Terms and Conditions

Welcome to Joyful Home Lending LLC, a licensed mortgage brokerage located at 1400 16th St, Ste 400, Denver CO 80202. By accessing and using our services, you agree to the following Terms and Conditions. These terms are designed to govern the use of our website (joyfulhomeloan.com) and all related services provided by Joyful Home Lending LLC.

Services Provided Joyful Home Lending LLC provides the following services:

  • Loan consultation.

  • Loan application assistance.

  • Connecting clients with lenders for various types of loans, including:

    • Purchase loans.

    • Refinance loans.

    • Commercial loans.

    • Rehab & construction loans.

Eligibility By using our website or services, you confirm that you are at least 18 years of age and capable of entering into binding contracts.

Account Registration If required, users may need to create an account to access certain services. You agree to provide accurate and complete information during registration. You are solely responsible for maintaining the confidentiality of your login credentials.

Fees and Payment

  • Fees: Joyful Home Lending LLC does not charge fees directly to clients for the services rendered.

  • Payments: We do not accept any payments from customers. All payments for mortgage-related services are handled by third-party lenders.

Data Privacy and Protection

  • We are committed to safeguarding your personal information. Your data will be secured through password protection and encryption methods.

  • By using our services, you consent to the collection and use of your personal information as described in our Privacy Policy.

Client Responsibilities

  • You agree to provide accurate, complete, and up-to-date information throughout the loan application process.

  • You are responsible for meeting deadlines and ensuring all required documentation is provided in a timely manner.

Third-Party Services

  • We collaborate with third-party lenders, real estate agents, and credit bureaus to provide our services. We are not responsible for the actions or omissions of these third parties.

Limitation of Liability

  • Our liability is limited to the services we directly provide. Joyful Home Lending LLC is not responsible for any torts, errors, or misrepresentations by third parties involved in the mortgage process, including but not limited to lenders, real estate agents, and credit bureaus.

Dispute Resolution

  • Any disputes arising from or related to these Terms and Conditions shall be governed by the laws of the State of Colorado.

  • Disputes will be resolved through binding arbitration, and the location for arbitration will be in Denver, Colorado.

Modifications to Terms

  • We reserve the right to modify or update these Terms and Conditions at any time. You will be notified of any significant changes through our website or by direct communication.

Governing Law

  • These Terms and Conditions shall be governed by the laws of the State of Colorado, without regard to its conflict of laws principles.

Contact Information If you have any questions about these Terms and Conditions, please contact us at:

  • Email: info@joyfulhomeloan.com

  • Phone: (720) 499-4743

  • Address: 1400 16th St, Ste 400, Denver CO 80202