Privacy, Terms & Compliance Disclosures

Mortgage Advisory Scope: References to “mortgage advisor,” “mortgage advisory” or the “Imperium Mortgage Advisory Experience” describe mortgage education, scenario modeling and residential mortgage-origination services provided by or under the supervision of appropriately licensed mortgage loan originators. These services do not include investment, tax, legal, accounting, insurance, real-estate brokerage or comprehensive financial-planning advice.

Imperium Mortgage LLC is a licensed mortgage broker. Imperium delivers a Mortgage Advisory Experience through educational mortgage-planning content, scenario modeling, explanations of available mortgage programs and tradeoffs, and individual review by licensed mortgage loan originators.

A licensed mortgage loan originator serving as a mortgage advisor may perform regulated mortgage activity only within the individual’s current licensed or authorized scope. Eligibility review, transaction-specific pricing, prequalification, preapproval, application support, and loan-origination activity must be handled by an appropriately licensed mortgage loan originator.

Website calculators, planning tools, readiness checks, knowledge-base search, and scenario models are tools—not advisors. Their outputs are educational planning results and do not determine eligibility, select the best option, approve credit, provide transaction-specific pricing, or replace complete-file review.

The terms “mortgage advisor” and “Mortgage Advisory Experience” do not mean that Imperium or an MLO is acting as a financial adviser, investment adviser, wealth adviser, retirement adviser, fiduciary, tax adviser, legal adviser, insurance adviser, or estate-planning adviser.

Imperium does not provide financial-planning, investment, securities, wealth-management, retirement-planning, fiduciary, tax, legal, insurance, or estate-planning advice. Consumers should consult the appropriate independent qualified professional for those matters.

Imperium Mortgage LLC is an Equal Housing Opportunity Lender. Company NMLS ID #1900572.

Imperium Mortgage LLC is licensed or authorized to conduct residential mortgage activity only in states where the company and applicable mortgage loan originators hold required licenses, registrations, or authorizations.

Current website materials identify Maryland, District of Columbia, Florida, Pennsylvania, Texas, and Virginia as service jurisdictions, subject to current NMLS records, state requirements, program availability, lender or investor guidelines, and underwriting restrictions.

Known licensing references include: Maryland Mortgage Lender License #24327. Virginia: Licensed by the Virginia State Corporation Commission as a Mortgage Broker, License #MC-7055. Texas: the Texas consumer complaint and recovery-fund notice is available through the Texas Consumer Complaint Notice link below.

Consumers should verify current company, branch, and mortgage loan originator licensing through NMLS Consumer Access before relying on any licensing representation on this website.

Licensing, loan-program availability, and state availability may change without notice.

Imperium Mortgage LLC collects and uses submitted website information to respond to inquiries, evaluate requested mortgage scenarios, route requests to appropriate licensed mortgage professionals, preserve lead-source context, support business operations, and maintain compliance records.

Information may be submitted through contact forms, scenario-review forms, rate-watch forms, calculator flows, partner forms, referral forms, secure application links, or other website tools.

Detailed information about data collection, information sharing, cookies, analytics, service providers, retention, safeguards, privacy choices, and privacy contacts is available in our Privacy Policy.

Imperium Mortgage does not sell submitted contact information to unrelated third-party marketers for their own independent marketing.

Do not submit full Social Security numbers, bank credentials, tax returns, bank statements, sensitive identity documents, full financial records, or non-requested personal records through general website forms. Formal applications, credit authorization, underwriting documents, and sensitive records should be submitted only through the secure application or document path provided by Imperium Mortgage.

This website is provided for general informational, educational, mortgage-planning, and inquiry-submission purposes.

Website content, calculators, rate references, scenario tools, affordability estimates, equity monitors, refinance break-even models, cash-out models, renovation tools, knowledge-base content, and readiness wizards are not a substitute for professional review of a complete mortgage scenario.

Website information does not constitute:

• A Loan Estimate.
• A Closing Disclosure.
• A loan approval.
• A preapproval.
• A commitment to lend.
• A rate lock.
• A credit decision.
• Legal advice.
• Tax advice.
• Investment advice.
• Estate-planning advice.
• Financial-planning advice.
• A promise that any borrower will qualify for a specific loan program, rate, payment, fee, credit, term, or closing-cost structure.

Users are responsible for entering accurate information into website tools. Imperium Mortgage may update, correct, remove, or replace website content at any time to reflect licensing, compliance, operational, investor, lender, or market changes.

Users may not copy, scrape, reverse engineer, overload, attack, bypass, misuse, or attempt unauthorized access to website forms, lead-routing systems, APIs, calculators, intake workflows, CRM records, security controls, or operational systems.

Automated scraping, spam submissions, fraudulent entries, false identities, malicious code, unauthorized access attempts, or attempts to interfere with website performance are prohibited.

Internal administrative systems, CRM records, customer files, vendor systems, employee workflows, and back-office tools are private operational systems and are not part of any public website license.

This website may use cookies, local storage, analytics tools, embedded maps, campaign parameters, referral parameters, form analytics, and similar technologies.

These technologies may be used to operate the website, remember site preferences, understand page performance, measure calculator and form usage, preserve lead-source attribution, identify broken pages or technical errors, improve website usability, understand which pages, campaigns, or referral sources led to an inquiry, protect against fraud, spam, and misuse, and support marketing measurement where permitted.

Lead attribution may include page visited, button clicked, form submitted, calculator used, campaign source, referral source, UTM parameters, approximate timestamp, general device or browser information, and interaction context.

Users can manage cookies through browser settings. Blocking cookies may affect analytics, attribution, embedded maps, interactive tools, or form behavior, but core public website content should remain reasonably accessible where possible.

If this website uses third-party analytics, advertising pixels, retargeting tags, or conversion APIs, Imperium Mortgage should configure those tools to avoid intentionally transmitting sensitive mortgage application information, full Social Security numbers, bank credentials, tax returns, bank statements, identity documents, or underwriting documents to advertising platforms.

More information about cookies, analytics, attribution, service providers, and privacy choices is available in the Privacy Policy.

Imperium Mortgage may contact users by phone, email, or text message when a user submits a form, requests contact, begins a scenario review, starts a rate-watch request, asks for loan information, submits a referral or partner inquiry, or begins an application path.

General website browsing, calculator use, or interaction with modeling tools does not by itself authorize automated marketing calls or marketing text messages.

Where required, Imperium Mortgage will request separate affirmative consent before sending automated calls, prerecorded calls, artificial-voice calls, or marketing text messages.

If a form includes a communications consent checkbox, the checkbox will be unchecked by default and will clearly explain the type of communication authorized. Consent is not required to purchase goods or services.

Form consent language: “By checking this box and submitting this form, I authorize Imperium Mortgage LLC, NMLS ID #1900572, to contact me about my inquiry at the phone number and email address I provided, including by call, text message, or email. Calls or texts may use automated technology where permitted by law. Consent is not required to purchase goods or services. Message and data rates may apply. Reply STOP to opt out of text messages or HELP for help.”

If text messaging is active, Imperium Mortgage maintains SMS-specific disclosures including message purpose, message frequency, opt-out instructions, help instructions, carrier-fee notice, privacy-policy reference, consent records, and applicable carrier-registration requirements.

Users may opt out of text messages by replying STOP where SMS is active. Users may request help by replying HELP where SMS is active.

Operational, transactional, application-related, compliance-related, or service-related communications may still be sent where permitted by law.

Imperium Mortgage's calculators, scenario modelers, rate monitors, knowledge-base search, renovation tools, readiness wizards, intake flows, and rate-watch features are website utilities provided for educational planning and inquiry routing.

These tools are not standalone financial software sold or licensed to consumers.

Tool outputs are based on user-entered information, assumptions, estimates, market references, and website logic. Outputs may be incomplete, outdated, inaccurate, or inapplicable to a user's final loan scenario if the information entered is incomplete or if market, underwriting, lender, investor, property, or borrower conditions change.

Users may not copy, scrape, reverse engineer, misuse, overload, frame, resell, republish, or attempt to bypass website tools, forms, lead-routing systems, APIs, security checks, CRM workflows, or operational systems.

Automated submissions, spam entries, fraudulent inquiries, unauthorized access attempts, credential misuse, malicious code, and interference with website performance are prohibited.

Imperium Mortgage may monitor website activity to maintain security, prevent misuse, protect system performance, preserve attribution, and support compliance recordkeeping.

Any rates, APRs, payment examples, cash-to-close estimates, refinance savings estimates, debt-consolidation estimates, home-equity illustrations, investment-property projections, or rate-watch references displayed on this website are illustrative unless expressly provided in a formal disclosure after application.

Displayed benchmark rates, market references, or example payments may change without notice and may not be available when a user applies, locks a rate, or closes a loan.

Actual terms depend on the complete borrower profile, property details, credit review, verified income and assets, loan program, lender guidelines, state rules, market conditions, investor requirements, and underwriting.

If a page displays a specific rate, APR, payment amount, down payment, loan amount, loan term, finance charge, number of payments, closing-cost assumption, or refinance-savings claim, that page should include a clear nearby disclosure explaining the assumptions used and stating that the example is not an offer, approval, commitment, or rate lock.

For educational purposes only. Estimates shown by website tools are not a Loan Estimate, approval, rate lock, or commitment to lend. Rates, APRs, payments, fees, taxes, insurance, mortgage insurance, credits, and cash-to-close figures are illustrative and may change. Final terms require a complete application, credit authorization where applicable, verified borrower and property information, lender/investor review, and required disclosures.

Imperium Mortgage may provide informal scenario review, educational modeling, rate-watch support, or pre-application guidance before a user completes a formal application.

Informal website tools and lite intake forms are not intended to delay or avoid required mortgage disclosures.

A mortgage application may be triggered when the required application information is received, including the consumer's name, income, Social Security number for credit-report purposes, property address, estimated property value, and mortgage loan amount sought.

If a website flow, secure application, or loan professional receives information that triggers formal disclosure obligations, the file should be routed through the appropriate application and disclosure process.

Users should not enter Social Security numbers or sensitive identity information into general website forms. Credit authorization and formal application information should be submitted only through the secure application path provided by Imperium Mortgage.

Imperium Mortgage may maintain relationships with real estate professionals, builders, CPAs, attorneys, financial planners, insurance professionals, settlement-service providers, referral partners, technology vendors, and other business contacts.

Imperium Mortgage does not pay or accept referral fees, kickbacks, or things of value in exchange for the referral of settlement-service business.

Any partner, referral, co-marketing, marketing-service, vendor, or service-provider arrangement should be based on actual services performed, fair market value, written documentation where appropriate, and applicable RESPA and state-law requirements.

Consumers are not required to use any particular real estate agent, title company, settlement agent, attorney, insurance provider, lender, or other settlement-service provider as a condition of working with Imperium Mortgage, except where a provider is required by law, investor guideline, or underwriting requirement.

Imperium Mortgage is an Equal Housing Opportunity Lender.

Imperium Mortgage does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, receipt of public assistance, exercise of rights under consumer credit laws, military status where protected, or any other basis prohibited by applicable federal, state, or local law.

Website forms, calculators, intake questions, and scenario-routing tools are intended to support mortgage inquiry review and should not be used to discourage applicants or prospective applicants on a prohibited basis.

Imperium Mortgage will not pull a consumer credit report based solely on general website browsing or calculator use.

A consumer credit report should be obtained only with a permissible purpose and appropriate authorization through the applicable application or credit-review process.

If credit information is used in connection with a mortgage decision, pricing decision, denial, counteroffer, or other credit-related action, required notices may apply, including adverse-action notices, risk-based pricing notices, credit-score disclosures, or other notices required by law.

Loan programs, rates, fees, credits, terms, down-payment options, documentation options, and qualification requirements vary by borrower, property, state, lender, investor, and market conditions.

Program availability may change without notice.

Imperium Mortgage may broker loans through wholesale lenders, investors, or other funding channels. Wholesale access does not guarantee approval, the lowest available rate, a specific lender, or a specific loan structure.

Files cannot be formally assigned for underwriting review until the required application, credit authorization where applicable, and supporting documentation have been completed through the appropriate secure channel.

Final eligibility, pricing, fees, credits, conditions, and approval depend on full application review, verified borrower information, verified property information, lender or investor guidelines, applicable law, and underwriting.

FHA, VA, USDA, and other government-backed loan programs are subject to agency guidelines, lender overlays, property eligibility, borrower eligibility, occupancy rules, funding fees, mortgage insurance, guarantee fees, geographic restrictions, income limits where applicable, and underwriting review.

Imperium Mortgage is not a government agency.

Website references to FHA, VA, USDA, or other government-backed programs are educational and do not imply government endorsement, approval, or affiliation.

Reverse mortgage information is provided for educational planning only.

Reverse mortgage borrowers remain responsible for property taxes, homeowners insurance, HOA dues where applicable, property maintenance, occupancy requirements, and other loan obligations. Failure to meet these obligations may cause the loan to become due and payable.

HECM reverse mortgages require required counseling and formal disclosures.

Reverse mortgage decisions may affect estate planning, heirs, Medicaid or public-benefit considerations, tax matters, and long-term housing plans. Users should consult appropriate legal, tax, financial, or estate-planning professionals before making decisions.

Home equity loans, HELOCs, cash-out refinances, and refinance strategies involve costs, risks, liens against the property, possible payment changes, and qualification requirements.

A refinance may increase the total finance charges over the life of the loan, extend the repayment term, reset amortization, affect escrow arrangements, or change the borrower's overall debt position.

Any break-even estimate, cash-out estimate, payment-reduction estimate, or debt-consolidation illustration is informational only and depends on final loan terms, closing costs, payoff amounts, property value, credit profile, income verification, and underwriting.

Debt consolidation through mortgage financing may reduce monthly payments but may increase the total amount paid over time or convert unsecured debt into debt secured by the home.

DSCR, Non-QM, bank-statement, 1099, ITIN, foreign-national, and investment-property loan options may involve different underwriting standards, pricing, reserves, documentation requirements, down-payment requirements, prepayment penalties where permitted, and occupancy restrictions.

These programs are not available in all states or for all borrowers.

Investment-property projections, rental-income assumptions, and DSCR calculations are estimates and are not guarantees of rental performance, property value, approval, or investment return.

Foreign-national, ITIN, and alternative-documentation programs may require additional identity, residency, asset, reserve, property, or documentation review.

Imperium Mortgage intends for its website to be accessible to users with disabilities.

Users who experience difficulty accessing content, disclosures, forms, calculators, or links should contact Imperium Mortgage for assistance.

Imperium Mortgage maintains accessible headings, readable contrast, keyboard navigation, descriptive links, form labels, error messages, focus states, alternative text, and disclosure placement that is not dependent only on hover states or visual cues.

Questions about this Compliance Hub, website disclosures, licensing, communications, privacy, accessibility, or mortgage inquiry handling may be directed to:

Imperium Mortgage LLC, 8115 Maple Lawn Blvd, Suite 350, Fulton, MD 20759.

Main Phone: (301) 364-4500. Toll-Free: (844) 744-5626.

Company NMLS ID #1900572. Licensing can be verified through NMLS Consumer Access.