Advertising Disclosures

Advertising Disclosures

Last Updated: January 2025

LoiNow (“LoiNow,” “we,” “our,” “the Company”) is committed to providing accurate, transparent, and compliant advertising Disclosures in accordance with:

• FTC Truth-in-Advertising Rules
• FTC Dot-Com Disclosures
• GLBA
• Business-Purpose Lending Exemptions
• State-specific advertising requirements

All marketing, rate displays, loan terms, testimonials, and program descriptions on LoiNow.com and in communications must be read in accordance with the disclosures below.

1. No Advertisement is a Commitment to Lend

Any loan information presented on LoiNow.com — including interest rates, sample payments, maximum LTV, LTC, ARV percentages, timelines, and program summaries —

does NOT constitute:

• A commitment to lend
• Guaranteed approval
• Guaranteed loan terms
• An offer of credit

A Letter of Intent (LOI) or term sheet is not binding and is always subject to full underwriting.

2. All Loans Are Business-Purpose Only

LoiNow provides financing exclusively for:

• Real estate investors
• Developers
• Commercial borrowers
• Business entities
• Investment-purpose loans

LoiNow DOES NOT offer:

• Consumer mortgages
• Personal loans
• Household or family-use financing
• Owner-occupied residential loans

As required by regulation, all borrowers must certify business-purpose intent.

3. Rates, Terms & Examples Are Estimates Only

Any rate, payment example, leverage maximum, or loan program guideline displayed on:

• LoiNow.com
• Social media
• Email marketing
• PDFs or downloadable guides
• Phone or SMS communication

is illustrative only and subject to:

• Property collateral review
• Borrower qualification
• Market conditions
• Capital availability
• Underwriting guidelines

Actual results may differ.

4. Third-Party Fees & Costs

Loan-related costs such as:

• Appraisals
• BPOs
• Title insurance
• Escrow/closing fees
• Construction draw inspections
• Recording fees
• Legal documentation fees

are not controlled by LoiNow and may vary by vendor or region.

5. Testimonials & Reviews

Testimonials, success stories, and borrower statements shown on LoiNow.com:

• Represent real experiences
• May not represent typical outcomes
• Do not guarantee similar results
• Are provided voluntarily
• Are not compensated unless explicitly stated

The FTC prohibits misleading testimonial claims. LoiNow complies with all related guidelines.

6. Results Will Vary

Real estate investment outcomes depend on factors outside LoiNow’s control, including:

• Market changes
• Property condition
• Construction issues
• Borrower management decisions
• Contractor performance
• Local permit timelines

We do not guarantee profit, resale success, or investment performance.

7. Errors & Omissions

Despite best efforts, advertising materials may contain:

• Typos
• Outdated rate examples
• Technical errors
• Third-party inaccuracies

LoiNow reserves the right to correct or update information without notice.

8. No Legal, Tax, or Financial Advice

Any educational content, blog posts, or examples provided by LoiNow:

❌ are NOT financial advice
❌ are NOT investment recommendations
❌ are NOT legal or tax guidance

Always consult qualified advisors before making financial decisions.

9. FTC Dot-Com Disclosure Compliance

LoiNow follows FTC rules requiring:

• Clear and conspicuous disclosures
• Mobile-first readability
• Accessible disclaimers
• No misleading or hidden qualifiers
• Transparent representation of loan programs

We avoid:

• Hidden footnotes
• Unclear terminology
• Deceptive omissions
• Misrepresentations of performance
  

10. Marketing & Lead Source Transparency

LoiNow may use:

• Paid advertising
• Referral partners
• Broker channels
• Online campaigns
• Content marketing
• Retargeting (non-personalized)

LoiNow does not sell personal information.

Certain lead sources may receive a referral fee where legally allowed.
Referrals do not affect underwriting fairness.

11. Contact Information for Advertising Concerns

For questions regarding advertising, accuracy, or compliance:

📧 Loi@LoiNow.com
Subject Line: Advertising Disclosure Inquiry

Legal Disclaimer

This page is provided for informational purposes only and does not constitute legal advice. LoiNow may update this disclosure at any time to ensure compliance with FTC, GLBA, and state advertising laws.