Terms of Use
Revised 2025
National Rate is a registered tradename and trademark of Rate House Mortgage Company, Inc.
NMLS ID 1611117
1316 Bound Brook Road, Suite 1C, Middlesex, NJ 08846.
Toll Free: 1-888-917-2837
Thank you for visiting us. Rate House Mortgage Company, Inc. D/B/A National Rate permits the use of this website subject to the following terms and conditions, also known as our “Terms of Use.” Clicking on any of our webpages or otherwise engaging with us electronically or online, indicates your acceptance and agreement of these Terms of Use. Please read them carefully.
Electronic Communications
When you visit https://nationalrateredesign.edeninterface.com or any of our websites and when you send an email to us, you are communicating with Rate House Mortgage Company, Inc. D/B/A National Rate electronically and are also providing your consent to receive communications from Rate House Mortgage Company, Inc. D/B/A National Rate electronically. We will communicate with you by email, by phone, by SMS mobile messaging or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
SMS / MMS Mobile Text Messaging
By opting into SMS & MMS mobile text messaging through one of our web forms, websites, or other medium, you are hereby agreeing to receive SMS & MMS mobile text messages from Rate House Mortgage Company, Inc. and/or National Rate. This includes SMS & MMS mobile text messages for items we may need to request, services that may be required, documentation requests, provide market or product updates, program eligibility or to update your loan application or loan file, for appointment scheduling and reminders, instructions, or notifications.
Message frequency may vary. Frequency is based on individual circumstances and needs.
Message and data rates may apply.
See our privacy policy at www.nationalrate.com/privacypolicy for more information.
Message us HELP for customer service assistance.
Reply STOP to any message to opt out of SMS & MMS mobile text messaging.
Trademarks
Rate House Mortgage Company, Inc. D/B/A National Rate trademarks and trade dress may only be used with the express written consent of Rate House Mortgage Company, Inc. D/B/A National Rate and may not be used in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Rate House Mortgage Company, Inc. D/B/A National Rate. All other trademarks not owned by Rate House Mortgage Company, Inc. D/B/A National Rate or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Rate House Mortgage Company, Inc. D/B/A National Rate or its subsidiaries.
License & Site Access Authorization
Rate House Mortgage Company, Inc. D/B/A National Rate is granting you a limited license to access and make personal use of this site and not to download (other than page caching) or to modify any portion of it. This temporary license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose with. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of National Rate. You may not use any meta tags or any other “hidden text” utilizing National Rate’s name or trademarks without the express written consent of National Rate. Any unauthorized use shall automatically terminate any permission or license granted herein. You may not use any National Rate logo or other proprietary graphic or trademark as part of the link without express written permission.
User Account
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with the involvement of a parent or guardian. National Rate reserves the right to refuse service, terminate accounts, remove or edit content or cancel orders in their sole discretion. Should you require assistance in logging into the website, or for other technical assistance, please contact the following:
National Rate
1316 Bound Brook Road, Suite 2C,
Middlesex, NJ 08846
We, Rate House Mortgage Company, Inc. D/B/A National Rate may deny access to any user for any reason at any time. We reserve the right to engage with individuals based solely on our discretion.
Reviews – Comments – Email – Other Content
Visitors may post reviews, comments and other content, and submit suggestions, ideas, comments, questions or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false email address, impersonate any person or entity or otherwise mislead as to the origin of a post, comment or other content. National Rate reserves the right (but not the obligation) to remove or edit such content but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise in writing, you grant Rate House Mortgage Company, Inc. D/B/A National Rate a nonexclusive, royalty-free, perpetual, irrevocable and fully sub licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content throughout the world in any media. You grant Rate House Mortgage Company, Inc. D/B/A National Rate and sublicenses the right to use the name that you submit in connection with such content if they choose. You represent and warrant that you own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Rate House Mortgage Company, Inc. D/B/A National Rate, it’s officers, employees, agents and successors and assigns for any and all claims resulting from content you supply. Rate House Mortgage Company, Inc., D/B/A National Rate has the right but not the obligation to monitor and edit or remove any activity or content. National Rate takes no responsibility and assumes no liability for any content posted by you or any third party.
Product & Service Description
Rate House Mortgage Company, Inc. D/B/A National Rate attempts to be as accurate as possible. However, the information contained in this website is for general information purposes only and Rate House Mortgage Company Inc. D/B/A National Rate does not warrant that product/service descriptions or other content of this site is accurate, complete, reliable, current or error-free.
Website Ownership
This website is owned and operated by Rate House Mortgage Company, Inc. D/B/A National Rate, 1316 Bound Brook Road, Suite 2C, Middlesex, NJ 08846.
Date of Revisions
Rate House Mortgage Company, Inc D/B/A National Rate’s Terms and Conditions were last revised 03/15/2025. Please check for future revisions.
Processing Time / Duration
We make no guarantees in terms of processing time or duration for any loan, application or other information or service that we provide or that may be provided by any of our vendors. Though we will make every effort to ensure that information is processed as quickly as possible, in order to ensure that information is processed correctly and in light of the fact that there may be circumstances beyond our control which prevents the timely processing of information, applications, etc., the user agrees to indemnify and hold harmless National Rate for any delays in processing information submitted and processed through the website, and/or other damages allegedly related to submission of information to and/or through the website.
Intellectual Property
The information and content available on the Website including but not limited to trademarks, logos, and service marks, text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and organization thereof (the “Content”) is the property of Rate House Mortgage Company, Inc D/B/A National Rate, its partners or licensors, and is protected by United States and international laws, including laws governing copyrights and trademarks.
Except were applicable by law; Neither the content nor any portion of the website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.
You shall have no right to use Rate House Mortgage Company, Inc D/B/A National Rate’s processes or technology for any purpose other than accessing the website and using the services offered. Use of the website does not transfer from National Rate to you any National Rate technology, and all rights, titles and interests in and to any National Rate technology and all services shall remain solely with National Rate. You shall not, directly or indirectly, reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from any of the National Rate technology if such reverse engineering, DE compilation, or disassembly is intended to create, or will be used in, a competitive product.
Third Party Links
Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites or may display information on your computer screen from other web sites, which are not maintained by National Rate. Such web sites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this web site. Links to other Internet services and web sites are provided solely for the convenience of users. A link to any service or web site is not an endorsement of any kind of the service or web site, its content, or its sponsoring organization.
Rate House Mortgage Company, Inc D/B/A National Rate AND ITS CORPORATE PARENTS, AFFILIATES, AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEB SITE, TO WHICH THIS SITE IS LINKED AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY National Rate. IT IS THE SOLE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON ANY LINKED SITE. ALL INFORMATION, PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.
Indemnification
In no event will Rate House Mortgage Company, Inc. D/B/A National Rate be liable for any direct, indirect, incidental, special, punitive or consequential losses, damages or expenses of any kind whether the claimed damages or losses are based in tort, contract or any other theory of law, arising in any way or in connection with this website or use thereof, including, but not limited to failure of performance, omission, error, defect, interruption, failure to process, delay, computer virus, system failure, even if National Rate is made aware of the alleged damages or losses including all third party claims. You agree to indemnify and hold harmless Rate House Mortgage Company, Inc D/B/A National Rate for all damages and losses as described above relating to your use of the website.
Consent to Electronic Delivery
You specifically agree to receive and/or obtain all disclosures, notices, information and communications via email, posting on our website or other electronic delivery rather than and instead of paper documents. This includes, but is not limited to, all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your use of the website. You acknowledge that, for your records, you can use the website to retain these communications by printing and/or downloading and saving these Terms and Conditions and any other agreements and electronic communications, documents, or records that you agree to in your use of the website. You accept electronic communications provided via Rate House Mortgage Company, Inc. D/B/A National Rate as reasonable and proper notice, for the purpose of all laws, rules, and regulations, and agree that such an electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep. To this agreement described herein or if you require paper documents of any of the above, please contact:
National Rate
1316 Bound Brook Road, Suite 2C,
Middlesex, NJ 08846
Applicable Law
By visiting nationalrate.com or any other website owned and operated by Rate House Mortgage Company, Inc. D/B/A National Rate; you agree that the laws of the State of New Jersey without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Rate House Mortgage Company, Inc D/B/A National Rate. You further agree that any action at law or in equity arising out of or relating to these Terms of Use or this website shall be filed only in the state or federal courts located in Middlesex County, NJ, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating any such action.
Disputes
Any controversy or claim arising out of or relating to your use of the website, and/or any alleged damages or losses thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
Any dispute between the parties must be submitted to binding arbitration administered in the State of New Jersey.
You agree that any effort to resolve any dispute will be conducted on an individual basis, and that you waive any right to have any dispute heard in a class action or any other proceeding in which any party seeks to or does act in a representative capacity.
Regardless of any statute or law to the contrary, any claim or cause of action against National Rate arising out of or related to use of your use of the website or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or will be barred.
Entire Agreement
This Agreement constitutes the entire agreement between you and Rate House Mortgage Company, Inc D/B/A National Rate governing your use of the website and supersedes any prior and contemporaneous agreements between you and Rate House Mortgage Company, Inc D/B/A National Rate with respect to the subject matter above.
General
You acknowledge and agree that these Terms of Use constitute the complete and exclusive agreement between us concerning your use of this website. You further agreed that these Terms of Use will supersede and govern all prior proposals, agreements, or other communications. Nothing contained in these Terms of Use shall be construed as creating any agency, partnership, or other form of joint enterprise between a user and Rate House Mortgage Company Inc. D/B/A National Rate. Our failure to require your performance of any provision hereof shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms of Use shall be unenforceable or invalid under any applicable law or be so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render these Terms of Use unenforceable or invalid as a whole but these Terms of Use shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision and with the remaining terms remaining enforceable and binding upon all users.
Electronic Agreement
You have the right to receive loan documents and disclosures in electronic form. By utilizing this website or communicating with us electronically, you consent to Electronic Communications.
Your consent means that your disclosures, loan documents, and any other communications (referred to collectively as “Documents & Information”) related to the services that you have requested from us or to the processing, underwriting, and closing of your application or your requested loan; may be provided to you through the Rate House Mortgage Company, Inc. D/B/A National Rate websites and/or via email or SMS mobile messaging (“Electronically”). To access and retain the Documents Electronically you will need to use a computer with the same capabilities you are using now and will need to be able to open and view Adobe Acrobat Reader. You have the right to withdraw consent, and you may request paper copies of any Documents without charge by contacting us at (888) 917-2837 or emailing us at hello@nationalrate.com. You should also keep us informed of any change in your e-mail or street mailing address by contacting us at (888) 917-2837 or hello@nationalrate.com.
By agreeing to these terms and conditions you are confirming that you do agree to receive Documents Electronically and that you do have the ability to do so through computer software and hardware.
By continuing, you electronically agree to allow Rate House Mortgage Company, Inc. D/B/A National Rate to view your credit history.
If you have any questions regarding the Terms and Conditions, please contact us at:
National Rate
1316 Bound Brook Road, Suite 2C, Middlesex, NJ 08846
Disclaimer
The information contained in this website is for general information purposes only. It is believed to be reliable, but Rate House Mortgage Company, Inc. D/B/A National Rate does not guarantee its completeness, timeliness or accuracy. To the fullest extent permissible under applicable law, Rate House Mortgage Company, Inc. D/B/A National Rate disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and because of individual conditions. Not all products and services are offered at all locations. In no event will National Rate be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
If you have been referred by another website (including but not limited to any social media site), the information contained in the referring website is for general information purposes only. The information contained there has not been reviewed or approved by Rate House Mortgage Company, Inc. D/B/A National Rate. and is provided solely and exclusively by the site’s author. National Rate makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Through the referring website you may be able to link to other websites which are not under the control of Rate House Mortgage Company, Inc. D/B/A National Rate. Rate House Mortgage Company, Inc. D/B/A National Rate has no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
You acknowledge and agree that Rate House Mortgage Company, Inc. D/B/A National Rate is not, and shall not be, responsible for the results of any defects that may exist in this website or its operation. As to the operation of this website, Rate House Mortgage Company, Inc. D/B/A National Rate expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warrant of merchantability and fitness for a particular purpose.
Contact Us
You can contact us with any questions at hello@nationalrate.com or 888-917-2837.
