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Terms And Conditions

Effective Date: 6/25/2025
Exact Lenders, LLC
Licensed Mortgage Broker in Minnesota

Welcome to ExactLenders.com, the official website of Exact Lenders, LLC (“Exact Lenders,” “we,” “our,” or “us”). By accessing or using this website, including any tools, calculators, forms, or applications provided, you (“you,” “your,” or “User”) agree to be bound by the following Terms and Conditions. Please read them carefully.

  1. Company Information & Licensing

Exact Lenders, LLC is a Minnesota-licensed mortgage brokerage, not a direct lender. We are licensed and regulated by the Minnesota Department of Commerce.

  1. Use of Website

This website is intended for individuals 18 years or older residing in Minnesota or other states where Exact Lenders is authorized to operate. By using this website, you warrant that you are legally able to enter into a binding contract and that any information you provide is accurate and complete.

You agree not to:

  • Use this site for any unlawful purpose.
  • Attempt to gain unauthorized access to protected systems or user data.
  • Submit false or misleading information in any form or application.
  1. Mortgage Tools and Rate Checkers

Our website may include:

  • Mortgage calculators
  • Loan comparison tools
  • Rate-checking forms
  • Document upload and prequalification applications

These tools are for informational and illustrative purposes only. They do not constitute an offer, prequalification, or loan commitment. Actual rates, terms, and loan eligibility will be determined through a full application and credit evaluation by an approved third-party lender.

  1. Document Upload and Online Applications

Users may upload financial and personal documents via secure file transfer tools for the purpose of initiating a mortgage inquiry or application.

By uploading documents, you acknowledge that:

  • You are submitting them voluntarily.
  • The information may be shared with relevant third parties (e.g., lenders, title companies, credit bureaus) solely for the purpose of processing your request.
  • Exact Lenders takes reasonable measures to protect uploaded data through encryption and access controls, but no system is 100% secure.
  1. No Guarantee of Loan Approval

Submitting an application or using our online tools does not guarantee loan approval. All loans are subject to:

  • Full credit and underwriting review
  • Income, employment, and asset verification
  • Compliance with federal lending standards and individual lender guidelines

Loan products and availability may vary by lender, borrower profile, and property type.

  1. Equal Housing Opportunity

Exact Lenders, LLC is an Equal Housing Opportunity company. We comply fully with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and Minnesota anti-discrimination laws. We do not discriminate in any credit transaction based on:

  • Race
  • Color
  • Religion
  • Sex
  • Marital or familial status
  • National origin
  • Disability
  • Source of income or public assistance status
  1. Privacy and Security

Your use of this website is also governed by our [Privacy Policy], which explains how we collect, use, and protect your personal data. We use Secure Socket Layer (SSL) encryption and other safeguards to protect your information during transmission and storage.

You are responsible for keeping your login credentials (if applicable) confidential.

  1. Third-Party Links

Our website may contain links to third-party tools, mortgage lenders, credit bureaus, or service providers. We are not responsible for the content, accuracy, or privacy practices of any linked websites. Use them at your own risk.

  1. Intellectual Property

All content on this site—including text, tools, software, images, and branding—is the intellectual property of Exact Lenders, LLC or its licensors. You may not copy, reproduce, or distribute any content without express written permission.

  1. Limitation of Liability

To the maximum extent permitted by law, Exact Lenders, LLC is not liable for:

  • Any inaccuracies or errors in the content or tools provided.
  • Any damages resulting from reliance on information obtained from this website.
  • Any loss or damage arising from technical issues, delays, or data breaches not caused by our gross negligence.
  1. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law rules. Any disputes shall be resolved in the state or federal courts located in Hennepin County, Minnesota.

  1. Modifications to These Terms

We may update or modify these Terms at any time. Updates become effective upon posting. Continued use of the Website after changes are made constitutes your acceptance of those changes.

  1. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact:

Exact Lenders, LLC
5620 Trenton Lane N

Plymouth MN 55442
Phone: 7633218705
Email: info@exactlenders.com
Website: https://www.exactlenders.com

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