not to use our services to:

   •      Violate any law, regulation, or third-party right

          •         Submit false, misleading, fraudulent, unauthorized, or incomplete information

          •         Impersonate another person or submit information about another person without proper authorization

          •         Access another person’s account, quote, application, credit information, or documents without permission

          •         Interfere with the security or operation of the services

          •         Use bots, crawlers, scrapers, automated tools, or similar technologies without our written permission

          •         Harvest, aggregate, benchmark, resell, or redistribute rate, pricing, product, or investor-guideline information

          •         Attempt to reverse engineer pricing logic, product rules, source code, systems, models, or algorithms

          •         Introduce viruses, malware, harmful code, or disruptive technology

          •         Overload, disable, damage, impair, or circumvent the services, access controls, usage limits, OTP controls, session controls, or security controls

          •         Use the services for competitive intelligence, commercial data extraction, discriminatory, predatory, abusive, or unlawful lending-related activity

          •         Encourage or assist anyone else in doing any of the above

We may investigate and take action against any use that we believe violates these Terms or creates legal, operational, reputational, compliance, fraud, or security risk.

Third-Party Services and Links

Our services may include links to, integrations with, or information from third-party websites, platforms, vendors, data providers, lenders, credit bureaus, verification providers, settlement providers, title providers, insurance providers, appraisal providers, or other transaction parties. We do not control third-party websites or services. Third-party terms, privacy policies, fees, eligibility rules, underwriting criteria, product requirements, and data practices may apply.

Affiliated Companies and Separate Legal Entities

We may work with our parent company, affiliates, subsidiaries, commonly controlled entities, and related service providers to operate the webapp and provide mortgage-related services. Each affiliated company is a separate legal entity unless expressly stated otherwise. Products and services may be offered only by properly licensed entities and individuals, where licensing is required.

Separate affiliated business disclosures, mortgage disclosures, privacy notices, state disclosures, licensing disclosures, loan documents, or service-specific terms may apply.

Licensing and Availability

Mortgage products and services are available only where authorized and only through properly licensed entities and individuals, where licensing is required. Nothing on the website is an offer, solicitation, or commitment to provide a mortgage product or service in any jurisdiction where doing so would be unlawful.

Review our licensing disclosures at Licensing & State Disclosures.

East Coast Capital Corp. NMLS ID #1403 | First Access Lending Branch NMLS ID #2636960. Equal Housing Lender.

Intellectual Property and Feedback

The services, website, webapp, software, interfaces, designs, text, graphics, logos, icons, images, content, data compilations, workflows, pricing displays, and other materials are owned by us, our affiliates, our licensors, or our service providers and are protected by intellectual property and other laws.

You may not use our name, trademarks, logos, trade names, service marks, domain names, or branding without our prior written consent. If you submit ideas, suggestions, comments, improvements, or feedback, you agree that we may use that feedback without restriction or compensation to you.

User Content and Submissions

You retain ownership of information and materials you submit to us. By submitting information, documents, messages, or other content through the services, you grant us and our affiliates, service providers, vendors, and transaction parties the right to use, process, transmit, store, copy, display, and modify that content as reasonably necessary to provide the services, generate quotes, respond to your inquiry, support your mortgage request, verify information, communicate with you, operate and improve our systems, comply with law, prevent fraud, and enforce these Terms.

We will handle personal information in accordance with our Privacy Policy.

Privacy

Your use of the services is also governed by our Privacy Policy. The Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.

If there is a conflict between these Terms and the Privacy Policy regarding our processing of personal information, the Privacy Policy will control for that issue. If there is a conflict between these Terms and a mortgage disclosure, credit authorization, electronic consent, loan document, privacy notice, service-specific agreement, or transaction-specific agreement, the more specific document will control for that specific service, authorization, document, or transaction.

Service Availability and Changes

We may update, modify, suspend, limit, or discontinue any part of the services at any time. We do not guarantee that the services will be uninterrupted, error-free, secure, current, or available at all times. The services may be unavailable due to maintenance, updates, system failures, internet disruptions, vendor issues, security events, unusual traffic, market-data delays, pricing-engine delays, third-party-data issues, or other causes.

We are not responsible for delays, errors, interruptions, inaccurate results, stale pricing, or unavailability caused by factors outside our reasonable control, including your device, browser, internet connection, service provider, carrier, email provider, third-party systems, third-party data, or market-data availability.

Disclaimer of Warranties

The services and all content, tools, quotes, estimates, and information are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, timeliness, availability, merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that quote results will be accurate, final, or available; that any mortgage product will be available to you; that any rate, fee, payment, or term will be honored unless separately locked or confirmed in writing; or that the services will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, we and our parent company, affiliates, subsidiaries, officers, directors, employees, agents, service providers, licensors, and partners will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including lost profits, lost data, loss of goodwill, business interruption, or cost of substitute services, arising out of or related to your use of or inability to use the services.

To the fullest extent permitted by law, our total liability for any claim arising out of or related to the services or these Terms will not exceed the greater of the amount you paid us, if any, to use the services during the three months before the claim arose, or $100. Nothing in these Terms limits liability that cannot be limited under applicable law.

Indemnification, Suspension, and Termination

You agree to defend, indemnify, and hold harmless us and our parent company, affiliates, subsidiaries, officers, directors, employees, agents, service providers, licensors, and partners from claims, damages, losses, liabilities, costs, and expenses arising out of or related to your use of the services, violation of these Terms, violation of applicable law, information or content you submit, fraud, misrepresentation, misuse, or unauthorized use of another person’s information.

We may suspend, restrict, or terminate access at any time if we believe your use creates fraud, security, legal, compliance, operational, or reputational risk, or if required by law or a regulator. Termination of access does not affect any mortgage application, loan document, consent, authorization, disclosure, transaction document, or other agreement that separately applies.

Dispute Resolution

Before filing a claim, you agree to first contact us at info@firstaccesslending.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute in good faith.

Unless a separate written agreement provides otherwise, any dispute arising out of or relating to these Terms or your use of the services will be governed by the laws of the State of New York, without regard to conflict-of-law rules. You agree that any lawsuit or court proceeding will be brought only in state or federal courts located in New York, and you consent to the personal jurisdiction and venue of those courts.

To the fullest extent permitted by law, you and we each waive the right to a jury trial and agree that disputes will be brought only on an individual basis and not as a class, consolidated, representative, collective, or private attorney general action.

Changes, Additional Terms, and Miscellaneous

We may update these Terms from time to time. Changes are effective when posted unless we state otherwise or applicable law requires a different process. Your continued use of the services after updated Terms become effective means you accept the updated Terms.

Some services, features, applications, loan products, communications, promotions, or transactions may be subject to additional terms, disclosures, consents, authorizations, or agreements. If additional terms apply, they will control for the specific service, feature, application, product, communication, promotion, or transaction to which they apply.

These Terms, together with the Privacy Policy and any additional terms incorporated by reference, are the entire agreement between you and us regarding your use of the services. If any provision is found unenforceable, the remaining provisions will remain in effect.

Contact Us

For questions about these Terms, contact us at:

First Access Lending

Attention: Legal Department

Email: info@firstaccesslending.com

Phone: 1-888-885-7789

Mailing address: 400 Pratt Street, 8th Floor, Baltimore, MD 21202

Website: firstaccesslending.com

East Coast Capital Corp.

NMLS: #1403

Phone: 877-781-7788

Phone: 516-753-6160

Mailing address: 2 Corporate Center Drive, Suite 110, Melville, NY 11747