Legal Notice:
In the business of providing financial solutions for consumers, our customers from time to time seek our recommendations to professionals they need or want advice, counsel or to receive service from for a particular part of a transaction. Our industry is governed by the Department of Housing and Urban Development commonly referred to as HUD. HUD passed a law several years ago that is commonly referred to as RESPA (Real Estate Settlement Procedures Act). RESPA specifically prohibit mortgage lenders from giving "things of value" items or services of value to persons (real estate agents, attorneys, insurance, financial planning, taxation and other related professionals as well as consumers) in exchange for referrals of their clients for financing. The purpose of this regulation was and is to protect consumers and control costs associated with real estate transactions. Adding a referral fee or financial incentive to a referral, increases costs to consumers due to the fact that the costs for conducting business would need to be passed on to the consumer and that is one of the primary purposes of RESPA, to protect the consumer and keep costs under control. We want to earn the right to receive other professional's referrals by continuing to deliver exceptional service and through no interpretations want to attempt to BUY their business.
Our company refuses any attempt to give or receive any referral fees. Some professionals from time to time do mention the services of our company to their clients and some do not. All references are earned by providing exceptional customer service and are in no manner associated with a fee. There is no expectation or obligation for any professionals listed on our website to reciprocate or provide compensation to us in any way. Any professional listed on our website is in no way to be deemed as recommended (an example is the person at the top of the page is preferred, we do not post in any particular order) nor de we endorse in reciprocation of payment. A posting on this site is not conditional upon directing business to our business. We invite professionals to call our office if they would like to be listed here. However be aware that we interview and in some cases conduct background checks to ensure we are not referring our clients to potential criminals or those with complaints lodged on a state or federal level with organizations such as the Better Business Bureau. We feel it is our responsibility to associate with professionals whose commitment to customer service and professionalism is equal to or greater than our companies and allow our customer's access to those reputable professionals adhering to the same level of ethics and integrity.
We take the business of a referred client very seriously. We understand that we are an extension of the referring professional's reputation and guard as well as protect that reputation and take that responsibility as well as trust, very seriously. We understand that the receiving of a referral that is associating with needing to pay a referral fee to the referring source, would now place the consumer in the hands of the highest bidder who is not necessarily the best person for the job. We do not want our recommendations to be induced by our financial gain. All listed professionals have agreed to comply with all applicable federal, state and local laws and regulations, licensing and otherwise, regarding the performance of their respective responsibilities. No one posted on our site, through any interpretation shall be construed as constituting a partnership, joint venture, employment or agency relationship. Neither party shall be liable to the other for any misrepresentation or fraudulent act by a party's customer. We provide these listings as a public service to the professionals and consumers in the area as a free consumer service with no referral fees or obligations associated with any referral. For more information about our website please call our office.
