Terms and Conditions

Terms and Conditions

Your use of the National City web site constitutes your agreement without modification to all of the following terms, conditions and notices. If you do not agree with our Terms of Use, your sole remedy is to discontinue your use of this web site.

Copyrights & Trademarks

The contents of this site are the property of National City Corporation unless otherwise indicated, and protected by copyright and trademark laws. All rights are reserved by National City and the content of the web site may not be produced, downloaded, disseminated, published, or transferred without the prior written permission of National City. The trademarks, logos and service marks displayed on the web site are the property of National City and other parties.

Availability of Products and Services

The products and services described on this web site are available only in the United States and other countries where permitted by law. Products and services may not be available in all geographic areas. All products and services are subject to change without notice.  All loans are subject to credit approval and property appraisal.  The terms of your loan may need to be adjusted after application depending on the housing market conditions where the subject property is located as well as investor property valuation guidelines.

No Unlawful or Prohibited Use

As a condition of your use of this web site, you warrant to National City that you will not use this web site or any information contained on the web site for any purpose that is unlawful or prohibited by these Terms of Use, and that you will not access this web site or use materials or services available on this web site from territories where such access or use is illegal.

Links to Other Internet Sites

This web site may contain links to other web sites operated by third parties. National City provides links to other sites as a service to users. The linked sites are not under the control of National City or its affiliates or subsidiaries, and National City is not responsible for the content available on the third-party sites. Such links do not imply National City's endorsement or approval of material on any other site. It is the user's responsibility to take precautions to ensure that material selected from such linked sites is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. National City is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such linked sites, or reference to or reliance on information contained therein.

Tools and Calculators

This web site may contain tools and calculators. National City provides tools and calculators as a service to users, for educational purposes only. National City does not guarantee the accuracy of the calculators or the results. National City is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

No Warranties

Use of this web site and its contents are at the user's sole risk. National City assumes no responsibility for consequences from the use of the information herein, or in any respect for the content of such information, including, but not limited to, delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. National City is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference or reliance on such information.

INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT WILL NATIONAL CITY OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OF OR THE INABILITY TO USE THE WEB SITE, SITE CONTENT OR ANY PRODUCTS OR SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY.

Modifications

National City reserves the right to change the Terms of Use and modify the contents of the web site without notice.

Governing Law

You agree that disputes arising out of or relating to the contents or use of this web site are to be governed by the laws of the State of Ohio, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Ohio in all disputes arising out of or relating to the contents or use of this web site.

General

If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and the remainder of the agreement shall continue in full force and effect.

This agreement constitutes the entire agreement between you and National City with respect to the use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and National City with respect to this web site. A printed version of this agreement shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

General Website Disclaimer

Results calculated throughout this website are based on limited information you have provided, our assumption that your credit history is in good standing and on current  rates, terms and product offerings.  All programs, rates, terms and fees are subject to change without notice until your loan transaction is locked with us.   Your actual loan will be subject to credit approval including but not limited to verification of your income, assets, credit history, property appraisal and title review.  If after locking your loan, the subject property is determined to be in a declining value market as stipulated by investor guidelines, the terms of your loan may need to be altered according to your specific investor’s Declining Market Policy.  All first lien loan quotes assume that secondary financing does not apply.  Rates may change after settlement for adjustable rate mortgage products.  Not all National City Mortgage products are available on-line.  Not all loan options are available in all states.  Please contact us toll free at (877) 508-3339, Monday-Friday from 9:00 a.m.- 6:00 p.m. EST if you want to discuss additional program options.

For refinance and home equity transactions, the subject property cannot have been listed for sale during the previous 6 months.  For second homes and investment properties, the maximum aggregate loan balance for any Borrower is limited to $2,000,000.

Any loan quotes or savings information provided on this site is not intended to offer tax, legal or financial advice.  Please consult with qualified professionals to discuss your situation including the deductibility of interest.