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Terms & Conditions

Welcome to Maryland DownPayment Assistance (“Company,” “we,” “our,” or “us”). By accessing or using this website, submitting forms, or opting into communications, you agree to the following Terms & Conditions.

If you do not agree with these terms, do not use this website.

1. Website Purpose

Maryland Down Payment Assistance provides information, education, and consultation services related to down payment assistance programs, homebuyer resources, and mortgage-related opportunities within the State of Maryland.

We are not a lender unless explicitly stated. We may connect users with licensed mortgage professionals, real estate professionals, or housing program representatives.

Information provided on this website is for informational purposes only and does not constitute financial, legal, or tax advice.

2. Eligibility

You must be at least 18 years old to use this website or submit any personal information.

By using this site, you confirm that:

  • You are at least 18 years old
  • You are a resident of the United States
  • All information you provide is accurate and truthful

3. No Guarantee of Approval

Submission of information through this website does not guarantee:

  • Loan approval
  • Down payment assistance approval
  • Program eligibility
  • Specific interest rates
  • Funding availability

All approvals are subject to underwriting guidelines, credit evaluation, program requirements, and lender discretion.

4. SMS Terms & Conditions

By submitting your phone number through any form on this website, you expressly consent to receive SMS text messages from Maryland Down Payment Assistance and its representatives.

A. Description of SMS Use Cases

We may send SMS messages related to:

  • Appointment confirmations
  • Application status updates
  • Requests for documentation
  • Follow-up communications
  • Customer support
  • Homebuyer education reminders
  • Program updates
  • Marketing and promotional communications (if opted in)

B. Message Frequency

Message frequency varies depending on your level of engagement and service requests.

C. Message & Data Rate Disclosure

Message and data rates may apply based on your wireless carrier plan. Maryland Down Payment Assistance is not responsible for carrier charges.

D. Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP

After you send STOP, you will receive a confirmation message and will no longer receive SMS messages from us unless you opt back in.

For assistance, reply:

HELP

Or contact us at the information listed below.

E. Customer Support Contact

For SMS support or questions, contact:

Email: jsalem@allwestern.com
Phone: (443) 902-4917

F. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

5. Privacy Policy

Your use of this website is also governed by our Privacy Policy.

You can view our Privacy Policy here:
https://marylanddownpaymentassistance.org/privacy-policy/

By using this site and submitting information, you consent to the collection and use of your data as outlined in our Privacy Policy.

6. Third-Party Services

We may share your information with:

  • Licensed mortgage lenders
  • Housing counseling agencies
  • Real estate professionals
  • Program administrators
  • Technology service providers

We are not responsible for third-party policies, decisions, or outcomes.

7. Intellectual Property

All website content, including text, branding, graphics, and materials, is the property of Maryland Down Payment Assistance and may not be copied, reproduced, or distributed without written permission.

8. Disclaimer of Warranties

This website and its contents are provided “as is” without warranties of any kind.

We do not guarantee:

  • Accuracy of program information
  • Availability of funding
  • Continuous website availability
  • Error-free content

Users rely on information at their own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Maryland Down Payment Assistance shall not be liable for any:

  • Indirect damages
  • Incidental damages
  • Consequential damages
  • Financial losses arising from the use of this website

Your sole remedy for dissatisfaction is to discontinue use of the website.

10. Indemnification

You agree to indemnify and hold harmless Maryland Down Payment Assistance and its affiliates from any claims, damages, or expenses arising from your misuse of the website or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to conflict of law principles.

Any disputes shall be resolved in the courts located within Maryland.

12. Modifications

We reserve the right to update or modify these Terms at any time. Continued use of the website constitutes acceptance of any changes.

13. Contact Information

marylanddownpaymentassistance.org
Maryland Down Payment Assistance
16 HUNTERS POINT, MILLSBORO, DE 19966
Phone:(443) 902-4917
Email: jsalem@allwestern.com