Legal & Lending Disclosures

Business-Purpose Lending Only

Palermo Financial Group, LLC is a private lender providing business-purpose credit for non-owner-occupied investment real estate. Credit offered through this website is intended primarily for business purposes and not primarily for personal, family, or household purposes. Palermo does not offer owner-occupied consumer residential mortgage loans through this website.

Program Information Is Not a Commitment to Lend

Loan programs, leverage limits, loan sizes, terms, timelines, examples, and other information shown on this website are general guidelines only. They are not a commitment, approval, lock, guarantee, or offer to extend credit. Actual availability and terms depend on underwriting, collateral, sponsor experience, requested leverage, exit strategy, market conditions, documentation, title, insurance, appraisal, and other factors. Palermo may require lower leverage, additional equity, different terms, fees, points, reserves, guaranties, or other conditions.

Rates, Fees, Terms and Closing Times May Change

Any rate, fee, point, leverage, loan amount, term, or closing-time information displayed or discussed is illustrative or indicative unless expressly stated in a written commitment or executed loan document. Such information may change, may not be available to every applicant, and may not be available at commitment or closing. Closing-time references are estimates only and depend on complete diligence and third-party deliverables.

Fair Lending

Palermo evaluates business-credit applications in accordance with applicable fair-lending laws, including the Equal Credit Opportunity Act and Regulation B, which apply to business credit as well as consumer credit. Credit decisions are not based on prohibited characteristics or on an applicant's good-faith exercise of rights under applicable law.

No Securities Offering or Investment Advice

Information directed to lenders, capital partners, or prospective participants is for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any security, participation interest, investment product, or other financial instrument. Any offering or participation opportunity, if made, will be made only through applicable definitive documents and to eligible persons. Nothing on this website is investment, legal, tax, accounting, or financial advice.

Transactions and Illustrations

Transaction examples, property images, loan amounts, leverage figures, statuses, and other deal information may be simplified, anonymized, illustrative, or historical. Past transactions do not guarantee future availability, performance, approval, timing, pricing, or terms.

Servicing Requests

Website submissions for payoff statements, construction draws, ACH instructions, or other servicing matters do not amend, waive, extend, replace, or modify any loan document, payment obligation, default, maturity date, or contractual requirement. The executed loan documents and any written agreement signed by the applicable parties control.

Electronic Communications

Electronic submissions are subject to our Electronic Communications Consent. Consent to receive marketing calls or marketing text messages, if requested separately, is not a condition of obtaining credit. Service-related communications may be sent as permitted by law and applicable agreements.

Privacy and Information Security

Personal and financial information submitted through this website is handled as described in our Privacy Policy. Any separate privacy notice required by applicable law or by the nature of a specific customer relationship will supplement, and will not be replaced by, the website Privacy Policy.

Third-Party Services

Links to portals, payment processors, form providers, title companies, service providers, or other third parties are provided for convenience. Third-party services are governed by their own terms, privacy policies, security practices, and availability.

Accessibility

Palermo seeks to make its website and digital services usable by a broad range of visitors. If you experience difficulty accessing website content or a digital form, contact us at (305) 722-5604 or info@palermofinancial.com so we can provide reasonable assistance or an alternative method of access.

Licensing and Regulatory Information

Licensing, registration, and regulatory requirements depend on the nature of the transaction, collateral, jurisdiction, and the entity acting as lender, broker, originator, or servicer. This website does not state or imply that a particular license, registration, exemption, or regulatory status applies unless expressly identified. Transaction-specific regulatory disclosures will be provided when required.

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