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LegalThese terms govern your use of this website. Please read them together with our Privacy Policy.
Last updated September 15, 2026
This website is operated by Stellar Mortgage Corporation (“Stellar Mortgage,” “we,” “us”), a mortgage lender headquartered at 729 Grove Ave., Second Floor, Southampton, PA 18966. Company NMLS #2190975. You can verify our licensing at NMLS Consumer Access. Our current state licenses are listed on the Licensing page.
By accessing or using this website, or by submitting any form on it, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the site. We may update these terms from time to time; the date at the top reflects the current version, and continued use after a change means you accept the updated terms.
Nothing on this website is a commitment to lend, an offer to extend credit, a loan approval, a pre-approval, a rate quote, or a rate lock. Information about loan programs, rates, payments, assistance programs, loan limits, and eligibility is general in nature, may change without notice, and varies by state, property, and applicant. All loans are subject to a complete application, credit approval, underwriting review, satisfactory appraisal, property eligibility, and program guidelines in effect at the time of the loan. Not all applicants will qualify.
Calculators and payment illustrations on this site are estimates for educational purposes only. They rely on assumptions and on figures you enter, and your actual costs, payments, taxes, insurance, and mortgage insurance will differ.
The short forms on this site collect basic information so that a licensed loan officer can contact you. Submitting one is an inquiry, not a loan application, and does not create an obligation on either side. A loan application is made only through our secure application portal or directly with a licensed loan officer, and only after you provide the information required by federal law to constitute an application.
Do not send Social Security numbers, account numbers, pay stubs, tax returns, or other sensitive documents through the forms on this site or by ordinary email. Use the secure portal or the method your loan officer provides.
When you submit a form and check the consent box, you agree that Stellar Mortgage and its loan officers may contact you at the phone number and email address you provide, by phone call, text message, and email, including with automated dialing or texting technology and prerecorded messages, about your inquiry and related mortgage products and services. Your consent is not a condition of purchasing any property, goods, or services, and not a condition of obtaining a loan. Message and data rates may apply. Reply STOP to any text message to opt out of texts, or tell your loan officer, and you can unsubscribe from marketing email using the link in the message. Opting out of marketing does not stop communications needed to process a loan you have applied for.
You agree that information you submit is true and complete to the best of your knowledge, that you are at least 18 years old, and that you are the owner or authorized user of any phone number or email address you provide. Providing false information in connection with a mortgage inquiry or application may have legal consequences.
The content of this site, including text, graphics, logos, photographs, page layouts, and software, is owned by or licensed to Stellar Mortgage and is protected by copyright, trademark, and other intellectual property laws. “Stellar Mortgage” and the Stellar star mark are trademarks of Stellar Mortgage Corporation. You may view, download, and print pages for your own personal, non-commercial use in connection with considering our services. You may not reproduce, republish, distribute, modify, frame, or create derivative works from any part of the site without our written permission.
The site links to third-party websites and services, including our secure application portal, government housing agencies, and NMLS Consumer Access. Those sites have their own terms and privacy practices, which we do not control. A link is not an endorsement. Our secure application portal is operated for us by a service provider under its own terms, which you will see when you begin an application.
You agree not to use the site for any unlawful purpose; to submit inquiries on behalf of anyone without their authorization; to submit false, misleading, or automated form entries; to interfere with the site's operation or security; to scrape or harvest content or personal information; or to attempt to gain unauthorized access to any system connected to the site.
The site and its content are provided “as is” and “as available.” To the fullest extent permitted by law, Stellar Mortgage disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components, or that information on the site is current or complete at any given time.
To the fullest extent permitted by law, Stellar Mortgage and its officers, employees, loan originators, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits, lost savings, or lost opportunities, arising out of or related to your use of or inability to use the site or any content on it, or your reliance on any estimate, illustration, or general information on the site, even if we have been advised of the possibility of such damages. Nothing in these terms limits liability that cannot be limited under applicable law, including under federal and state consumer financial protection laws that govern our lending activity.
You agree to indemnify and hold harmless Stellar Mortgage and its officers, employees, and agents from claims, losses, and expenses, including reasonable attorneys' fees, arising from your violation of these terms or your misuse of the site.
Stellar Mortgage is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, marital status, age (provided the applicant has the capacity to contract), receipt of income from a public assistance program, or good-faith exercise of rights under the Consumer Credit Protection Act.
Licensing and state-specific disclosures appear in the footer of every page and on the Licensing page. Where a state notice conflicts with these terms, the state notice controls for residents of that state. This site is not authorized by the New York State Department of Financial Services; no mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
These terms are governed by the laws of the Commonwealth of Pennsylvania and applicable federal law, without regard to conflict-of-law rules, except where the law of your state of residence requires otherwise for consumer protections that cannot be waived. Any dispute relating to use of this website will be brought in the state or federal courts located in Bucks County, Pennsylvania, and you consent to their jurisdiction. This section governs website use only; the terms of any loan are governed by the loan documents and the law applicable to them.
We work to keep this site usable by people with disabilities. If you have difficulty using any part of it, contact us using the details below and we will provide the information or assistance you need in another way. See our Accessibility page.
Questions about these terms, or about anything on this site, can be directed to:
Stellar Mortgage Corporation
729 Grove Ave., Second Floor
Southampton, PA 18966
(877) 545-3811 · (267) 241-9900
Company NMLS #2190975
Compliance review: this page was drafted for launch and should be reviewed by Stellar Mortgage's compliance officer or counsel before production, together with the Privacy Policy and the consent language on the inquiry form.
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