Last Updated: January 03, 2024

Welcome to 1StopMLO.com (“Website”). By accessing or using this Website, you agree to be bound by these Terms and Conditions (“Terms”), which govern your access to and use of all content, services, and functionalities offered herein. If you do not agree with these Terms, please discontinue use of the Website immediately.

1. Use of Website

This Website is intended solely for informational and educational purposes related to mortgage services offered by Christopher Crespo (NMLS #2040756) and 1StopMLO LLC.

Use of this Website does not constitute a mortgage loan application, approval, or commitment to lend. All loan originations are conducted exclusively through United Mortgage Corp (NMLS #1330), an Equal Housing Lender.

You agree not to:

Misrepresent your identity or provide false information on any contact or inquiry forms.
Use this Website for any unlawful purpose or to solicit the performance of illegal activity.
Copy, reproduce, or distribute Website content without prior written consent.

2. No Guarantee of Loan Approval

The information provided on this Website is general in nature and does not guarantee any specific loan product, approval, rate, or outcome. All loans are subject to underwriting approval and individual qualification by United Mortgage Corp.

3. Affiliation with United Mortgage Corp

Christopher Crespo is a licensed Mortgage Loan Originator with United Mortgage Corp.
1StopMLO LLC operates as an independent marketing and resource platform created and maintained by Christopher Crespo to educate, connect, and assist clients with mortgage and financial literacy resources.

All mortgage loans are originated and processed through United Mortgage Corp (NMLS #1330).
Use of this Website does not imply direct representation or commitment from United Mortgage Corp unless an official loan application has been submitted and acknowledged.

You are prohibited from:

Claiming any direct affiliation with United Mortgage Corp unless formally engaged through approved channels.
Misusing any logos, content, or affiliate materials belonging to United Mortgage Corp or 1StopMLO LLC.
Repurposing proprietary tools, language, or brand assets without permission.

4. Limitation of Liability

To the fullest extent permitted by law, 1StopMLO LLC, its owner(s), affiliates, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages that result from the use or inability to use the Website, including reliance on any information contained herein.

5. Intellectual Property

All Website content, including text, graphics, logos, and images, is the property of 1StopMLO LLC or its affiliates and is protected under applicable intellectual property laws. Unauthorized use is strictly prohibited.

6. Third-Party Links

This Website may contain links to third-party sites, including affiliate partners, referral sources, or service providers. These are provided for convenience only and do not constitute an endorsement. 1StopMLO LLC is not responsible for the content, privacy practices, or services provided by third parties.

7. Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of this Website after such changes constitutes acceptance of the updated Terms.

8. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions.

9. Dispute Resolution and Arbitration

Any disputes, claims, or controversies arising out of or relating to the use of this Website, services provided, or these Terms shall first be attempted to be resolved through informal negotiations. If not resolved within thirty (30) days, the matter shall be settled exclusively through final and binding arbitration under the rules of the American Arbitration Association (AAA).

You agree that:

You waive the right to a trial by jury or to participate in a class action.
Arbitration shall be conducted in the State of Connecticut.
Each party shall bear its own legal fees and arbitration costs unless otherwise ruled.
Either party may seek equitable relief in court to prevent misuse of intellectual property or confidential information.

10. Data Collection and Cookies

By using this Website, you consent to the collection and use of limited non-sensitive data (e.g., contact form submissions, cookies for performance tracking). We do not sell or share your personal data outside of our affiliate relationship with United Mortgage Corp. You may disable cookies in your browser at any time.

11. Partner and Affiliate Relationships

This Website may feature trusted partners, such as real estate agents, credit specialists, insurance professionals, and other service providers (“Partners”). These Partners operate as independent entities and are not employees, agents, or representatives of United Mortgage Corp or 1StopMLO LLC.

Referrals to or listings of these Partners are provided for informational purposes only and do not constitute an endorsement, guarantee, or warranty of their services. Any business conducted with these Partners is solely between you and the Partner, and 1StopMLO LLC and United Mortgage Corp assume no liability for the outcome of such interactions.

12. Featured Listings

Any real estate listings or property details featured on this Website (“Featured Listings”) are provided for informational purposes only.
1StopMLO LLC and United Mortgage Corp do not guarantee the accuracy, availability, or pricing of any listed properties.
All property information is provided by third-party agents or platforms and should be independently verified before making financial or real estate decisions.
Listing appearances do not imply ownership, partnership, or exclusive representation by 1StopMLO LLC or United Mortgage Corp.

13. Educational Content and Resources

All content, videos, articles, and tools available on this Website — including “Credit 101,” mortgage breakdowns, or any other resource — are intended for educational purposes only.
Such materials should not be construed as legal, financial, or tax advice.
For personalized guidance, please consult a licensed professional or contact United Mortgage Corp directly regarding specific loan products or eligibility.

Equal Housing Lender Notice

Equal Housing Lender. All loans are subject to credit and property approval. Programs, rates, and terms are subject to change without notice.

Contact Information

Christopher Crespo
Licensed Mortgage Loan Originator – NMLS #2040756
United Mortgage Corp – NMLS #1330
Email: ccrespo@1stopmlo.com
Phone: (203) 307-0016
Business Platform: 1StopMLO LLC (Marketing & Resource Site)
Location: Fairfield, CT 06824

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