Terms & Conditions

Welcome to STL Loan Advisors LLC. These Terms & Conditions ("Terms") govern your use of the STL Loan Advisors LLC website, borrower portal, online mortgage application, communications, and related services.

By accessing or using our website or services, you agree to these Terms. If you do not agree with these Terms, you should not use the applicable website or online services.

STL Loan Advisors LLC ("STL Loan Advisors," "we," "us," or "our") is a mortgage brokerage company that assists consumers and business-purpose borrowers with obtaining mortgage financing from third-party lenders.

STL Loan Advisors LLC is a mortgage broker and is not the lender unless expressly disclosed otherwise in connection with a particular transaction. Loan products are provided by third-party lenders and are subject to the lender's underwriting requirements, credit approval, property approval, program availability, and other conditions.

NMLS ID: 2579573
Business Address: 2528 State Highway K, Ste 204F, O'Fallon, MO 63368
Phone: (217) 691-5400
Email: jack@stlloanadvisors.com

Additional licensing information may be provided on our website or through NMLS Consumer Access.

Information provided through our website, borrower portal, advertisements, emails, text messages, loan scenarios, calculators, or communications does not constitute a commitment to lend or a guarantee that a particular loan will be approved.

A loan is not approved, closed, or funded until all applicable underwriting requirements have been satisfied and the lender has issued the appropriate approval and funding authorization.

Prequalification, preapproval, eligibility results, automated findings, rate quotes, scenarios, or estimates are subject to change based on information including, but not limited to:

• Credit history and credit scores; 
• Income and employment; 
• Assets and reserves; 
• Property type and condition; 
• Appraisal or property valuation; 
• Title review; 
• Insurance; 
• Loan-to-value ratio; 
• Debt-to-income ratio; 
• Debt service coverage ratio, when applicable; 
• Occupancy; 
• Investor or lender guidelines; 
• Market conditions; and 
• Verification of information supplied by the applicant. 

Mortgage rates, pricing, lender credits, discount points, fees, and loan program availability may change without notice.

Any rate, payment, loan amount, cash-to-close figure, or other loan term displayed on our website or provided in preliminary communications is an estimate unless specifically identified as a locked or final term in applicable loan documents.

An interest rate is not considered locked merely because it has been quoted or discussed. Rate locks are subject to lender requirements, availability, expiration dates, and written confirmation.

Actual loan terms will be reflected in the disclosures and loan documents provided in connection with your transaction.

Any mortgage calculators, investment-property calculations, payment estimates, projected returns, cash-flow estimates, debt service coverage calculations, or similar tools provided by STL Loan Advisors are for informational and illustrative purposes only.

Results are based on the information entered and assumptions used. Actual payments, taxes, insurance, association dues, interest rates, rents, expenses, investment returns, and other amounts may differ.

Nothing produced by a calculator or scenario tool constitutes financial, tax, investment, accounting, or legal advice.

You agree that information you submit in connection with a mortgage inquiry or application will be accurate and complete to the best of your knowledge.

Mortgage lenders may independently verify information provided during the application and underwriting process, including information concerning income, employment, assets, liabilities, credit, ownership, occupancy, property characteristics, insurance, and other matters relevant to the requested financing.

Providing false, misleading, or materially incomplete information in connection with a mortgage application may result in denial or cancellation of the application and may have other legal consequences.

Acceptance of these Terms by itself does not constitute authorization for STL Loan Advisors or a lender to obtain your credit report.

When credit authorization is required, you will be provided with a separate authorization, disclosure, application acknowledgment, or consent process as applicable.

By providing separate authorization, you authorize the parties identified in that authorization to obtain and use consumer reports and other information for the purposes described therein.

As a mortgage broker, STL Loan Advisors may submit or present your loan to one or more third-party mortgage lenders based on your circumstances and requested financing.

Your transaction may also involve third parties such as mortgage lenders and investors, credit reporting agencies, appraisal management companies and appraisers, title and settlement companies, insurance providers, verification providers, loan servicing companies, technology providers, and other parties involved in processing, underwriting, closing, funding, or servicing a mortgage loan.

Those organizations may have their own terms, privacy policies, disclosures, and requirements.

STL Loan Advisors does not control the independent acts or policies of third-party companies.

Certain loans arranged by STL Loan Advisors may be for business-purpose or investment-property transactions rather than consumer-purpose transactions.

Business-purpose loans may be subject to different underwriting requirements, disclosures, servicing practices, prepayment provisions, and legal requirements than consumer-purpose mortgage loans.

Borrowers should carefully review all loan documents before closing and obtain independent legal, tax, or financial advice when appropriate.

You may communicate with STL Loan Advisors electronically through our website, borrower portal, email, or other electronic systems.

Where required by applicable law, electronic delivery of legally required disclosures will be subject to any separate electronic-consent process presented to you.

You are responsible for maintaining accurate contact information and for notifying us if your email address, telephone number, mailing address, or other relevant contact information changes.

STL Loan Advisors LLC may offer text-message communications to individuals who affirmatively opt in to receive SMS or MMS messages from us.

Messages may relate to your mortgage inquiry, mortgage application, loan transaction, or relationship with STL Loan Advisors and may include:

• Responses to mortgage inquiries; 
• Application reminders; 
• Requests for documents or information; 
• Notifications that documents are available; 
• Loan-processing updates; 
• Underwriting and condition updates; 
• Appraisal-related notifications; 
• Rate-lock or loan-status information; 
• Appointment reminders; 
• Closing and funding updates; 
• Customer-service communications; and 
• Other communications related to services you requested from STL Loan Advisors. 

By separately providing your mobile telephone number and affirmatively opting in to the STL Loan Advisors LLC SMS program, you consent to receive text messages from STL Loan Advisors LLC at the number you provided.

Consent to receive text messages is not a condition of applying for, obtaining, or purchasing mortgage brokerage services or any other product or service from STL Loan Advisors LLC.

SMS consent is separate from acceptance of these general Terms & Conditions. Where an online application or form contains an SMS opt-in checkbox, the SMS consent option is voluntary and may be declined without preventing you from proceeding with the underlying mortgage inquiry or application.

Message frequency varies depending on the status of your inquiry or mortgage transaction and your communications with us.

You may receive more frequent messages while a loan application is actively being processed or approaching closing and fewer or no messages when there is no active transaction.

Message and data rates may apply.

Your wireless carrier's standard messaging, data, and other charges may apply to messages you send or receive. STL Loan Advisors is not responsible for charges imposed by your wireless carrier.

You may opt out of receiving SMS messages from STL Loan Advisors LLC at any time by replying:

STOP

to a message from us.

After submitting an opt-out request, you may receive a final confirmation message indicating that you have been unsubscribed. You will no longer receive messages through that SMS program unless you subsequently provide consent to opt in again.

For assistance with SMS communications, reply:

HELP

to a message from us.

You may also contact STL Loan Advisors LLC at:

Phone: (217) 691-5400
Email: jack@stlloanadvisors.com

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and other communications providers. Delivery is not guaranteed and may be affected by factors outside the control of STL Loan Advisors.

Mobile telephone numbers, SMS opt-in information, and SMS consent information will not be sold or shared with third parties or affiliates for their marketing or promotional purposes.

We may disclose information to vendors and service providers when reasonably necessary to deliver messaging services, operate our systems, process your mortgage transaction, comply with law, or otherwise provide services you have requested, subject to our Privacy Policy and applicable law.

For additional information regarding how STL Loan Advisors collects, uses, and protects personal information, please review our Privacy Policy:

https://stlloanadvisors.com/privacy-policy

Providing an email address or telephone number to STL Loan Advisors may allow us to contact you regarding a mortgage inquiry, application, existing transaction, requested service, or other communication you initiate, subject to applicable law and any consent requirements.

Marketing communications will be handled in accordance with applicable consent, opt-out, and communications laws.

Opting out of marketing communications does not necessarily prevent STL Loan Advisors from sending communications that are necessary to service an active mortgage inquiry or transaction through other legally permitted communication methods.

Your use of our website and services is also governed by our Privacy Policy.

The Privacy Policy describes how we collect, use, disclose, maintain, and protect information associated with your interactions with STL Loan Advisors.

Privacy Policy:

https://stlloanadvisors.com/privacy-policy

We make reasonable efforts to provide accurate information on our website. However, mortgage programs, lender guidelines, interest rates, fees, eligibility requirements, laws, regulations, and other information may change.

We do not warrant that every item of website content will always be current, complete, or error-free.

If website content conflicts with an applicable loan disclosure, lender guideline, loan agreement, promissory note, security instrument, closing document, or applicable law, the controlling document or law will govern.

Information provided by STL Loan Advisors concerning mortgage financing is intended to assist customers in evaluating mortgage loan options.

Unless expressly stated otherwise, STL Loan Advisors does not provide legal, tax, accounting, financial-planning, or investment advice.

You should consult qualified professionals concerning the tax, legal, accounting, or investment consequences of a transaction.

The website and its content, including text, graphics, logos, designs, software, calculators, databases, presentations, and other materials created by or for STL Loan Advisors, may be protected by copyright, trademark, and other intellectual-property laws.

You may use our website and materials for your personal or internal business purposes relating to your mortgage transaction.

You may not reproduce, republish, distribute, scrape, systematically download, reverse engineer, sell, license, or commercially exploit proprietary materials without our written authorization, except where permitted by law.

You agree not to use our website, borrower portal, applications, or systems to:

• Submit fraudulent or intentionally misleading information; 
• Attempt to gain unauthorized access to accounts or systems; 
• Introduce viruses, malware, or harmful code; 
• Interfere with the security or operation of our services; 
• Harvest personal information; 
• Impersonate another person; 
• Violate applicable law; or 
• Use automated systems to access or extract information in a manner that materially burdens or disrupts our services. 

We may restrict access when reasonably necessary to protect our customers, systems, business, or legal rights.

Our website and services may contain links to or integrate with third-party websites, portals, software, payment systems, mortgage technology platforms, or other services.

Links and integrations are provided for convenience and functionality and do not necessarily constitute an endorsement of every product, statement, or practice of the third party.

Use of third-party services may be subject to separate terms and privacy policies.

To the fullest extent permitted by applicable law, our website and general informational services are provided on an "as available" basis.

STL Loan Advisors does not guarantee uninterrupted availability of websites, borrower portals, text messaging, email systems, or other electronic services.

Nothing in this section modifies any rights or obligations established by applicable mortgage laws, loan documents, required disclosures, or other rights that cannot lawfully be waived.

To the fullest extent permitted by applicable law, STL Loan Advisors will not be liable for indirect, incidental, consequential, special, or punitive damages arising solely from your use of or inability to access our website or general online services.

This provision does not limit liability where limitation is prohibited by law and does not alter any duties or remedies provided under applicable federal or state mortgage, consumer-protection, privacy, or other laws.

To the extent permitted by applicable law, you agree to indemnify and hold STL Loan Advisors harmless from claims or losses resulting from your unlawful use of our website or systems, your intentional misuse of the services, or information you knowingly provide that is fraudulent or materially false.

This section does not require you to indemnify STL Loan Advisors for its own violation of applicable law.

STL Loan Advisors conducts its mortgage brokerage activities in accordance with applicable federal and state fair-lending and nondiscrimination laws.

We do not discriminate in mortgage-related services on a prohibited basis under applicable law.

Equal Housing Opportunity.

Mortgage products and brokerage services are offered only in jurisdictions where STL Loan Advisors LLC and the applicable mortgage loan originator are properly licensed, registered, exempt, or otherwise authorized to conduct the relevant activity.

Availability of particular loan programs may vary by state and property location.

For licensing information, consumers may visit NMLS Consumer Access and search for STL Loan Advisors LLC using NMLS ID 2579573.

We may revise these Terms periodically to reflect changes in our services, technology, legal requirements, or business practices.

The revised version will be posted on our website with an updated Effective Date.

Changes will apply prospectively except where applicable law permits or requires otherwise.

These Terms will be governed by the laws of the State of Missouri, without regard to conflict-of-law principles, except to the extent that federal law or the law of another jurisdiction is required to apply.

Nothing in these Terms is intended to waive rights that cannot legally be waived under applicable federal or state law.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

These Terms govern use of our website and general services but do not replace or modify mortgage disclosures, loan agreements, privacy notices, lender documents, rate-lock agreements, electronic-consent disclosures, credit authorizations, or other agreements that apply to a particular mortgage transaction.

When a transaction-specific agreement or legally required disclosure conflicts with these general Terms, the transaction-specific document will govern with respect to that subject.

Questions regarding these Terms & Conditions may be directed to:

STL Loan Advisors LLC
2528 State Highway K, Ste 204F
O'Fallon, MO 63368

Phone: (217) 691-5400
Email: jack@stlloanadvisors.com
NMLS ID: 2579573

Privacy Policy: https://stlloanadvisors.com/privacy-policy

Effective Date: September 19, 2026