These Terms of Service ("Terms") govern your use of Smart-N-Loans.com (the "Site"), operated in connection with Equity Smart Home Loans. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
The Site provides general information about mortgage loan programs, educational content, and a means to contact Kelly Nadeau and Ray Nadeau, licensed Florida mortgage loan officers, for a private consultation. Nothing on the Site is an offer to lend, and use of the Site does not create a lender-borrower relationship.
Information on this Site — including rates, programs, calculators, and examples — is for general informational purposes only and is not a commitment to lend or a guarantee of financing. All loans are subject to credit approval, underwriting, and program guidelines, and not all applicants will qualify. Content on this Site is not financial, tax, or legal advice; consult a qualified professional for advice specific to your situation.
You must be at least 18 years old to use this Site. If you submit information through a form on this Site, you agree to provide accurate, current, and complete information.
All content on this Site — including text, graphics, logos, and images — is owned by or licensed to Equity Smart Home Loans and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.
You agree not to use the Site to: violate any applicable law; transmit harmful code or attempt to gain unauthorized access to the Site or its systems; scrape or harvest data from the Site without permission; or impersonate any person or entity.
This Site may link to third-party websites, including our sibling brands CertainlySold.net, FLHomesMagazine.com, ElderPlacement.agency, and AgencyAILab.com. We do not control and are not responsible for the content or privacy practices of external sites.
The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, Equity Smart Home Loans, Smart-N-Loans, and their loan officers will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site.
You agree to indemnify and hold harmless Equity Smart Home Loans, Smart-N-Loans, and their officers and loan officers from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the Site.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles, without limiting any rights Equity Smart Home Loans has under California law as a California-licensed lender.
We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
Kelly Nadeau, FL Broker BK3344334, NMLS #1027618 · Ray Nadeau, FL Broker BK3344407, NMLS #1027617 · 321-321-9455 · Smart-N-Loans.com
Equity Smart Home Loans · NMLS #856170 · DRE #01906808 · FL Lic. MBR-2341
1499 Huntington Dr Suite 500, South Pasadena, CA 91030
Private consultation with Kelly or Ray Nadeau. No obligation, no application, no pressure.
📞 321-321-9455 · Kelly Nadeau FL Broker BK3344334, NMLS #1027618 · Ray Nadeau, FL Broker BK3344407, NMLS #1027617