Terms of Use

When these Terms apply

These Terms govern your use of the public pages and public tools at stonerivermortgage.com. By accessing or using the public website after these Terms are made available, you use the website subject to these Terms. The public website does not ask you to check a box or click an “I agree” button for these Terms.

Stone River Apply is a separate account-based service. Creating a Stone River Apply account requires its own affirmative agreement to the Stone River Apply Terms of Use and Electronic Records Consent. A third-party website reached from this site has its own terms.

Mortgage information and public tools

The public website provides general mortgage information and tools that can create preliminary estimates, transaction summaries, and draft or administrative pre-approval materials from the information entered. Results can change when information is verified or when rates, fees, taxes, insurance, loan features, or underwriting requirements change.

A calculator result, estimate, transaction summary, pricing display, or other anonymous public-site output is not a Loan Estimate, approval, commitment to lend, rate lock, or guarantee of any rate, payment, cost, closing date, qualification, or loan term. A prequalification or pre-approval is not final loan approval and may be conditional on verification, underwriting, property review, and other requirements. A pre-approval document is effective only when Stone River Mortgage LLC has authorized it for the identified borrower and circumstances.

Review generated documents carefully and confirm important figures and the status of any application, prequalification, pre-approval, pricing, or rate lock directly with Stone River Mortgage LLC.

Acceptable use

Use the website only for lawful purposes. Do not interfere with its operation, probe or bypass security controls, attempt unauthorized access, submit malicious content, or use a generated document to misrepresent Stone River's approval or a person's loan status. Information you submit to generate a personalized document must be accurate and submitted with authority to use it for that purpose.

Reviews and third-party services

Reviews displayed on the homepage are supplied by Google Maps and attributed to their authors. They describe individual experiences and do not guarantee a rate, cost, approval, closing timeline, or financial result.

Google Maps features and content are governed by the Google Maps Platform Terms of Service and the Google Terms of Service. Links to Stone River Apply or another website open a separate service whose terms apply there.

Availability and responsibility

Stone River may correct, update, suspend, or discontinue public-site content or tools. The website may occasionally be unavailable or contain errors. To the extent permitted by applicable law, Stone River provides the public website as available and is not responsible for a decision made solely from a preliminary estimate or unverified public-site output. These Terms do not waive any right or remedy that cannot lawfully be waived.

Changes to these Terms

Stone River may update these Terms from time to time. The current version is continuously available on this page and displays its effective date. Unless applicable law requires separate notice, delivery, acknowledgment, or renewed assent, posting the revised version with a new effective date is the only notice Stone River provides. Please review the current version periodically.

If applicable law requires additional notice or assent for a change, Stone River will provide it. Stone River may use an in-product notice or require acceptance on the website or at the next login when that method is legally sufficient.

Contact

Questions about these Terms may be directed to Stone River Mortgage LLC at mike@stonerivermortgage.com or (612) 850-2018.