Terms of service

The following Terms and Conditions apply to the use of this Web site as well as all transactions conducted through the site.

Copyright: Copyright © 2024. All rights reserved. 

Disclaimer: CampusMortgage, CampusFHA, CampusUnderwriter & CampusProcessor is a Florida corporation. We are not owned, operated or affiliated with HUD, FHA or the Federal Government in any way.

Use Of Site: BY REGISTERING FOR ANY CAMPUSMORTGAGE® TRAINING CLASS OR NAMU®/NAMP® CERTIFICATION PROGRAM YOU HEREBY ACKNOWLEDGE YOU HAVE FULLY READ AND ACCEPT THE ITEMS FOUND WITHIN THE CAMPUSMORTGAGE® TERMS OF USE (AS IDENTIFIED BELOW). BY USING OUR WEBSITE AND SERVICES YOU ARE ACCESSING A COMPANY LOCATED IN BROWARD COUNTY, FLORIDA.
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External Terms of Use Agreements:

1. NAMU® Terms of Use: As a NAMU® reseller, all NAMU® Certification programs offered for sale on CampusMortgage®’s website are conducted by NAMU®. As such, the Student is subject to the NAMU® Terms of Use & NAMU® Certification Handbook when completing a NAMU® Certification program purchased from CampusMortgage®.
2. NAMP® Terms of Use: As a NAMP® reseller, all NAMP® Certification programs offered for sale on CampusMortgage®’s website are conducted by NAMP®. As such, the Student is subject to the NAMP® Terms of Use & NAMP® Certification Handbook when completing a NAMP® Certification program purchased from CampusMortgage®.

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How To Contact Us: CampusMortgage, CampusFHA, CampusUnderwriter & CampusProcessor is a "for profit" Florida corporation with a mailing address at: Presidential Circle -- 4000 Hollywood Blvd. -- Suite 555-South -- Hollywood, FL 33021. You can email us at contact@campusmortgage.org or call us at (800)423-1510. You can also fax us at (954)323-7512.

Course Updates: Mortgage regulations & guidelines can change throughout the year. With that said, we make every effort to keep our students updated and do this in a variety of ways. We start with an annual review of each course to determine if full, partial or no revamping is needed, and will revise the course(s) once a year accordingly. We also include source links within each presentation, so students throughout the year can get updated on their own. We may also put together a supplemental “update” webinar when a MAJOR rule change occurs. For example, we published an “update” webinar when the DODD/FRANK Act first came into law because the new law required major guideline changes which affected the entire mortgage industry. Finally, we post weekly training videos and articles within our weekly e-newsletter, The Mortgage Standard, which often cover breaking mortgage news & proposed legislative changes.

Refund Policy: No refunds or credits will be issued if a student and/or customer has logged into any recorded/“live” webinar course or has requested a Certificate of Completion for the course/certification/bootcamp/bundled package purchased. If a student and/or customer has not logged into a recorded/“live” webinar course or has not requested a Certificate of Completion, the customer is entitled to a full refund (minus a $75 administrative cancellation fee) provided a refund request is received in writing or via e-mail by CampusMortgage® within (5) calendar days from the date of purchase. If a refund is issued to a customer, the customer will not be permitted to repurchase any NAMP®/NAMU®/CampusMortgage® product from NAMP®/NAMU®/CampusMortgage®, or its affiliate resellers. NOTE: there are no refunds on corporate sponsorship packages that include advertising, “brand awareness” initiatives, email marketing, banner ads, etc.
 
1-Year Access: Once a student enrolls, the student will have one year of access to the CampusMortgage® Online Training Portal & related services, which will start from when the student first logs into the CampusMortgage® Online Training Portal — not from date of purchase. This one-year period applies to the webinars, course materials, exams and customer support.

Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:

1) Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences.
2) The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The CampusMortgage® is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.
 
Discount/Special Offer Disclaimer: After a purchase is made, all discounts, special offers, bundled package deals & coupons cannot be combined/exchanged with any other current or future special offer, promotion, discount or group offer. NOTE: All special offers, vouchers & promotions are made available to all new and existing customers — for example, if your co-worker received a voucher (discounted price and/or package deal) from us, we will always honor that same voucher to you.

Training & Certification Disclaimer: CampusMortgage® is a Florida corporation, and all training & Certification offered through CampusMortgage® is for "professional development" and is further for informational purposes only (not to serve as licensure training or legal advice). Obtaining NAMU®/NAMP® Certification does not imply the Student is an "expert" or "licensed" in any mortgage related field -- it simply means the Student has taken online training classes and passed a 1-hour timed online proctored exam. It also does not guarantee the Student will find a job. CampusMortgage® does not provide job placement assistance. CampusMortgage® is not owned, operated or affiliated with HUD, FHA, VA, State Government or Federal Government in any way. NAMU®/NAMP® Certification is not a local, State or Federal Government issued Certification. NAMU®/NAMP® reserves the right, at any time, to strengthen and enhance the NAMU®/NAMP® Certification by changing curriculum and/or discontinuing any of the training classes included in the NAMU®/NAMP® Certification. NAMU®/NAMP® also reserve the right, at any time, to change the NAMU®/NAMP® Certification process and/or discontinue the NAMU®/NAMP® Certification altogether.

Certification - Hold Harmless/Indemnify: By proceeding forward with obtaining any NAMP®/NAMU® certification, you hereby agree to indemnify and hold harmless CampusMortgage, NAMP®/NAMU® and its employees, officers, directors, trustees, shareholders, affiliates, and agents (as it relates to your NAMP®/NAMU® certification) from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of (a) any negligent act or omission by you, or (b) any breach of any term contained in the NAMP®/NAMU® certification paperwork. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of your NAMP®/NAMU® certification.

Course Disclaimer: All CampusMortgage online training classes are "professional development" and are for informational purposes only (not licensing training). Obtaining a CampusMortgage Certificate of Completion does not imply you are an "expert" or "licensed" in any mortgage related field -- it simply means you've taken (X) hours of online training. We do not guarantee you will find a job. We do not provide job placement assistance. We are not owned, operated or affiliated with HUD, FHA or the Federal Government in any way. By registering for any NAMP® or NAMU® Certification program you hereby acknowledge you have fully read and accepted the Terms of Use and Certification Handbook provided by NAMP® and NAMU® respectively.

No Job Placement Provided: For those Students who are seeking to find a job within the mortgage industry CampusMortgage® does not provide job placement assistance of any kind. Aside from the current state of any given job market, there are many other factors that go into the Student securing a job after obtaining NAMU® Certification — which are out of NAMU®’s control (i.e. the Student’s professionalism, interpersonal skills, enthusiasm, employment track record, etc.). With this is mind, NAMU® does not provide job placement assistance, nor guarantee the Student will find a job.

Instructor Questions Not Permitted: We do not permit Students to ask questions directly to the instructors. However, we do include source links within each presentation, so students can gain further clarity on particular topics and get updates throughout the year on new rule/guidelines changes, etc.

Trademarks: All brand, product, service, and process names appearing on this Web site are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by CampusMortgage. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Online Store or any third party, except as expressly granted herein.

NAMU®/NAMP® Certification is NOT a License: NAMU®/NAMP® Certification is strictly a “professional development” training program – not a license.

Disclaimer of Liability: With respect to documents and information available from CampusMortgage®, CampusMortgage® does not make any warranty, expressed or implied, including the warranties of merchantability and fitness for a particular purpose arising out of the use or inability to use the documents and/or information provided by CampusMortgage®. CampusMortgage® further does not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately owned rights.

Disclaimer of Endorsement: Reference herein to any specific commercial products, process, or service by trade name, trademark, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by CampusMortgage®

Disclaimer for External Linkages: CampusMortgage® neither endorses links nor approves of links to external sources. External links are made available for the convenience of the Student. CampusMortgage® takes no responsibility for a link's operation or content.

Use of CampusMortgage®’s Services, Products, Websites & Online Store: Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Campusmortgage®'s Online Store, its subsidiaries and related entities (the “Company”) reserve the right to refuse service, terminate accounts, and/or cancel orders (e.g., CampusMortgage® training classes, NAMP®/NAMU® certification), in its sole discretion, including, without limitation, if the Company believes that a customer or potential customer’s conduct violates applicable law or may be deemed harmful to or interfere with the interests of the Company.

General: Each party hereto may terminate this Agreement at any time for any reason. Notwithstanding the foregoing, all obligations which arose under this Agreement prior to its termination will survive termination, including but not limited to, all representations, warranties, and covenants and indemnification obligations of the parties.

By accessing this Web Site, you have directed your system to a computer located in the State of Florida. This Agreement and services rendered shall be deemed to have been entered into and performed at Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) company headquarters in the State of Florida, and all questions concerning the validity, interpretation, or performance of any of its terms or provisions, or any rights, or obligations of the parties hereto, shall be governed by and resolved in accordance with the laws of the State of Florida, without giving effect to the principles of conflict of laws. You agree that the state courts located in Broward County, Florida shall be the venue and exclusive proper forum in which to adjudicate any case or controversy arising either directly or indirectly, under or in connection with this Agreement in the court. You agree not to contest or challenge the jurisdiction or venue of the court.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including without limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in full force and effect.

This Agreement constitutes the entire Agreement between you and Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) 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 Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) with respect to this Web Site. A printed version of this Agreement and of any notice given in electronic form 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.

The rights and obligations under this Agreement may not be assigned, including by operation of law, without the expressed written consent of Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor).

Failure or delay in exercising any right shall not act as a waiver of any right, nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No waiver of any of the provisions of this Agreement shall be deemed, or shall constitute, a waiver of any other provision, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by the party marking the waiver. Remedies herein are deemed as cumulative and nonexclusive of each other.

Nothing contained in this Agreement shall be deemed to create, nor shall this Agreement be construed so as to create, a joint venture, agency or employment relationship between Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) and member client.

This Agreement shall be construed as though drafted by both parties and shall not be construed against or in favor of any party.

Captions and paragraph headings herein are for convenience only, and shall not be used in construing this Agreement.

Any rights not expressly granted herein are reserved.

MODIFICATION OF THESE TERMS, CONDITIONS AND NOTICES: Mortgage University, Inc. (DBA CampusFHA, CampusMortgage, CampusUnderwriter, CampusProcessor) reserves the right, at any time and from time to time, to change the Terms, Conditions and Notices under which this Web Site is offered.
 
NOTE: On 02/01/23 Instructor Questions Phased Out: CampusMortgage® no longer permits Students to ask questions directly to the instructors; however, for all Students who registered prior to 02/01/23, CampusMortgage® will still permit the Student to ask questions to the instructors, pursuant to the CampusMortgage® Terms of Use here:CampusMortgage® allows Students to ask questions directly to the instructor for a period of one year from date of purchase, with a maximum of five (5) questions per class (not per module). The Student will receive only one (1) instructor response per question with no counter responses from the instructor. The Student will not be permitted to ask questions on any free classes provided to Student as part of a special offer or bundled package deal. If the Student submits a course concern; for example, a potential error with the grammar/calculations/forms/etc. and the Student would like a response from the instructor, that response from the instructor will count towards the allotted (5) responses per class. If the Student submits a course content suggestion/recommendation, CampusMortgage® will keep the suggestion/recommendation on file to be considered during that course’s annual review. NOTE: All course content suggestions/recommendations are subjective in nature and may not get implemented. The Student may not transfer any of the allotted (5) questions to another class or fellow Student. Only the registered Student may ask questions — not a colleague, family member, friend, fellow Student, etc. The Student’s question must pertain ONLY to the content in the course webinar and/or course materials -- not random mortgage-related questions. DUE TO LIABILITY REASONS, QUESTIONS MAY NOT PERTAIN TO A "LIVE" LOAN SCENARIO. When asking a question to a CampusMortgage® instructor, please keep in mind the instructor may not have the entire facts & background of the student’s question; therefore, we recommend the Student also utilize other resources such as FHA.gov, VA.gov, NMLS, CFPB, State Banking Department, etc. All answers provided to the student by a CampusMortgage® instructor are for informational purposes only and should not be taken as legal advice. By proceeding forward with asking a question to a CampusMortgage® instructor, the Student hereby agrees to indemnify and hold harmless CampusMortgage® and its employees, officers, directors, trustees, shareholders, affiliates, and agents from and against any and all liabilities, actions, claims, damages, costs, losses, and expenses, including, without limitation, reasonable attorneys’ fees & costs, arising out of (a) any negligent act or omission by the student or (b) any answer (information) given by a CampusMortgage® instructor pertaining to the Student’s question. This indemnification shall remain effective indefinitely and shall not terminate with the expiration or termination of the Student’s CampusMortgage® training class.
 
**Terms of Use Last Updated: 3/08/23