By accessing and using buyersedgehome.com, you agree to these Terms of Use. They are short in substance: this is a reference site, it sells nothing and arranges nothing, and what you read here is general information about named mechanisms rather than advice about your property, your contract or your loan.
General information only
Everything published here is provided for general informational and educational purposes. It is not legal advice, real estate advice, lending or mortgage advice, insurance advice, engineering advice, tax advice, or advice of any other professional kind. Reading this site, emailing us, or acting on something written here creates no professional, advisory, agency, fiduciary or client relationship between you and the publisher. No service of any kind is available through this website.
This site performs no inspections and negotiates nothing
This site performs no inspections, schedules none and quotes none. It does not negotiate, draft, review or submit anything on anyone's behalf, and it refers no one. It has no access to any report, contract, amendment, notice, closing file, loan file, property record or licensing record, and no ability to intervene with an inspector, a builder, a seller, an agent, a brokerage, an escrow or title company, an insurer or a lender. Nothing published here is an offer to act for you in any capacity.
No affiliation
Any organization, agency, commission, loan program, form or document named on this site is named for identification and reference only. Naming a state commission, quoting a promulgated form or describing a program's limit does not imply membership, accreditation, approval, sponsorship or endorsement in either direction. All trademarks and service marks remain the property of their respective owners, and their use here is nominative — identification and commentary.
In particular, this site is not affiliated with, endorsed by or a continuation of any business that previously used this domain name. Any similarity of name is a consequence of the domain describing the subject.
Accuracy, and what changes
A careful effort is made to keep this material accurate and traceable to primary sources, but the underlying documents move. Promulgated contract forms are revised and given new version numbers. Program handbooks are reissued, sometimes with renumbered sections. Administrative rules are amended. Agencies reorganize their websites and the address that supported a sentence last year returns an error this year. Statements here reflect the sources as read at the time of writing, and the authoritative version of any public document is the one published by the body that issued it, not our summary of it.
Jurisdiction-specific and program-specific material
Some pages describe the rules of a particular state or the limits of a particular loan program to show how a mechanism works in practice — an option fee, a promulgated amendment, a contribution ceiling, a holdback requirement. Those examples are used because they are well documented, not because they apply where you live or to the loan you are using. Do not assume that a state-specific or program-specific rule described here governs your transaction, and do not assume that the absence of a rule here means your state or your program has none.
No warranty
This site and everything on it are provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, completeness or non-infringement. There is no warranty that the site will be available without interruption, that it is free of errors, or that any external document it cites will remain where it was when the citation was made.
Limitation of liability
Your use of this site is at your own risk. To the fullest extent permitted by law, buyersedgehome.com, its publisher and its authors are not liable for any direct, indirect, incidental, consequential, special or punitive loss or damage arising out of your use of, or reliance on, anything published here — including any decision to request or forgo a credit, a concession, a holdback or a repair, to sign or decline an amendment, to give or withhold a notice, to proceed with or terminate a purchase, to rely on a deadline, or to accept a closing in which a condition remained unresolved.
Intellectual property
The original text, structure, artwork and code of this site are our own work and are provided for personal reading. You may quote reasonable excerpts with attribution and a link, and you may link to any page freely. Systematic copying, republication, or scraping for the purpose of reproducing this material elsewhere is not permitted. Contract forms, administrative rules, program handbooks and other public documents referenced here remain the property and the responsibility of the bodies that issue them.
External links
This site links to promulgated forms, state rules, loan program guidance, federal regulations and agency publications so that readers can verify what it says. A link is not an endorsement. We do not control the linked material and are not responsible for its content, its accuracy, its availability or its privacy practices.
Acceptable use
You agree not to use this site in a way that interferes with its operation or with another reader's use of it. That includes attempting unauthorized access to the server or any connected system, probing for vulnerabilities, transmitting malicious code, or running automated requests at a volume that degrades performance for others. Well-behaved crawling that respects the robots file is welcome; wholesale scraping in order to republish the site is not.
Machine-readable content
A structured entity map and JSON-LD markup are published deliberately, so that search engines, answer engines and research tools can read this material accurately instead of inferring it. Using those files to quote or cite the site is within their intended purpose. Using them to reconstruct the site's content as a competing resource is not, and the intellectual property terms above apply to machine access exactly as they apply to a human reader.
Severability
If any provision of these terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions continue in full force.
Changes to these terms
These Terms of Use may be revised at any time. The version published on this page when you access the site is the version that applies, and continued use after a revision is acceptance of the revised terms.