harpsubstitute.com
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2606:4700:3037::6815:548c
Public Scan
Submitted URL: https://u17038284.ct.sendgrid.net/ls/click?upn=HBY-2BcUt2r-2B1NvNaSMA83jLSbpjLy3YL6aZvfKGQ6zF1sn4Kc0hLBmPkSbTCQKGYqCK81_pN2X-2FtrF...
Effective URL: https://harpsubstitute.com/?publisher_id=1190&subid=64upg4u3y3v3
Submission: On June 09 via manual from US — Scanned from DE
Effective URL: https://harpsubstitute.com/?publisher_id=1190&subid=64upg4u3y3v3
Submission: On June 09 via manual from US — Scanned from DE
Form analysis 2 forms found in the DOM
Name: myForm — POST
<form method="post" id="qcontact" name="myForm" ng-submit="submit()" class="ng-pristine ng-valid">
<div class="rhino-container rhino-controls-prev-next rhino-show-controls rhino-show-bullets" style="position: relative; inset: auto; margin: 0px; width: 1140px; height: 714px;">
<ul id="steps" style="width: 100%; height: 100%; top: auto; left: auto; position: relative; overflow: hidden;">
<li class="rhino-item rhino-active rhino-firstItem" id="rhino-item0" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 1; opacity: 1; overflow: hidden;">
<div class="unbox">
<h1 class="header-message"><strong><span id="header-state-text">Hesse </span>UPDATE: <span id="date">Jun 09, 2022</span></strong></h1>
<h2 style="text-transform: uppercase;"><strong>Potentially Save up to $3,252 ($271 per month) off your mortgage - Check if you qualify for refinance offers.*</strong></h2>
<p class="message-text-1" style="font-size: 18px;">Take 60 Second Quiz to Calculate Savings - Choose Home Type Below to Get Started!</p>
</div>
<div class="step">
<a href="#" class="property" ng-click="home_type_select('Single Family')">
<span class="step-property-type">Single Family</span>
<img class="imgprop selected step-property-type" src="images/single-family.png" alt="">
</a>
<a href="#" class="property" ng-click="home_type_select('Multi-Family Dwelling Unit')">
<span class="step-property-type">Multi-Family Home</span>
<img class="imgprop step-property-type" src="images/multi-family.png" alt="">
</a>
<a href="#" class="property" ng-click="home_type_select('Condominium')">
<span class="step-property-type">Condominium</span>
<img class="imgprop step-property-type" src="images/condo.png" alt="">
</a>
<a href="#" class="property" ng-click="home_type_select('Mobile Home')">
<span class="step-property-type">Mobile Home</span>
<img class="imgprop step-property-type" src="images/mobile-home.png" alt="">
</a>
<button type="button" id="step1-continue" class="deal-pack step-property-type" onclick="return property_type();">
<span class="step-property-type">CONTINUE</span> <span class="glyphicon glyphicon-arrow-right" aria-hidden="true"></span>
</button>
</div>
</li>
<li class="rhino-item" id="rhino-item1" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Credit Score</h2>
</div>
<div class="step">
<a href="#" class="credit" ng-click="credit_status('Excellent')">
<span class="step-credit-rating">Excellent</span>
<img class="imgcredit step-credit-rating" src="images/credit1_sls.png" alt="">
</a>
<a href="#" class="credit" ng-click="credit_status('Good')">
<span class="step-credit-rating">Good</span>
<img class="imgcredit selected step-credit-rating" src="images/credit2_sls.png" alt="">
</a>
<a href="#" class="credit" ng-click="credit_status('Fair')">
<span class="step-credit-rating">Fair</span>
<img class="imgcredit step-credit-rating" src="images/credit3_sls.png" alt="">
</a>
<a href="#" class="credit" ng-click="credit_status('Poor')">
<span class="step-credit-rating">Poor</span>
<img class="imgcredit step-credit-rating" src="images/credit4_sls.png" alt="">
</a>
<button type="button" class="deal-pack step-credit-rating" id="step2-continue" onclick="return credit_score();">
<span class="step-credit-rating">CONTINUE</span> <span class="glyphicon glyphicon-arrow-right" aria-hidden="true"></span>
</button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item2" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Property Value</h2>
</div>
<div class="step">
<select class="select ng-pristine ng-valid" name="property" ng-model="data.field_2">
<option value="-1">Please Select Property Value</option>
<option value="90000">$75,000 - $90,000</option>
<option value="105000">$90,001 - $105,000</option>
<option value="120000">$105,001 - $120,000</option>
<option value="135000">$120,001 - $135,000</option>
<option value="150000">$135,001 - $150,000</option>
<option value="165000">$150,001 - $165,000</option>
<option value="180000">$165,001 - $180,000</option>
<option value="195000">$180,001 - $195,000</option>
<option value="210000">$195,001 - $210,000</option>
<option value="225000">$210,001 - $225,000</option>
<option value="240000">$225,001 - $240,000</option>
<option value="255000">$240,001 - $255,000</option>
<option value="270000">$255,001 - $270,000</option>
<option value="285000">$270,001 - $285,000</option>
<option value="300000">$285,001 - $300,000</option>
<option value="315000">$300,001 - $315,000</option>
<option value="330000">$315,001 - $330,000</option>
<option value="345000">$330,001 - $345,000</option>
<option value="360000">$345,001 - $360,000</option>
<option value="375000">$360,001 - $375,000</option>
<option value="390000">$375,001 - $390,000</option>
<option value="405000">$390,001 - $405,000</option>
<option value="420000">$405,001 - $420,000</option>
<option value="435000">$420,001 - $435,000</option>
<option value="450000">$435,001 - $450,000</option>
<option value="465000">$450,001 - $465,000</option>
<option value="480000">$465,001 - $480,000</option>
<option value="495000">$480,001 - $495,000</option>
<option value="510000">$495,001 - $510,000</option>
<option value="525000">$510,001 - $525,000</option>
<option value="540000">$525,001 - $540,000</option>
<option value="555000">$540,001 - $555,000</option>
<option value="570000">$555,001 - $570,000</option>
<option value="585000">$570,001 - $585,000</option>
<option value="600000">$585,001 - $600,000</option>
<option value="615000">$600,001 - $615,000</option>
<option value="630000">$615,001 - $630,000</option>
<option value="645000">$630,001 - $645,000</option>
<option value="660000">$645,001 - $660,000</option>
<option value="675000">$660,001 - $675,000</option>
<option value="690000">$675,001 - $690,000</option>
<option value="705000">$690,001 - $705,000</option>
<option value="720000">$705,001 - $720,000</option>
<option value="735000">$720,001 - $735,000</option>
<option value="750000">$735,001 - $750,000</option>
<option value="765000">$750,001 - $765,000</option>
<option value="780000">$765,001 - $780,000</option>
<option value="795000">$780,001 - $795,000</option>
<option value="810000">$795,001 - $810,000</option>
<option value="825000">$810,001 - $825,000</option>
<option value="840000">$825,001 - $840,000</option>
<option value="855000">$840,001 - $855,000</option>
<option value="870000">$855,001 - $870,000</option>
<option value="885000">$870,001 - $885,000</option>
<option value="900000">$885,001 - $900,000</option>
<option value="915000">$900,001 - $915,000</option>
<option value="930000">$915,001 - $930,000</option>
<option value="945000">$930,001 - $945,000</option>
<option value="960000">$945,001 - $960,000</option>
<option value="975000">$960,001 - $975,000</option>
<option value="990000">$975,001 - $990,000</option>
<option value="1000000">$990,001 - $1,000,000</option>
<option value="1100000">$1.0M - $1.1M</option>
<option value="1200000">$1.11M - $1.2M</option>
<option value="1300000">$1.21M - $1.3M</option>
<option value="1400000">$1.31M - $1.4M</option>
<option value="1500000">$1.41M - $1.5M</option>
<option value="1600000">$1.51M - $1.6M</option>
<option value="1700000">$1.61M - $1.7M</option>
<option value="1800000">$1.71M - $1.8M</option>
<option value="1900000">$1.81M - $1.9M</option>
<option value="2000000">$1.91M - $2.0M</option>
<option value="2000001">$2.0M or more</option>
</select>
<button type="button" id="step-property-value" class="step-property-value" onclick="return property_value();"><span class="step-property-value">CONTINUE </span> <span class="glyphicon glyphicon-arrow-right step-property-value"
aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item3" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Loan Amount</h2>
</div>
<div class="step">
<select class="select ng-pristine ng-valid" name="loan" ng-model="data.field_3">
<option value="-1">Please Select Loan Amount</option>
<option value="59900">$50,000 - $59,999</option>
<option value="75000">$60,000 - $79,999</option>
<option value="85000">$80,000 - $89,999</option>
<option value="95000">$90,000 - $99,999</option>
<option value="120000">$100,000 - $120,000</option>
<option value="135000">$120,001 - $135,000</option>
<option value="150000">$135,001 - $150,000</option>
<option value="165000">$150,001 - $165,000</option>
<option value="180000">$165,001 - $180,000</option>
<option value="195000">$180,001 - $195,000</option>
<option value="210000">$195,001 - $210,000</option>
<option value="225000">$210,001 - $225,000</option>
<option value="240000">$225,001 - $240,000</option>
<option value="255000">$240,001 - $255,000</option>
<option value="270000">$255,001 - $270,000</option>
<option value="285000">$270,001 - $285,000</option>
<option value="300000">$285,001 - $300,000</option>
<option value="315000">$300,001 - $315,000</option>
<option value="330000">$315,001 - $330,000</option>
<option value="345000">$330,001 - $345,000</option>
<option value="360000">$345,001 - $360,000</option>
<option value="375000">$360,001 - $375,000</option>
<option value="390000">$375,001 - $390,000</option>
<option value="405000">$390,001 - $405,000</option>
<option value="420000">$405,001 - $420,000</option>
<option value="435000">$420,001 - $435,000</option>
<option value="450000">$435,001 - $450,000</option>
<option value="465000">$450,001 - $465,000</option>
<option value="480000">$465,001 - $480,000</option>
<option value="495000">$480,001 - $495,000</option>
<option value="510000">$495,001 - $510,000</option>
<option value="525000">$510,001 - $525,000</option>
<option value="540000">$525,001 - $540,000</option>
<option value="555000">$540,001 - $555,000</option>
<option value="570000">$555,001 - $570,000</option>
<option value="585000">$570,001 - $585,000</option>
<option value="600000">$585,001 - $600,000</option>
<option value="615000">$600,001 - $615,000</option>
<option value="630000">$615,001 - $630,000</option>
<option value="645000">$630,001 - $645,000</option>
<option value="660000">$645,001 - $660,000</option>
<option value="675000">$660,001 - $675,000</option>
<option value="690000">$675,001 - $690,000</option>
<option value="705000">$690,001 - $705,000</option>
<option value="720000">$705,001 - $720,000</option>
<option value="735000">$720,001 - $735,000</option>
<option value="750000">$735,001 - $750,000</option>
<option value="765000">$750,001 - $765,000</option>
<option value="780000">$765,001 - $780,000</option>
<option value="795000">$780,001 - $795,000</option>
<option value="810000">$795,001 - $810,000</option>
<option value="825000">$810,001 - $825,000</option>
<option value="840000">$825,001 - $840,000</option>
<option value="855000">$840,001 - $855,000</option>
<option value="870000">$855,001 - $870,000</option>
<option value="885000">$870,001 - $885,000</option>
<option value="900000">$885,001 - $900,000</option>
<option value="915000">$900,001 - $915,000</option>
<option value="930000">$915,001 - $930,000</option>
<option value="945000">$930,001 - $945,000</option>
<option value="960000">$945,001 - $960,000</option>
<option value="975000">$960,001 - $975,000</option>
<option value="990000">$975,001 - $990,000</option>
<option value="1000000">$990,001 - $1,000,000</option>
<option value="1100000">$1.0M - $1.1M</option>
<option value="1200000">$1.11M - $1.2M</option>
<option value="1300000">$1.21M - $1.3M</option>
<option value="1400000">$1.31M - $1.4M</option>
<option value="1500000">$1.41M - $1.5M</option>
<option value="1600000">$1.51M - $1.6M</option>
<option value="1700000">$1.61M - $1.7M</option>
<option value="1800000">$1.71M - $1.8M</option>
<option value="1900000">$1.81M - $1.9M</option>
<option value="2000000">$1.91M - $2.0M</option>
<option value="2000001">$2.0M or more</option>
</select>
<button type="button" id="step-loan-value" class="step-loan-value" onclick="return loan_amount();"><span class="step-loan-value">CONTINUE </span> <span class="glyphicon glyphicon-arrow-right step-loan-value"
aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item4" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Cash Out?</h2>
<h5>(To pay off credit card bills, home improvement project, etc)</h5>
</div>
<div class="step">
<select class="select ng-pristine ng-valid" name="cash_out" ng-model="data.cash_out">
<option value="-1">Please Select A Value</option>
<option value="Yes">Yes</option>
<option value="No">No</option>
<option value="Maybe">Maybe</option>
</select>
<button type="button" id="step-cash-out" class="step-cash-out" onclick="return cashout();"><span class="step-cash-out">CONTINUE </span> <span class="glyphicon glyphicon-arrow-right step-cash-out" aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item5" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Are you currently in an FHA loan?</h2>
</div>
<div class="step">
<select class="select ng-pristine ng-valid" name="fha1" ng-model="data.field_23">
<option value="-1">Please Select FHA Loan</option>
<option value="Y">Yes</option>
<option value="N">No</option>
</select>
<button type="button" id="step-FHA" class="step-FHA" onclick="return fha_loan();"><span class="step-FHA">CONTINUE </span> <span class="glyphicon glyphicon-arrow-right step-FHA" aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item6" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="md-con">
<div class="unbox">
<h2>Are you a veteran or active military?</h2>
</div>
<div class="step">
<select class="select ng-pristine ng-valid" name="vetr1" ng-model="data.field_28">
<option value="-1">Please Select Veteran Status</option>
<option value="Y">Yes</option>
<option value="N">No</option>
</select>
<button type="button" id="step-military" class="step-military" onclick="return veteran();"><span class="step-military">CONTINUE </span> <span class="glyphicon glyphicon-arrow-right step-military" aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</div>
</li>
<li class="rhino-item" id="rhino-item7" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<div class="unbox">
<h2>Your Address</h2>
</div>
<div class="step">
<input type="text" value="" id="address" name="address" placeholder="Street Address" autocomplete="offer" ng-model="data.street_address" class="ng-pristine ng-valid">
<input type="text" value="" id="zip" name="zip" placeholder="ZIP Code" autocomplete="off" ng-model="data.zip" class="ng-pristine ng-valid">
<button type="button" id="step-property-address" class="step-property-address" onclick="return validate_address();" ng-click="check_city_and_state()"><span class="step-property-address">CONTINUE </span> <span
class="glyphicon glyphicon-arrow-right step-property-address" aria-hidden="true"></span></button>
<span class="back">back</span>
</div>
</li>
<li class="rhino-item rhino-lastItem" id="rhino-item8" style="margin: 0px; width: 1140px; height: 714px; position: absolute; top: 0px; left: 0px; z-index: 0; opacity: 0; overflow: hidden;">
<h3></h3>
<div class="unbox">
<h2><span>Final Step</span></h2>
<h2>Please complete to get your free rate quote</h2>
</div>
<div class="cont">
<div class="final-form">
<input name="first_name" id="first_name" type="text" placeholder="First Name" ng-model="data.first_name" class="ng-pristine ng-valid">
<input name="last_name" id="last_name" type="text" placeholder="Last Name" ng-model="data.last_name" class="ng-pristine ng-valid">
<input name="email" id="email" type="email" placeholder="Email Address" ng-model="data.email_address" class="ng-pristine ng-valid ng-valid-email">
<input name="phone" id="home_phone" type="tel" placeholder="Phone(+1 is not used)" ng-model="data.home_phone" class="ng-pristine ng-valid">
<input type="hidden" name="TrustedFormToken" id="TrustedFormToken" ng-model="data.xxTrustedFormToken" class="ng-pristine ng-valid" value="https://cert.trustedform.com/8a4e4210915c164de84b87cf0222856e48cab556">
<input name="publisher_id" id="publisher_id" ng-model="data.publisher_id" value="" type="hidden" class="ng-pristine ng-valid">
<input name="server_code" id="server_code" ng-model="data.server_code" ng-value="HS" type="hidden" class="ng-pristine ng-valid">
<input name="upload_type" id="upload_type" ng-model="data.upload_type" ng-value="HS" type="hidden" class="ng-pristine ng-valid">
<input name="subid" id="subid" ng-model="data.subid" type="hidden" class="ng-pristine ng-valid">
<input name="rcid" id="rcid" ng-model="data.rcid" type="hidden" class="ng-pristine ng-valid">
<input type="hidden" name="talon"
value="{"version": "5.8", "status": 0, "timestamp": "Thu, 09 Jun 2022 14:23:54 GMT", "a": {"dst": false, "tzo": 0, "stzo": 0}, "b": "en-US", "c": 309034120, "d": "en","e": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/102.0.5005.61 Safari/537.36", "0": 1, "3": "00744cc3d9b4ca708925f4c40b14871c", "4": "", "7": "0","8":"4","6":"1", "9":"0","2":2263995499, "5": "1654784634959"}"
id="talon">
<input type="hidden" name="anura" value="" id="anura">
<input value="Solar" name="type" ng-model="data.type" type="hidden" class="ng-pristine ng-valid">
<input name="state" ng-model="data.state" value="" type="hidden" class="ng-pristine ng-valid">
<input name="field_6" ng-model="data.field_6" value="Good" type="hidden" class="ng-pristine ng-valid">
<input id="leadid_token" name="universal_leadid" type="hidden" value="AE8150B3-5F20-613B-DC04-F5EB459FCF53">
<div class="tcpa" style="font-size:13px;margin-top:10px;">
<label> By clicking the button below, you acknowledge, consent, and agree to our terms at the bottom of this page. <input type="hidden" id="leadid_tcpa_disclosure">
<input type="submit" value="SUBMIT" name="submit" id="final_submit" onclick="return validate()">
<div class="clear"></div>
<br> By clicking "SUBMIT" you electronically agree to share your information with up to 6
<a href="https://portal.reallygreatrate.com/api/refinance/partners-list.php" onclick="window.open(this.href,'popupwindow', 'width=800,height=500,left=200,top=5,scrollbars,toolbar=0,resizable'); return false;"> partners</a> (possibly
including Rocket Mortgage) and provide your prior "written" consent for them to contact you (including through automated means; autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or
email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list and you agree to our <a class="fancybox" href="#inline1" id="terms-link">Terms of Use</a> and
<a class="fancybox" href="#inline2" id="terms-link">Privacy Policy</a>. You agree that we can share your personal data with third parties, such as our mortgage partners, service providers and other affiliates, and that we can use this
data for marketing and analytics, and to make your experience easier. This consent is not a condition of a purchase.
</label>
</div>
<span class="back">back</span>
</div>
</div>
</li>
</ul><a class="rhino-prev rhino-btn disabled" style="position: absolute; display: block; cursor: pointer;">Back</a><a class="rhino-next rhino-btn" style="position: absolute; display: block; cursor: pointer;">next</a>
<ol class="rhino-bullets">
<li><a id="rhino-item0-bullet" class="rhino-bullet rhino-active-bullet rhino-first-bullet">1</a></li>
<li><a id="rhino-item1-bullet" class="rhino-bullet">2</a></li>
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<span style="font-weight:bold">HarpSubstitute.com</span>
<p>ATTN: Customer Care <br> 8605 Santa Monica Blvd <br> Suite #44092 <br> Los Angeles, CA 90069-4109 </p>
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* HESSE UPDATE: JUN 09, 2022
POTENTIALLY SAVE UP TO $3,252 ($271 PER MONTH) OFF YOUR MORTGAGE - CHECK IF
YOU QUALIFY FOR REFINANCE OFFERS.*
Take 60 Second Quiz to Calculate Savings - Choose Home Type Below to Get
Started!
Single Family Multi-Family Home Condominium Mobile Home CONTINUE
* CREDIT SCORE
Excellent Good Fair Poor CONTINUE back
* PROPERTY VALUE
Please Select Property Value $75,000 - $90,000 $90,001 - $105,000 $105,001 -
$120,000 $120,001 - $135,000 $135,001 - $150,000 $150,001 - $165,000 $165,001
- $180,000 $180,001 - $195,000 $195,001 - $210,000 $210,001 - $225,000
$225,001 - $240,000 $240,001 - $255,000 $255,001 - $270,000 $270,001 -
$285,000 $285,001 - $300,000 $300,001 - $315,000 $315,001 - $330,000 $330,001
- $345,000 $345,001 - $360,000 $360,001 - $375,000 $375,001 - $390,000
$390,001 - $405,000 $405,001 - $420,000 $420,001 - $435,000 $435,001 -
$450,000 $450,001 - $465,000 $465,001 - $480,000 $480,001 - $495,000 $495,001
- $510,000 $510,001 - $525,000 $525,001 - $540,000 $540,001 - $555,000
$555,001 - $570,000 $570,001 - $585,000 $585,001 - $600,000 $600,001 -
$615,000 $615,001 - $630,000 $630,001 - $645,000 $645,001 - $660,000 $660,001
- $675,000 $675,001 - $690,000 $690,001 - $705,000 $705,001 - $720,000
$720,001 - $735,000 $735,001 - $750,000 $750,001 - $765,000 $765,001 -
$780,000 $780,001 - $795,000 $795,001 - $810,000 $810,001 - $825,000 $825,001
- $840,000 $840,001 - $855,000 $855,001 - $870,000 $870,001 - $885,000
$885,001 - $900,000 $900,001 - $915,000 $915,001 - $930,000 $930,001 -
$945,000 $945,001 - $960,000 $960,001 - $975,000 $975,001 - $990,000 $990,001
- $1,000,000 $1.0M - $1.1M $1.11M - $1.2M $1.21M - $1.3M $1.31M - $1.4M
$1.41M - $1.5M $1.51M - $1.6M $1.61M - $1.7M $1.71M - $1.8M $1.81M - $1.9M
$1.91M - $2.0M $2.0M or more CONTINUE back
* LOAN AMOUNT
Please Select Loan Amount $50,000 - $59,999 $60,000 - $79,999 $80,000 -
$89,999 $90,000 - $99,999 $100,000 - $120,000 $120,001 - $135,000 $135,001 -
$150,000 $150,001 - $165,000 $165,001 - $180,000 $180,001 - $195,000 $195,001
- $210,000 $210,001 - $225,000 $225,001 - $240,000 $240,001 - $255,000
$255,001 - $270,000 $270,001 - $285,000 $285,001 - $300,000 $300,001 -
$315,000 $315,001 - $330,000 $330,001 - $345,000 $345,001 - $360,000 $360,001
- $375,000 $375,001 - $390,000 $390,001 - $405,000 $405,001 - $420,000
$420,001 - $435,000 $435,001 - $450,000 $450,001 - $465,000 $465,001 -
$480,000 $480,001 - $495,000 $495,001 - $510,000 $510,001 - $525,000 $525,001
- $540,000 $540,001 - $555,000 $555,001 - $570,000 $570,001 - $585,000
$585,001 - $600,000 $600,001 - $615,000 $615,001 - $630,000 $630,001 -
$645,000 $645,001 - $660,000 $660,001 - $675,000 $675,001 - $690,000 $690,001
- $705,000 $705,001 - $720,000 $720,001 - $735,000 $735,001 - $750,000
$750,001 - $765,000 $765,001 - $780,000 $780,001 - $795,000 $795,001 -
$810,000 $810,001 - $825,000 $825,001 - $840,000 $840,001 - $855,000 $855,001
- $870,000 $870,001 - $885,000 $885,001 - $900,000 $900,001 - $915,000
$915,001 - $930,000 $930,001 - $945,000 $945,001 - $960,000 $960,001 -
$975,000 $975,001 - $990,000 $990,001 - $1,000,000 $1.0M - $1.1M $1.11M -
$1.2M $1.21M - $1.3M $1.31M - $1.4M $1.41M - $1.5M $1.51M - $1.6M $1.61M -
$1.7M $1.71M - $1.8M $1.81M - $1.9M $1.91M - $2.0M $2.0M or more CONTINUE
back
* CASH OUT?
(TO PAY OFF CREDIT CARD BILLS, HOME IMPROVEMENT PROJECT, ETC)
Please Select A Value Yes No Maybe CONTINUE back
* ARE YOU CURRENTLY IN AN FHA LOAN?
Please Select FHA Loan Yes No CONTINUE back
* ARE YOU A VETERAN OR ACTIVE MILITARY?
Please Select Veteran Status Yes No CONTINUE back
* YOUR ADDRESS
CONTINUE back
* FINAL STEP
PLEASE COMPLETE TO GET YOUR FREE RATE QUOTE
By clicking the button below, you acknowledge, consent, and agree to our
terms at the bottom of this page.
By clicking "SUBMIT" you electronically agree to share your information with
up to 6 partners (possibly including Rocket Mortgage) and provide your prior
"written" consent for them to contact you (including through automated means;
autodialing, text and pre-recorded messaging) via telephone, mobile device
(including SMS and MMS) and/or email, even if your telephone number is
currently listed on any state, federal or corporate Do Not Call list and you
agree to our Terms of Use and Privacy Policy. You agree that we can share
your personal data with third parties, such as our mortgage partners, service
providers and other affiliates, and that we can use this data for marketing
and analytics, and to make your experience easier. This consent is not a
condition of a purchase.
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Street address City State Zip code Country
*'There are now about 5.9 million borrowers who could see their rates drop by at
least 75 basis points by refinancing their mortgages ... Per borrower, the
savings is about $271 per month.' - CNBC ($271x12 months = $3,252)
HarpSubstitute.com is not a lender, broker, or other provider of financial or
insurance products or services. The information you provide to us is not an
application for a loan or other financial product or service. We do not use this
information to pre-qualify you for a loan or financial products or services. We
provide the information you give to us to third party providers of these
products and services. If the information you provide to us matches the criteria
they are seeking, they will contact you directly. In many cases we may deploy
SMS to you to facilitate an inbound call to the service or product provider. We
are paid by such providers for each consumer they contact directly and/or
provide services or products. You are not charged for our services. We do not
guarantee that a provider or Lender will accept your registration information or
that their products or services will meet your needs. Only the Lender can
provide you with rates, terms and products or services you have inquired about.
It may not be the best product or service available on the market. Not all
product or service providers will offer you the products that we advertise.
Completing our forms does not obligate you to purchase a service or product nor
does it obligate a product or service provider to provide you with any
particular service about which you may have inquired. Available rates and terms
in our marketing materials are subject to change without notice. You must be a
legal resident of the United States to use Website and we specifically prohibit
access or use by residents of other countries including but not limited to
Canadian and European Union Member Citizens. Nationwide Mortgage Licensing
System (NMLS) ID # 2721.
* Licenses and Disclosures
* Terms & Conditions
* Privacy Policy
* Do Not Sell My Info
* Opt Out
TERMS OF USE
[Revised December 26, 2019]
Welcome to Harpsubstitute (hereinafter referred to as "Company" "we," "us," or
"our"). Before you begin to use the Website, please take a moment to review
these terms and conditions ("Agreement") which is a legal agreement. By
submitting any information on this Website, you agree to be bound by these terms
and conditions. The Agreement describes the terms and conditions which govern
your use of the Website and the products and services provided through or in
connection with the Website (collectively, "Service"), which may be updated by
us from time to time without notice to you. We may also offer other services
that are governed by different terms and conditions. You must read and agree
with all of the terms and conditions contained in this Agreement and the posted
Privacy Policy then in effect ("Privacy Policy"), which is incorporated by
reference, before you use the Service. If you do not agree to be bound by the
terms and conditions of this Agreement, you may not use or access the Service.
1. USER AGREEMENT.
By using this Website, you agree to be bound by and to comply with these Terms
and Conditions and the posted Privacy Policy which is incorporated herein as
though fully set forth herein. Upon entering the requested information, our
technology will forward your information to one of our participating providers
or to an aggregator and their providers who may contact you regarding your
request for services or products. This may be done automatically and a new
window may appear or the provider may contact you directly by telephone, email
or mail as set forth below. WE ARE NOT RESPONSIBLE FOR ANY ACTIONS AFTER YOU
HAVE LEFT THIS WEBSITE. UPON ENTRY INTO AN PARTICIPANT'S WEBSITE LINKED TO THIS
WEBSTIE, YOU SHOULD CAREFULLY REVIEW THE Privacy Policy AND TERMS AND CONDITIONS
OF USE OF THAT WEBSITE BEFORE ENTERING ANY PERSONAL INFORMATION AS THOSE POLICES
AND TERMS WILL DIFFER FROM THESE. In order to provide you the services you have
requested, you are expressly giving your permission to provide any information
collected on this Website to third parties. As such, you are expressly giving
your permission for such third parties to contact you by mail, email, text
messaging or telephone. By registering and using this Website, you agree that
such act constitutes a purchase, an inquiry and/or an application for purposes
of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR").
Notwithstanding that your telephone number may be listed on the Federal Trade
Commission's Do-Not-Call List (or a state do-not-call) list you have authorized
us to contact you via telemarketing in accordance with the ATSR. Moreover, by
registering with, or requesting information from, a third-party provider at or
through the Website or other advertisement media made available by us (e.g.,
email marketing), you agree that such action shall constitute a purchase, an
inquiry and/or an application with the respective third-party provider for
purposes of the ATSR and you may be contacted via email, direct mail and/or
telemarketing by such third-party provider in accordance with the ATSR. If, at
any time, you do not wish to be bound by these conditions or you are unsatisfied
with the Website, its content or other legal notices, you agree that your sole
and exclusive remedy is to discontinue using this Website and you may opt-out
using the method given below. You further represent and warrant that: (i) You
are at least 18 years of age and possess the legal authority to enter into an
agreement and to use the Website in accordance with these Terms and Conditions;
(ii) All information supplied by you is true and accurate (without limitation of
the foregoing, the provision of any speculative, incorrect, misleading, false or
fraudulent information is prohibited); (iii) You understand and agree that
Company may share personally identifiable information and other information
provided by, and aggregated information about you and other users with its
vendors, sponsors, providers, service providers and marketers, lookup and
reference services, other unaffiliated third parties, and other entities that
Company believes are able to provide its Website users with offers and
opportunities, as more fully described in the Company's posted Privacy Policy
(iv) You understand that abuse of this Website may result in your being denied
access to such Website, as determined by Company in its sole discretion; (v) You
understand and agree that Company controls only the landing page and intake
forms on this Website. Upon entry of the requested information, a participating
Provider will be contacting you directly to provide you with information
regarding their services. Company shall not be responsible for any Provider or
aggregators contact with you or any subsequent agreement you may enter into with
such Provider or aggregator; and (vi) Your use of the Services on this Website
is subject to all applicable federal, state and local laws and regulations;
(vii) You also give us permission to send you periodic updates of services and
products which may be of interest to you through email, mail, or telemarketing;
You understand that our providers may maintain the information you submitted to
us whether you elect to use their services or not. In the event you no longer
want to receive communications from one of our providers, you agree to notify
the partner directly.
2. SERVICES.
The Website is an online network marketplace. You understand and agree that if
you submit a request through the Website, we will share your personal
information (such as your full name, address, telephone number, and financial
information) with participating providers in our network to process and fulfill
your request. You understand and agree that we are not a mortgage refinance
company, or undertake a credit analysis or make credit decisions in connection
with the Service and that we are not a party to any agreement that you may make
with any participating service provider whom you choose to use or from whom you
obtain mortgage refinancing. The participating provider(s) with whom you
contract to assist you is solely responsible for its services to you. You
further acknowledge and agree that we are not acting as your agent or broker and
are not recommending any particular service provider to you. Any compensation we
may receive is paid by the participating service provider for advertising
services we provided to them. We do not charge you a fee to use the Website. You
understand that the requirements for a particular service are made by the
participating service providers and we do not endorse, warrant, or guarantee the
products or service provider or installer. Nothing contained in this Agreement
shall constitute an offer or promise for a loan commitment or mortgage
refinancing. You agree that we shall not be liable for any damages or costs of
any type which arise out of or in connection with your use of the service
provider's services. You also give us permission to send you periodic updates of
services and products which may be of interest to you. Please note that
information we provide you either on the website or by email may not be used as
the sole basis for your decision to retain a particular service provider, and
may their services may not meet your particular needs. Please seek the advice of
an appropriate professional for an assessment of the loan information provided
by the lender.
3. CHANGES TO TERMS AND CONDITIONS AND POLICIES.
The Website is an online network marketplace. You understand and agree that if
you submit a request through the Website, we will share your personal
information (such as your full name, address, telephone number, and financial
information) with participating providers in our network to process and fulfill
your request. You understand and agree that we are not a mortgage refinance
company, or undertake a credit analysis or make credit decisions in connection
with the Service and that we are not a party to any agreement that you may make
with any participating service provider whom you choose to use or from whom you
obtain mortgage refinancing. The participating provider(s) with whom you
contract to assist you is solely responsible for its services to you. You
further acknowledge and agree that we are not acting as your agent or broker and
are not recommending any particular service provider to you. Any compensation we
may receive is paid by the participating service provider for advertising
services we provided to them. We do not charge you a fee to use the Website. You
understand that the requirements for a particular service are made by the
participating service providers and we do not endorse, warrant, or guarantee the
products or service provider or installer. Nothing contained in this Agreement
shall constitute an offer or promise for mortgage refinancing. You agree that we
shall not be liable for any damages or costs of any type which arise out of or
in connection with your use of the service provider's services. You also give us
permission to send you periodic updates of services and products which may be of
interest to you. Please note that information we provide you either on the
website or by email may not be used as the sole basis for your decision to
retain a particular service provider, and may their services may not meet your
particular needs. Please seek the advice of an appropriate professional for an
assessment of the proposal provided by the mortgage refinance company.
4. REJECTION, TERMINATION AND CANCELLATION.
Company or its participating service provider may reject any registration or
subsequent application from any person with or without cause at their sole
discretion. Your status as a registered user creates only a customer
relationship with Company and does not create an employment relationship, an
independent contractor relationship, an agency relationship, or any other
relationship. You may cancel your request at anytime by sending an e-mail to
info@rgrmarketing.com.
5. PROHIBITED USER CONDUCT.
A. You are prohibited from any conduct that, in Company's sole discretion,
restricts or inhibits any other user from using or enjoying the Website or any
linked Website. You are prohibited from accessing or attempting to access
private areas of the Website or any other user's information. You are prohibited
from impersonating any person or entity or otherwise falsely stating or
misrepresenting your affiliation with a person or entity.
B. You are prohibited from using any data, content, and any information provided
or used on the Website, as well as your use of our Website, products and
services which will infringe or facilitate infringement on any copyright,
patent, trademark, trade secret, or other proprietary, publicity, or privacy
rights of any person or entity, including third-parties. You are prohibited from
using any data, content or information which contains or promotes any viruses,
Trojan horses, worms, time bombs or other computer programming or code that is
designed or intended to damage, destroy, intercept, download, interfere,
manipulate, or otherwise interrupt or expropriate the Website, data, personal
information, software, equipment, servers or content or facilitate or promote
hacking or similar conduct. You are prohibited from harvesting, sweeping, or use
any other means, to collect information about users of the Website; Use
automated means, including spiders, robots, bots, scripts, crawlers, or the
like, in connection with any activity on the Website; Resell, assign,
sublicense, otherwise transfer, or delegate your rights or obligations under
these Terms and Conditions without the prior express written authorization of
Company; Modify, publish, transmit, transfer or sell, reproduce, create
derivative works from, distribute, perform, link, display or in any way exploit
any Website content; or except as otherwise expressly permitted on the Website,
use any information you may obtain from the Website (including without
limitation, user information) to send any other person unsolicited messages,
commercial or otherwise, by electronic, telephonic, postal or other means.
6. MARKETING MATERIALS.
By signing up at the Website, you are giving your consent to receive promotions
or newsletters from Company, our affiliates and/or third-party marketers. If you
do not wish to receive these emails, you may request to be removed by using the
opt-out mechanism listed in the email messages you receive. To opt-out of email
promotions from Company alone, you may simply use our convenient Opt-Out Page
located at the bottom of the first page of the Website. Please note that
exercising an opt-out mechanism only applies to the company with which you
exercised that right.
7. THIRD PARTY CONTENT/PROMOTIONS, THIRD PARTY PRODUCTS, AND THIRD PARTY WEBSITE
ACTIVITIES.
The Website may display and make available content, promotions, advertisements,
and offers provided by third parties ("Third Party Promotions"), as well as
goods and services offered by third parties ("Third Party Products"). You
understand and agree that Company shall not be responsible and shall have no
liability for any Third Party Promotion or Third Party Product or for your
activities on any third party Websites for whom Company displays offers ("Third
Party Website Activity"), and that you participate in or choose to click on a
Third Party Promotion, purchase and/or use a Third Party Product, or participate
in a Third Party Website Activity solely at your own risk. You agree that your
sole remedy in connection with any Third Party Promotion, Third Party Product or
Third Party Website Activity will be with the applicable Third Party offering
the Third Party Promotion, Third Party Product or Third Party Website Activity
and that you shall have no remedy against Company arising from your use of or
participation in, or inability to use or participate in, any Third Party
Promotion, Third Party Product or Third Party Website Activity.
8. RELATIONSHIP WITH MARKETING PROVIDERS.
This is an independent Website and is not affiliated with any of the listed
products or services. Trademarks, service marks, logos, and/or domain names are
the property of their respective owners, who have no association with or make
any endorsement of the products or services provided by this Website.
Furthermore, participating service providers are independent third parties and
this Website is not acting as a principal, agent or broker with respect to any
providers.
9. LINKED WEBSITES.
You may be able to link to third parties Websites ("Linked Websites") from the
Website. Linked Websites are not, however, reviewed, controlled or examined by
Company in any way and Company is not responsible for the content, availability,
advertising, products or other materials of any such Linked Websites, or any
additional links contained therein. Except as otherwise noted on the Website,
these links do not imply Company endorsement of or association with the Linked
Websites. In no event shall Company be liable, directly or indirectly, to anyone
for any loss or damage arising from or occasioned by the creation or use of
links to the Linked Websites, the Linked Websites themselves, your participation
in activities on such Linked Websites, or the information, material, products or
services accessed through these Linked Websites. You should direct any concerns
to that Website's administrator or webmaster. Company reserves the exclusive
right, at its sole discretion, to add, change, decline or remove, without
notice, any feature or link to any of the Linked Websites from the Website
and/or introduce different features or links.
10. INTELLECTUAL PROPERTY RIGHTS.
The Website contains intellectual property owned by Company and other parties.
As between Company and you, Company is the sole owner of the Website and all
materials on or available through the Website, including without limitation, all
applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets,
and other intellectual property rights thereto (collectively, the "Website
Content"). Except as otherwise specifically provided in these Terms and
Conditions, you may not download or save a copy of the Website content or any
portion thereof, for any purpose; however, you may print a copy of individual
screens appearing as part of the Website content solely for your personal,
non-commercial use or records, provided that any Company or other marks, logos
or other legends that appear on the copied screens remain on, and are not
removed from the printed or stored images of such screens. Except as otherwise
expressly permitted herein, you may not modify, copy, publish, display,
transmit, adapt or in any way exploit any portion of the Website content unless
you first obtain prior written consent from Company -- and from all other
entities with an interest in the relevant intellectual property. Any
unauthorized attempt to modify any Website content, to defeat or circumvent
Company security features, or to utilize this Website for other than its
intended purposes is strictly prohibited.
11. DISCLAIMER OF WARRANTIES.
Except as expressly set forth herein, Company is not responsible for any
incorrect or inaccurate information or entry of information, whether caused by
users of the Website or by any of the equipment or programming associated with
or utilized in connection with the Website or the products or services provided
on or through the Website, or by any technical or human error which may occur in
the processing of information received by Company. Company assumes no
responsibly for any error, omission, interruption, deletion, defect, delay in
operation or transmission, communications line failure, theft or destruction or
authorized access to, or alteration of, information received or submitted in
connection with the Website. Company is not responsible for any problems, errors
or technical malfunction of any telephone network or lines, computer on-line
systems, servers or providers, computer equipment, or software, or any failure
of email on account of technical problems or traffic congestion on the Internet
or at any Website or combination thereof, including injury or damage to
participants or to any other person's computer related to or resulting from use
of the Website or Website Content. THIS WEBSITE, INCLUDING THE WEBSITE CONTENT
IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER
EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING, COMPANY, AND ITS
PARENT, SUBSIDIARIES, PARTNERS, AGENTS, AFFILIATES, LICENSORS, SERVICE
PROVIDERS, ADVERTISORS, SUCCESSORS AND ASSIGNS SPECIFICALLY DISCLAIM ANY AND ALL
WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE
AVAILABILITY, ACCURACY, APPROPRIATENESS, RELIABILITY, TIMELINESS, USEFULNESS, OR
OTHERWISE OF THE WEBSITE, AND THE WEBSITE CONTENT; AND (ii) ANY WARRANTIES OF
TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE. COMPANY DOES NOT WARRANT OR GUARANTEE THAT ANY PORTION
OF THE WEBSITE OR THE WEBSITE CONTENT WILL BE FREE OF INFECTION BY VIRUSES,
WORMS, TROJAN HORSES OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE
PROPERTIES; OR THAT ACCESS TO THE WEBSITE OR WEBSITE CONTENT WILL BE
UNINTERRUPTED OR ERROR-FREE.
12. LIMITATION OF LIABILITY.
IN NO EVENT WILL COMPANY, ITS PARENTS, SUBSIDIARIES, PARTNERS, AGENTS,
AFFILIATES, LICENSORS, PROVIDERS, SUCCESSORS AND ASSIGNS AND THEIR RESPECTIVE
OFFICERS, DIRECTORS, AND EMPLOYEES AND SHAREHOLDERS BE LIABLE TO ANY PARTY (i)
FOR ANY INDIRECT, DIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES
(INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS
INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE), OR ANY OTHER
DAMAGES ARISING IN ANY WAY OUT OF THE AVAILABILITY, USE, RELIANCE ON, OR
INABILITY TO USE THE WEBSITE OR WEBSITE CONTENT, EVEN IF ALL SUCH PARTIES SHALL
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM
OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE; OR (ii) FOR ANY CLAIM
ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE
PROPERTIES OF THE WEBSITE OR THE WEBSITE CONTENT.
13. EXCLUSIONS AND LIMITATIONS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE
LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.
ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM
EXTENT PERMITTED BY LAW.
14. MONITORING WEBSITE USAGE.
You agree that Company may electronically monitor the Website and disclose any
content, records, or electronic communication of any kind (i) to satisfy any
legal process or request; (ii) to operate the Website; or (iii) to protect
Company rights or the rights of the users, sponsors, providers, licensors, or
merchants.
15. INDEMNITY.
You agree to defend, indemnify and hold Company, its parents, subsidiaries,
partners, agents, affiliates, licensors, providers, successors and assigns and
their respective officers, directors, employees and shareholders harmless from
any and all claims, liabilities, costs and expenses, including reasonable
attorneys fees, arising in any way from, in connection with or as a result of
your use or inability to use the Website and or Website Content, any information
provided to you by the Website, or any violation of these Terms and Conditions
by you.
YOU HEREBY AGREE TO WAIVE ALL LAWS THAT MAY LIMIT THE EFFICACY OF SUCH RELEASES.
FOR EXAMPLE, YOU SPECIFICALLY AGREE TO WAIVE THE PROVISIONS OF CALIFORNIA CIVIL
CODE SECTION 1542, WHICH PROVIDES; "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS
WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF
EXECUTING THE RELEASE, WHICH IS KNOWN BY HIM, MUST HAVE MATERIALLY AFFECTED HIS
SETTLEMENT WITH THE DEBTOR."
16. RELEASE.
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE COMPANY AND ITS
AFFILLIATES, PARTNERS, SERVICE PROVIDERS, CLIENTS, VENDORS, AND CONTRCTORS AND
EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER
RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS,
COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS,
LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR
UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH
YOUR USE OF THE SERVICE.
17. DEALINGS WITH THIRD PARTIES.
Your correspondence or business dealings with any third parties as a result of
your use of this Website and participation in the Service, including, but not
limited to, business dealings with service providers, or any other terms,
conditions, warranties, representations associated with such dealings, are
solely between you and such third party. You agree that Company shall not be
responsible or liable for any loss or damage of any sort incurred as the result
of any such dealings or as the result of the presence of such third party on the
Website.
18. DISPUTE RESOLUTION.
This Agreement will be interpreted in accordance with the laws of the State of
California, without regard to the conflicts of laws principles thereof. You
agree that any and all disputes, claims or controversies arising out of or
relating to your visit to this Website, your dealings with the Company or its
partners, or this Agreement, its interpretation, performance, or breach, that
are not resolved by informal negotiation within thirty (30) days (or any
mutually agreed extension of time), shall be submitted to final and binding
arbitration before a single arbitrator of the American Arbitration Association
("AAA") in Los Angeles, California. Either party may commence the arbitration
process called for herein by submitting a written demand for arbitration with
the AAA, and providing a copy to the other party. The arbitration will be
conducted in accordance with the provisions of the AAA's Commercial Dispute
Resolutions Procedures in effect at the time of submission of the demand for
arbitration. The costs of arbitration plus reasonable attorneys fees (including
fees for the value of services provided by in house Provider) shall be awarded
to the prevailing party in such arbitration. Judgment on the award rendered by
the arbitrator may be entered in the Superior Court of California, Los Angeles
County, or the United States District Court for the Central District of
California. Notwithstanding the foregoing, the following shall not be subject to
arbitration and may be adjudicated only in the Superior Court of California, Los
Angeles County, or the United States District Court for the Central District of
California: (i) any dispute, controversy, or claim relating to or contesting the
validity of Company's proprietary rights, including without limitation,
trademarks, service marks, copyrights, or trade secrets; or, (ii) an action by a
party for temporary, preliminary, or permanent injunctive relief, whether
prohibitive or mandatory, or other provisional relief. To the fullest extent
permitted by applicable law, no arbitration under this Agreement shall be joined
to an arbitration involving any other party subject to this Agreement, whether
through class arbitration proceedings or otherwise. You waive any and all rights
to bring any claim in another form other than individual form, including the
right to bring a class action in any forum, arbitration or otherwise.
19. WAIVER AND SEVERABILITY OF TERMS.
The failure by Company to exercise or enforce any right or provision of the
Agreement shall not constitute a waiver of such right or provision. If any
provision of the Agreement is found by a court of competent jurisdiction to be
invalid, the parties nevertheless agree that the court should endeavor to give
effect to the parties' intentions as reflected in the provision, and the other
provisions of the Agreement remain in full force and effect.
20. ENTIRE AGREEMENT.
This Agreement constitutes the entire agreement between you and Company and
governs your use of the Website and Service, superseding any prior agreements.
You also may be subject to additional terms and conditions that may apply when
you use or purchase other Company services, affiliated services, third party
content or third party software.
21. STATUTE OF LIMITATIONS.
YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR
CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT
MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR
BE FOREVER BARRED.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Harpsubstitute.com
ATTN: Customer Care
8605 Santa Monica Blvd
Suite #44092
Los Angeles, CA 90069-4109
PRIVACY POLICY
LAST UPDATED JANUARY 3, 2020
HarpSubstitute.com (“Company” “we” or “our”) is committed to advising you of the
right to your privacy, and strives to provide a safe and secure user experience.
This Privacy Policy explains how we collect, store and use personal information
provided by you on our Website. It also explains how we collect and use
non-personal information. By accessing and using our Website, you explicitly
accept, without limitation or qualification, the collection, use and transfer of
the personal information and non-personal information in the manner described in
this Privacy Policy. Please read this Policy carefully, as it affects your
rights and liabilities under the law. If you disagree with the way we collect
and process personal and non-personal information, please do not use this
Website.
INFORMATION WE COLLECT
We collect the following types of information about you when you visit and use
our Website “Personal information” is information that can be used to identify
you or any other individual to whom the information may relate. This is
information which you are prompted to provide to us. Such information may
include your name, address, telephone number(s), mobile numbers and email
address, or other unique information about you which you provide to us during
the registration process, or through the course of communicating with us about
the products and services provided on our Website.
“Demographic information” is information that may or may not be unique to you in
the sense that it refers to selected population characteristics. Such
information may include, but is not limited to, zip code, mobile phone carrier,
age, gender, salary range, education and marital status, occupation, industry of
employment, personal and online interests.
“Behavioral information” is information which is automatically collected
pertaining to how you use our Website, the areas of our Website that you visit,
what services you access, and information about your computer hardware and
software, including your IP address, geographic location, browser preference,
operating system type, domain names, times that you access the internet, and
other websites you have visited.
“Third party collected information” is information about you that we acquire
from a third party which may include personal, demographic, behavioral and
indirect information. This collection may include, but not limited to, first
party cookies, third party cookies, anonymous cookies, persistent identifiers,
email opt in, and search engine keywords. We have no access or control over
these cookies and other tracking devices used by data aggregators, third party
advertisers and third party networks. We have no responsibility or liability for
the policies and practices of these parties.
“Web technology information” is information we automatically collect from you
when you visit our Website. This includes internet protocol (IP) addresses,
browser type, internet service provider (ISP), referring/exit pages, operating
system, date/time stamp, and/or clickstream data. This information is collected
from the use of cookies, Web beacons or JavaScript. This also includes
information which is contained within the autofill functionality of your
browser. This information may include Personal and Non-Personal Information.
No Information Collected from Children. We will never knowingly collect any
Personal Information from children under the age of 13. If we obtain actual
knowledge that we have collected Personal Information about a child under the
age of 13, that information will be immediately deleted from our database.
Because we do not collect such information, we have no such information to use
or to disclose to third parties.
COOKIES, WEB BEACONS, AND JAVASCRIPT
Generally, we as well as third party vendors and supporting advertisers use
technologies such as cookies, web beacons, and java scripts to collect
information. These technologies collect internet protocol (IP) addresses,
browser type, internet service provider (ISP), referring/exit pages, operating
system, date/time stamp, and/or clickstream data. This information is used to
analyze trends, administer our Website, track user's movements through our
Website and gather demographic information about our user base as a whole. We
may receive reports based on these technologies on an individual or aggregated
basis.
“Cookies” are a feature in your browser software. If enabled, cookies store
small amounts of data on your computer about actions you take on the pages of
our Website including the placement of identifiers. Cookies assist us in
tracking which of our features you visit most often, and what content you viewed
on past visits. When you visit this Website again, cookies allow us to remember
your settings and may be used for authentication. We may use cookies to keep
track of the number of return visits, accumulate and aggregate statistical
information generally pertaining to our Website, and deliver specific content to
you based on your past viewing history. You can disable cookies, although our
Website may not function properly for you. Your browser preferences can be
modified to accept or reject all cookies, or request a notification when a
cookie is set. You may read more about cookies at http://cookiecentral.com. In
order to use all of the features and functionality of our Website, you need to
accept cookies.
Third Party Cookies. We allow third party vendors and advertisers to set their
own cookies on and through our Website. We have no control over the practices of
those third parties and are not responsible for their technology or tracking. We
encourage you to review the policies of such persons or entities on their
websites. We use AdWords Remarketing through Google which is a Remarketing and
Behavioral Targeting service provided by Google Inc. that connects the activity
on our Website with the AdWords advertising network and the DoubleClick cookie.
That Cookie collects information regarding certain patterns in your browsing
history. To opt-out of this tracking, please
see https://support.google.com/ads/answer/2662922?hl=en. We also participate in
all of Google Analytics Advertising . This includes (i) Remarketing with Google
Analytics; (ii) Google Display Network Impression Reporting; (iii) DoubleClick
Campaign Manager integration; and (iv) Google Analytics Demographics and
Interest Reporting. Google uses cookies to track activity performed by Google
Analytics and its AdWords or DoubleClick cookie. To opt-out please
see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics
which is an analysis service also provided by Google Inc. Google utilizes the
data collected through its cookies to track and examine the use of this site, to
prepare reports on its activities, and to share them with other Google services.
You may opt-out of the Google Analytics service using Google’s Browser
Add-available at https://tools.google.com/dlpage/gaoptout/.
Social Media Cookies/Plug-ins. Plug-ins for social media including Facebook,
Twitter, LinkedIn, Yahoo, Windows and Google Plus are integrated on our Website.
By interacting with us through a social media plug-in, certain information will
be transmitted to the social network and you permit us to have continued access
to information from your profile. Social media features are either hosted by a
third party or hosted directly on our Website. Your interactions with these
features are governed by the privacy policy of the company providing it.
Web Beacons. We use electronic images known as Web Beacons (sometimes called
single-pixel gifs, clear gifs or action tags) which allow us to collect
information about your visit to our Website, measure and improve the
effectiveness of advertisements and track delivery of advertising. Web Beacons
collect only a limited set of information including a cookie number, time and
date of page view, as well as a description of the page on which the Web Beacon
resides. We may also use Web beacons in email messages sent to you. This allows
us to determine if you opened or acted upon the email messages. Because Web
beacons are the same as any other content request, you cannot opt out or refuse
them. However, they can be rendered ineffective by either opting out of cookies
or changing the cookie setup in your browser.
JavaScript. We may also use JavaScript. JavaScript is a computer language that
enhances the functionality of websites, particularly with respect to pictures.
We use it to analyze and improve our Website’s functions. You may deactivate
JavaScript through your browser settings or activate it the same way. If you
disable JavaScript, you will not be able to use some of the functions of our
Website.
Proprietary Auto-Fill Tracking. At times, we use third party vendors who have
technology which collects information held in your browser’s auto-fill
functionality This collection allows them to notify you of an error in the
registration or a failure to submit the registration. You can stop this
functionality by turning it off in your browser. There is no loss of use of our
Website or services should this browser function be turned off.
HOW WE USE INFORMATION COLLECTED.
Providing Services and Products. We use the information we gather on our Website
to provide you with the services and or products you have requested. After
visiting one of our client’s websites, we use the information we have collected
during your visit to send you an email to complete your registration or provide
you with additional offers that may be of interest to you. This may include
passing your information on to a third party to provide such services or
products. Although our contractual arrangement limits how this party can use
your information, we do not control the privacy practices of third parties. If
you have any questions or wish to remove your information from the third party
databases, you will need to contact that party directly.
Improving Our Website. We use the information we gather to respond to any
inquires you make, operate and improve the functionality of our Website, and
deliver the products and services advertised on our Website. Our services
include the display of personalized products, content, and advertising, relating
to your experience and interests.
Targeted Advertising. Based on User Information, we may customize and target
advertising to an individual. In our discretion, we may combine information to
target advertising to an individual on the Site, in email and/or through direct
mail. Such advertising may be different to the products or services offered or
promoted on our Website.
Commercial Email. We may use your email address to promote goods and services of
third parties that may be of interest to you and these may be different than the
products or services offered or promoted on the Site.
Direct Mail. We may use User Information to advertise, directly or indirectly to
individuals using postal mail.
We Share Your Information.
WE WILL SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES IN THE FOLLOWING
WAYS:
Product and Service Delivery We share your personal information with third
parties who help us in the delivery of the products and services you have
requested.
Website Functionality. We share your Personal and Non-Personal information with
companies and individuals we employ to perform technical functions on our
behalf. Examples include third parties who host our Website, analyze our data,
provide marketing assistance, process credit card payments, and provide customer
service.
Third Party Products and Services. We share your Personal and Non Personal
Information with third parties who will provide you with their opportunities,
products or services. This includes your personal and non-personal information,
and includes your interests and preferences, so they may determine whether you
might be interested in their products or services.
Anonymous information. We share aggregated anonymous information about you,
combined with other persons using our Website with third parties, so that they
can understand the kinds of visitors that come to our Website, and how those
visitors use our Website. This includes demographic information and behavioral
information.
Legal Process. We disclose and share your information if legally required to do
so, or at our discretion, pursuant to a request from a governmental entity, or
if we believe in good faith that such action is necessary to (a) conform to
legal requirements or comply with legal process; (b) protect our rights or
property, or our affiliated companies; (c) prevent a crime or protect national
security; or (d) protect the personal safety of users or the public.
Acquisition or Merger. We may disclose and transfer your information to a third
party who acquires any or all of our business, whether such acquisition is by
way of merger, consolidation or purchase of all or a substantial portion of our
assets. In the event we become the subject of an insolvency proceeding, whether
voluntary or involuntary, we or our liquidator, administrator, receiver or
administrative receiver may sell, license or otherwise dispose of, such
information in a transaction approved by the court.
THIRD PARTY COLLECTION AND USE OF INFORMATION.
Third Parties collect and use information about you on or through our Website in
the following ways:
Service Providers and Advertisers. Service Providers of the service or product
you have requested, Advertising agencies, advertising networks, and other
companies who place ads on our Website, may use their own cookies, Web beacons,
and other technology, to collect information about you. We do not control the
use of such technology and have no responsibility for the use of such technology
to gather information about you.
Hyperlinks. Our Website and email messages sometimes contain hypertext links to
Websites owned by third parties. We are not responsible for the privacy
practices or the content of such other Websites. These links are provided for
your convenience and reference only. We do not operate or control any
information, software, products or services, available on these third party
Websites. The inclusion of a link on our Website does not imply any endorsement
of the services, products or website, or its sponsoring organization.
Analytics. As described above, we use third parties to monitor analyze and
report on the traffic to, from and within our Website and email messages.
Disclaimer. We do not control the collection and use of any information
collected by Third Parties. Please review their policies and terms before
providing any information.
INFORMATION SECURITY AND RETENTION
We use industry standard precautions to safeguard your personal Information from
loss, theft and misuse including unauthorized access, disclosure, alteration and
destruction. These precautions are technical, physical and managerial. We have
security measures in place to protect against the loss, misuse, and alteration
of personal information under our control. The servers in which we store your
information are kept in a secure physical environment. The servers have industry
standard firewalls. Access to such servers is password protected and access by
our employees is limited. Currently, we use Secure Socket Layer software ("SSL")
to protect data and to secure any transactions. SSL encrypts information
including credit card number(s), and names and addresses, as they are
transmitted over the Internet. Please be advised that, although we take
commercially reasonable technological precautions to protect your data, no data
transmission over the Internet can be guaranteed to be 100% secure from improper
actions of third parties not under our control; therefore, we cannot and do not
warrant that your information will be absolutely secure. Any transmission of
information through our Website or through email communications is at your own
risk.
We retain Personal Information for the time necessary to fulfill the purpose for
which you provided the information and retain it thereafter for a period
permitted by law. We retain Non-Personal Information indefinitely as the same is
used by us for any proper purpose, including but not limited to analysis,
development and improvement of our Website, services and products.
CHANGES TO PRIVACY POLICY
We reserve the right to make material changes to the substance of this Privacy
Policy. We will post those changes through a prominent notice on the Website, so
that you will always know what information we gather, how we might use that
information, and to whom we will disclose it. California Resident Rights.
California residents have the right to receive, once a year, information about
third parties with whom we have shared information about you or your family for
their marketing purposes during the previous calendar year, and a description of
the categories of personal information shared. In addition, California residents
have the right to know if we respond to do not track signals or cookies. We do
not respond to such signals or cookies.
As stated in this Policy, you have agreed to allow us to share information with
third parties for their direct marketing purposes until you remove your
information; and thus, you have agreed to this disclosure. California customers
may request further information about our compliance with this law by sending us
an email at info@rgrmarketing.com. Please note that we are only required to
respond to one request per customer each year, and we are not required to
respond to requests made by means other than through this email address.
GDPR AND CASL COMPLIANCE
Unfortunately, we are not in a position to accept registrants who are not U.S.
Citizens. The CASL and GDPR regulations, in particular, provide certain rights
to their citizens which are not the same as the United States. For this reason,
we do not accept registrations from any citizen outside the United States. Our
services are specifically designed for United States citizens. We have expunged
all European Union Member and Canadian Citizens data to the extent we have been
made aware of the same. If you are a European Union Member, Canadian or any
country outside of the United States citizen, please notify us
at info@rgrmarketing.com.
CALIFORNIA CONSUMERS’ PRIVACY RIGHTS
This section of the Privacy Policy supplements the information contained
elsewhere in our Privacy Policy and applies solely to visitors, users, and
others who reside in the state of California (“Consumers”). The provisions
contained within this section are intended to provide notices in compliance with
the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the
CCPA have the same meaning when used in this section.
Personal Information Collected
We collect Personal Information provided by Consumers through the Site. In the
past 12 months, we have collected the following Personal Information from
Consumers:
Category of Information Examples Information Collected Identifiers A real name,
alias, postal address, unique personal identifier, online identifier, Internet
Protocol address, email address, account name, Social Security number, driver's
license number, passport number, or other similar identifiers. Yes Categories of
personal information described in subdivision (e) of Section 1798.80. A name,
signature, social security number, physical characteristics or description,
address, telephone number, passport number, driver's license or state
identification card number, insurance policy number, education, employment,
employment history, bank account number, credit card number, debit card, or any
other financial information, or health insurance information. Yes
Characteristics of protected classifications under California or federal law Age
(40 years or older), race, color, ancestry, national origin, citizenship,
religion or creed, marital status, medical condition, physical or mental
disability, sex (including gender, gender identity, gender expression, pregnancy
or childbirth and related medical conditions), sexual orientation, veteran
military status, genetic information (including familial genetic information).
No Commerical Information Records of perosnal property, products or services
purchased, obtained, or considered, or other purchasing or consuming histories
or tendencies. Yes Biometric information An individual's physiological, or
biological or behavioral characteristics, including an individual's
deoxyribonucleic acid (DNA), that can be use, singly or in combination with each
other or with other identifying data, to establish individual identity,
including but not limited to, imagery of the iris, retina, fingerprint, face,
hand, palm, vein patterns, and voice recordings, from which an identifier
template, such as a faceprint, a minutiae template, or a voiceprint, can be
extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and
sleep, helath, or exercise data taht contain identifying information. No
Internet or other electronic netowrk activity information Browsing history,
search history, and information regarding a consumer's interaction with an
Internet Web site, application, advertisement. No Geolocation Physical location,
position, and movement data. No Sensory information Audio, electronic, visual,
thermal, olfactory, or similar information. No Professional or
employment-related information Present and past employment data. No Education
information Education records maintained by educational institutions or third
parties on behalf of these institutions. No Inferences drawn from any other
information Data reflecting a consumer's preferences, characteristics, habits,
attitudes, predispositions, intelligences, and abilities. No
The categories of Personal Information described above are collected from the
following categories of sources:
* Directly from Consumers or their agents, such as through Consumers’ responses
to our web forms.
* Directly and indirectly from activity on our Website, such as through
Consumers’ interaction with our Website.
* From third parties that work with us to provide services to Consumers, such
as third parties that we connect Consumers with to fulfill their requests.
Uses of Personal Information
The information we collect is used to:
* Fulfill the purpose for which the information was provided by the Consumer.
* Perform the activities described to Consumers when collecting their Personal
Information or as set forth in the CCPA.
* Provide the Consumer with information, products, or services that have been
requested.
* Perform internal and external marketing.
* Carry out obligations and enforce contractual rights.
* Improve the services provided through the Website, such as through testing,
research, analysis, and development.
* Respond to requests from law enforcement and government organizations as
required by law, court order, or government regulation.
* Evaluate or conduct a merger, divestiture, restructuring, reorganization,
dissolution, sale, or other transfer of some or all of our assets whether on
an ongoing basis or as part of a discrete transaction in which collected
Personal Information is among the assets transferred.
Personal information will not be used for materially different purposes without
first providing the Consumer with notice.
Sharing and Sale of Personal Information
We may sell or disclose Personal Information provided to us by Consumers for a
business purpose. In the past 12 months, the following categories of Personal
Information have been sold or disclosed for a business purpose:
* Identifiers
* Categories of personal information described in subdivision (e) of California
Civil Code Section 1798.80
* Characteristics of protected classifications under California or federal law
* Commercial information
Consumers’ Personal Information is sold or disclosed for business purposes to
the following categories of third parties:
* Mortgage companies
* Banks
* Home improvement companies
* Attorneys
* Contact centers
* Email affiliates
* Media buyers
* Compliance vendors
Personal information for minors under 16 years of age is not collected,
disclosed for a business purpose or sold.
Consumers’ Rights
Consumers have several rights under the CCPA. These include:
* The right to know what categories and specific pieces of Personal Information
are collected, disclosed for a business purpose, or sold by requesting this
information from us.
* The right to request deletion of Personal Information collected or maintained
by us.
* The right to opt-out of the sale of Personal Information.
* The right not to receive discriminatory treatment from us for choosing to
exercise privacy rights under the CCPA.
* The right to designate an authorized agent for making requests under the CCPA
on the Consumer’s behalf.
Even after fulfilling a request for deletion, we are required to maintain
records for statutory compliance.
To submit a request to know or delete Personal Information, please either call
our toll-free telephone number (877) 623-0003 or complete the form provided
here. Once we have received a request, we work with Consumers to verify their
identities. As part of the verification process, we work with OneTrust.
Depending on the type of request submitted, OneTrust may request information
from the Consumer, such as an email address, phone number, or government issued
identification card. More information about OneTrust’s identification process is
found here. If a Consumer has asked an agent to exercise rights on the
Consumer’s behalf, the agent’s identity will need to be verified by providing a
writing from the Consumer designating the agent in addition to any information
requested through OneTrust.
To opt-out of the sale of Personal Information, please complete the form located
here.
CONTACT US
If you have any questions regarding this Privacy Policy, please
contact: info@rgrmarketing.com. You may write to use at HarpSubstitute.com,
ATTN: Customer Care, 8605 Santa Monica Blvd, Suite 44092 Los Angeles, CA
90069-4109
Revised Posting Date: January 3, 2020
RATE DISCLOSURE
MORTGAGE RATES AS LOW AS 3.125% (3.851% APR) – DISCLOSURE CURRENT AS OF
13-SEP-19.
* The advertised loan is a 5/1 ARM (Adjustable Rate Mortgage) with a 30-year
fully amortizing term from actual offers posted to consumers by Network
Lenders.
* After the initial period, the variable interest rate and payment will adjust
every year and equal the total of the 12-month LIBOR index (1.97% as of
13-Sep-19) plus a margin of 1.73%.
* The maximum periodic change in the interest rate is % with a maximum rate
increase of % above the initial interest rate.
* If the interest rate adjusted to the maximum rate (which could not occur
until after the fifth year), the maximum monthly payment would be $1,596.17
for $225,000.
* There is no prepayment penalty.
* The Annual Percentage Rate (APR) is variable and is subject to increase or
decrease, so your payments may increase or decrease each year after the
initial period.
DISCLOSURE ASSUMPTIONS
* Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value
ratio of 80% on a primary residence.
* The actual interest rate, APR and payment may vary based on the specific
terms of the loan selected, verification of information, your credit history,
the location and type of property, and other factors as determined by
Lenders.
* The initial interest rate is fixed for 5 years. The disclosed APR is based on
0 discount point, 0% origination fee and additional prepaid finance charges
which will be due at closing. First adjusted payment will likely increase to
approximately $1,186.72.
* Interest rate and APR are variable and subject to increase
* Not available in all states.
* Rates are subject to change daily without notice.
* Payment amounts shown do not include taxes, insurance or Private Mortgage
Insurance which will impact the monthly payment amount until required LTV is
met.
Opting Out
We respect your privacy. If you wish to request that you no longer want us to
share your personal information with our business partners, you may notify us by
submitting your email address below or by writing to us at the following
address:
Enter your email address:
Confirm your email address:
HarpSubstitute.com
ATTN: Customer Care
8605 Santa Monica Blvd
Suite #44092
Los Angeles, CA 90069-4109
Thank you,
Harp Substitute
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