Consumers Unified, LLC, often found on ConsumerAffairs.com, operates as a mortgage broker, connecting consumers with potential lenders. It’s crucial to understand that they don’t directly offer loans or make lending decisions. Their platform showcases rates from various lenders authorized to operate, particularly in Vermont. Upon user selection, Consumers Unified, LLC forwards the user’s information to the chosen lender for direct contact.
This service functions as a conduit between borrowers and lenders. Consumers Unified, LLC facilitates the initial connection, allowing lenders to reach out directly to prospective borrowers with loan offers. This model distinguishes them from direct mortgage lenders or correspondent lenders who originate and fund loans themselves.
For residents of Vermont, it’s essential to recognize that interacting with Consumers Unified, LLC constitutes a loan solicitation. The company explicitly states they are not a lender and that shared information will be distributed to third-party lenders. These lenders may not adhere to all Vermont lending regulations but are likely subject to federal lending laws.
Furthermore, New Jersey residents should note the distinction between a home warranty and a service contract. Consumers Unified, LLC clarifies that their offering is a service contract, separate from any builder or manufacturer warranties. This differentiation is vital for consumers to understand the nature of the agreement and its coverage.
Finally, ConsumerAffairs.com, the platform often featuring Consumers Unified, LLC, clarifies its relationship with listed companies. Companies may pay for authorized placement or for actions like clicking links or submitting forms. This disclosure ensures transparency regarding potential financial relationships between the platform and the companies it features. It reinforces the importance of independent research and consultation with financial advisors before making any financial decisions. Consumers Unified, LLC operates under the DBA ConsumerAffairs and adheres to copyright regulations regarding content republication.
