TERMS OF USE

Last Updated: April 2023

 Please read these Terms of Use carefully before continuing on with your use of the Services. By accessing and/or using the Services (including without limitation our websites and mobile applications) You are agreeing to these Terms of Use. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS OR USE THE SERVICES. By registering with or accessing the Service you are acknowledging and accepting these Terms of Use (these "Terms"). Capitalized terms are defined below.THESE TERMS OF USE CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS. BY AGREEING TO THESE TERMS OF USE AND THE ARBITRATION AND CLASS ACTION WAIVER PROVISION, YOU WAIVE YOUR RIGHT TO BRING A LAWSUIT IN COURT.Coldwell Banker Real Estate LLC (“We”) fully support the principles of the Fair Housing Act and the Equal Opportunity Act.Some words used in these Terms of Use have a specific definition. You can find these definitions at the end of these Terms of Use.

1. These Terms
This is a legally binding agreement. The terms "you" and "your" refer to an individual registering with or accessing the Service. You represent that you have the full right, power, and authority to enter into and perform these Terms without the consent of any third party.We may, in our sole discretion, amend these Terms from time to time upon notice. Your continued use of the Service after any such change constitutes your acceptance of the amended Agreement. If you do not agree to any portion of these Terms at any time, you must cease your access and use of the Service.

2. Use of the ServiceA. Accounts
You may register, maintain, and create an Account for the Service. You are responsible and liable for all activities conducted in connection with your Account, for maintaining the security of your username and password, and for the accuracy of all information relating thereto, including contact, technical and payment information, and your login credentials. You will promptly (i) update any Account information when it changes, and (ii) notify us of any unauthorized use of your Account, including any security or data breach. You may only connect to the Service through your Account and in accordance with our access procedures. You will not allow an Account to be shared or used by more than one individual. By providing us with your email address you consent to us sending you Service-related notices. You must be eighteen (18) years of age or older to use the Service.

B. Service Rules
You will use the Service strictly in accordance with these Terms, all Documentation, the Privacy Policy, and Applicable Law. You will not engage in any of the following activities:

(i) use the Service in violation of any third-party license or agreement;

(ii) use the Service to collect, process, or store bank account information, credit or debit card information, personally identifiable information pertaining to children under 13, or health or medical information (including 'Protected Health Information' as defined in the Health Insurance Portability and Accountability Act of 1996);

(iii) sublicense, sell, transfer, assign, distribute, republish, rent, lease or transmit in any form or by any means any part of the Service;

(iv) use, modify, copy, or create derivative works from the Service or Marks without the applicable owner's written permission, including without limitation using automated or manual means to access Content from the Service;(v) frame, mirror, embed or otherwise incorporate any portion of the Service in any other service or product;(vi) scrape or use any automated means to collect data from the Service or any website;

(vii) reverse engineer, decompile, or disassemble any part of the Service, or use or access any part of the Service in connection with any other product or service using features, functions or graphics similar to any part of the Service;

(viii) remove, obscure, or alter any Intellectual Property Rights notice related to any part of the Service or Marks;

(ix) send or store unsolicited, infringing, harassing, obscene, threatening, harmful, defamatory, or otherwise unlawful Content;

(x) facilitate the transmission or use of any: (a) malicious code (including malware, viruses, worms, and Trojan horses); (b) traps, time bombs, or other code with a latent ability to disable or cripple software or services; or (c) code that would allow any party to interfere with or access any of portion of the Service;

(xi) interfere with, disrupt, or overburden the integrity or performance of the Service, or interfere with any other use of the Service;

(xii) attempt or assist others to attempt to gain unauthorized access to the Service or its related systems or networks; or(xiii) use the Service in any way not expressly authorized by these Terms.

C. Service Changes; Suspension
We may, without prior notice, change the Service, stop or suspend access to any or all of the Service,

or create usage limits for the Service. Your continued use of the Service after any change or limitation constitutes your acceptance thereof.

D. Monitoring; Records
We have the right, but not the obligation, to review and monitor your use of the Service at any time, with or without notice, including Communications, to ensure compliance with these Terms.

E. User Content and Behavior
Because we do not control Content, you acknowledge and agree that we are not responsible for any Content and we make no guarantees regarding the accuracy, currency, suitability, or quality of any Content. Your interactions with Users are solely between you and such Users and we are not responsible or liable with respect to any such interactions. If there is a dispute between you and any User, we are under no obligation to become involved. We reserve the right to change, condense or delete any content, information, or other materials on the Service (including your Content).

F. Your Representations You represent and warrant that you:

(i) are entitled to grant the rights and licenses to your Content under these Terms and none of your Content will infringe any party's Intellectual Property Rights or violate Applicable Law;


(ii) will not sublicense, sell, license, assign, or transfer to any party any information obtained through the Service or engage in any other commercial exploitation of the Service;

(iii) have the right and authority to enter into these Terms, and that by entering into or executing your obligations under these Terms, you will not be in breach or violation of the terms of any agreement with or obligation to any third party;


(iv) are a prospective purchaser or seller of real property in the geographic areas where we are licensed and operating with a bona fide interest in the purchase or sale of such real property;

(v) have not signed any agreement with a real estate broker or agent that would prevent you from using one of our offices as your sole and exclusive broker or agent, and you do not have a contract or agreement with any third party that would interfere with our representation of you;


(vi) will limit your search on the Service to properties within your anticipated purchase ability or price range and to the properties that meet your other criteria;

(vii) will not (a) contact the owner or seller of any property from information gained through the Service or (b) attempt to enter the property or speak with an owner or seller without an appointment set by us;

(viii) will abide by all copyright restrictions placed on the content of the Website including, but not limited to, any material or data compilations where we or others may hold the copyright;

(ix) agree that we may also represent other prospective buyers seeking to purchase properties that may meet your criteria;

(x) authorize us to review and provide copies of various documents in any of your transactions relating to the Service, including without limitation home inspection reports and closing papers;

G. Agent Users
Any User that holds any type of real-estate license, including, but not limited to a brokers, associate brokers or salespersons license other than Agents must immediately advise us before that User may access any password protected material including, without limitation, house listing data or other data compilations. We reserve the right to deny or terminate access to any real-estate agent who is not an Agent, except for the real-estate agent's limited purpose of accessing the Website for verifying compliance with MLS rules.

H. Property Data Restrictions
In addition to other restrictions herein, for the avoidance of doubt, all property data provided on the Service is for your personal, sole and private, non-commercial use and not available for redistribution, retransmission or copying. You may not sell or use such data for any purpose, other than the purpose of attempting to evaluate properties or properties for sale or purchase. You acknowledge that the MLS data on the Service is owned by the respective MLS, and you acknowledge the validity of the MLS's copyright to such data.

3. Licenses

A. License to You
Subject to these Terms, we grant you a non-exclusive, non-sublicenseable, nontransferable, limited

right, solely during the term of the Agreement, to access and use the Service solely for your non- commercial purposes related to searching for real estate for personal use.

B. License to Us
You grant to the us a non-exclusive, sublicensable, transferable, perpetual, irrevocable, royalty-free, worldwide license to use, develop, transmit, distribute, modify, reproduce, publicly display, and create derivative works of any of your Content to provide, develop, maintain, support, and improve the Service and the Affiliated Entities services.

C. Maps
The Service may feature Microsoft Bing Maps and Google Maps. Use of Microsoft Bing Maps is subject to the Bing Maps Terms of Use and use of Google Maps is subject to the Google Maps Terms of Use and Privacy Notice. Such services are not under the control of Affiliated Entities. Please review the terms of use or privacy policies of these services for rights and restrictions.

4. Ownership Rights

A. Our Ownership Rights
As between you and us, (i) we solely and exclusively own and will continue to own all right, title and interest in and to the Service and Marks; (ii) you will do nothing inconsistent with such ownership, including by challenging title or registering or attempting to register Marks or any similar trademarks; (iii) no title to or ownership in the Service or Marks, or any associated Intellectual Property Rights embodied therein, is transferred by implication to you under these Terms; and (iv) any use of Marks by you that is permitted under these Terms will inure to the benefit of and be on behalf of the applicable owner. You will promptly notify us of any use of the Service or Marks by any party that is not authorized by these Terms. If you provide us or any affiliate with Feedback, you assign to such entity all right, title and interest in and to such Feedback, including all Intellectual Property Rights therein, waiving all claims thereto, including claims of payment and credit.

B. Your Ownership Rights
As between you and us, and subject to Sections 3(B) and 4(A) above, you own all right, title and interest in and to your Content.

5. Data
You agree that the Affiliated Entities, including us, may collect, store, use, and distribute information in accordance with the Privacy Notice, including in respect of your information and data. You will comply with the Privacy Notice. Without limiting the rights contained in the Privacy Notice, You understand and agree that we may use both the data you input into as well as usage data (such as search criteria) to provide and improve our real estate services.

6. Compliance
We do not provide compliance services.You agree that the Service is provided for your convenience only, and not for purposes of enabling you to meet your obligations under Applicable Law and third-party agreements. You are solely responsible for ensuring compliance with such obligations.

7. Payment
If any amounts are due hereunder, you will pay us in accordance with statements issued by us or otherwise as agreed within the Service. Pricing for any portion of the Service is subject to change upon our notice. Pricing excludes, and you will pay, all taxes, but neither party will pay income taxes of the other party. For any amount you fail to pay by its due date, we may charge you a late penalty on the amount overdue each day it is overdue until it is paid, equal to the lesser of (a) the maximum legally permissible interest rate, and (b) an interest rate of five percent (5%), which reflects the cost of our efforts to collect your payment. You will pay amounts through the means determined by us, including without limitation through a payment service provided by us or a PSP. If a PSP is used, you may also be required to register with the PSP, agree to the PSP's terms of service and privacy policies, and go through a vetting process at the request of the PSP. Please note we are not a party to the PSP's terms of service and privacy policies and we have no obligations or liability to you under any such terms or policies.

8. NO WARRANTIES
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. USE OF THE SERVICE HEREUNDER IS AT YOUR SOLE RISK. THE AFFILIATED ENTITIES DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY , FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON- INFRINGEMENT, AS WELL AS ANY IMPLIED WARRANTY ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NO AFFILIATED ENTITY, INCLUDING US, AND EACH OF THEIR LICENSORS AND SUPPLIERS DO NOT WARRANT THAT ANY PORTION OF THE SERVICE, CONTENT THEREIN OR MLS FEED IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR COMPLY WITH LAWS APPLICABLE TO YOU; THAT ANY PORTION OF THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, BACKED UP, SECURE, OR FREE FROM BREACH OR INTERCEPTION OF DATA OR YOUR CONFIDENTIALITY INFORMATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICE IS DOWNLOADED AT YOUR OWN RISK. NEITHER US NOR ANY AFFILIATED ENTITY WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT, SERVICE, LINK OR ADVERTISEMENT OFFERED BY ANY THIRD PARTY THROUGH THE SERVICE OR ANY LINKED WEBSITE OR SERVICE, AND NEITHER US NOR ANY AFFILIATED ENTITY WILL BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND ANY SUCH THIRD PARTY.

9. LIMITATION OF LIABILITY
IN NO EVENT WILL ANY AFFILIATED ENTITY, INCLUDING US, OR ANY OF THEIR EMPLOYEES, LICENSORS, CONSULTANTS, CONTRACTORS, OR DIRECTORS, BE LIABLE FOR COSTS OF PROCUREMENT OF SUBSTITUTE GOODS, LOSS OF REVENUES, LOSS OF PROFITS, LOSS OF DATA, ERRORS, OMISSIONS, MISCALCULATIONS, MISREPRESENTATIONS OF VALUE, OR FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, OR OTHER DAMAGES. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF ANY AFFILIATED ENTITY, INCLUDING US, HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THIS LIMITATION ON LIABILITY DOES NOT APPLY TO PERSONAL INJURY. OUR LIABILITY TO YOU FOR USE OF AND/OR ACCESSING THE SERVICES OR WEBSITES SHALL IN NO EVENT EXCEED THE GREATER OF THE FEES, IF ANY, YOU HAVE PAID FOR THE SERVICES OR TEN(10)DOLLARS. THEREFORE GOING LIMITATION OF LIABILITY WILL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

10. Indemnification
You will indemnify, defend and hold us, including any Affiliated Entity, harmless from and against any and all Claims to the extent arising out of or in connection with your (i) breach of these Terms; (ii) conduct involving fraud, negligence, omissions, or willful misconduct; and (iii) misuse of the Content or any other misuse of the Service.

11. Third Parties
We may, in our sole discretion, (a) delegate or subcontract the performance of any portion of the Service to third party service providers, and (b) make available one or more Third Party Products to you in connection with the Service. Third-Party Products may be separately licensed to you by their respective providers. If you access a Third-Party Product from the Service, you do so at your own risk, and the User understands that these Terms and the Privacy Notice do not apply to your use of such sites. You expressly relieve us from any and all liability arising from your use of any Third-Party Product, and we make no representations or warranties of any kind in respect thereof. PLEASE ALSO VISIT THIRD PARTY WEBSITES TO REVIEW THEIR TERMS OF USE. ADDITIONALLY, THERE MAY BE LINKS TO THIRD PARTY SITES WHICH ARE NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE.

12. Confidentiality
Recipient may use Disclosing Party's Confidential Information solely to perform Recipient's obligations or exercise its rights hereunder. Recipient will not knowingly disclose, or permit to be disclosed, Disclosing Party's Confidential Information to any third party without Disclosing Party's prior written consent, except that Recipient may disclose Disclosing Party's Confidential Information solely to Recipient's employees and/or subcontractors who have a need to know and who are bound in writing to keep such information confidential pursuant to confidentiality agreements containing nondisclosure obligations substantially similar to those in these Terms. Recipient agrees to exercise due care in protecting Disclosing Party's Confidential Information from unauthorized use and disclosure, and in any case will not use less than industry standard security measures and the degree of care a reasonable person would use. The foregoing will not apply to any information that: (i) is in the public domain through no fault of Recipient; (ii) was properly known to Recipient, without restriction, prior to disclosure by Disclosing Party; (iii) was properly disclosed to Recipient, without restriction, by another person with the legal authority to do so; (iv) Recipient independently develops without use of Disclosing Party's Confidential Information; (v) is expressly permitted to be disclosed pursuant to the terms of these Terms; or (vi) is required to be disclosed pursuant to a judicial or legislative order or proceeding; provided that, where possible, Recipient provides to Disclosing Party prior notice of the intended disclosure and an opportunity to respond or object thereto. Our Confidential Information includes these Terms, our pricing, our Intellectual Property Rights, and the Service. Notwithstanding the foregoing, our obligations under this section are subject to the disclaimers set forth in Section 8 above.

Our obligations with respect to your Confidential Information under these Terms are subject to the Privacy Notice. Please review our Privacy Notice.

13. Termination
These Terms will continue in full effect unless and until your Account or these Terms is terminated as described herein. We may terminate these Terms for convenience upon notice. Upon termination of the Agreement, the rights and licenses granted to you hereunder will immediately terminate. Upon termination of these Terms, you grant to us a non-exclusive, non-sublicenseable, non-transferable, irrevocable, and perpetual license to use the data and information collected by the Service under your Account during the term of these Terms, and to use such data and information in accordance with the Privacy Notice.

14. Third Party Beneficiary
You expressly acknowledge and agree that we have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof, and that we will have the full benefits of these Terms. These Terms do not and are not intended to confer any rights or remedies upon any person other than the parties and as otherwise expressly stated herein.

15. Assignment
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by

you without our prior written consent, but may be assigned by us without restriction. Any attempted transfer or assignment in violation hereof will be nil and void.

16. General

A. Nature of Relationship
The relationship of the parties under these Terms will be that of independent contractors. Neither these Terms as a whole or any part of these Terms will render either party the agent, representative, servant, or employee of the other party. Neither party has the power, express or implied, to bind the other party in any manner or to make representations on behalf of the other party regarding any matter. Except as stated in the Agreement, we will in no way be restricted from using or commercializing all or any portion of the Service or performing or receiving any services from any third-party including services the same as or similar to the Service provided or received in connection with these Terms.

B. MODIFICATION
We may modify any of these terms and conditions at any time, in our sole discretion, by posting the updated Terms. The changes will become effective no sooner than 30 days after posting, please check the Terms from time to time for updates. YOUR CONTINUED USE OF AND/ACCESS OF THE SERVICES OR THE WEBSITES FOLLOWING A CHANGE WILL CONSTITUTE YOUR ACCEPTANACE OF THE CHANGE.

C. AGREEMENT TO ARBITRATE DISPUTES
PLEASE READ THIS SECTION CAREFULLY - IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. ARBITRATION IS A WAIVER OF THE RIGHT TO BRING SUIT IN COURT.

THIS SECTION CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. IF YOU ARE A U.S. RESIDENT, YOU ALSO AGREE TO THE FOLLOWING MANDATORY ARBITRATION PROVISIONS:

WE BOTH AGREE TO ARBITRATE:

You and all Affiliated Entities agree to resolve any claims relating to these Terms through final and binding arbitration, except that, to the extent you have in any manner violated or threatened to violate our intellectual property rights (for example, trademark, trade secret, copyright, or patent rights). Under such circumstances, any Affiliated Entities may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Site, or intellectual property infringement (for example, trademark, trade secret, copyright, or patent rights) without first engaging in arbitration or the informal dispute resolution process described above.

WHAT IS ARBITRATION: Arbitration is more informal than a lawsuit in court and seeks to resolve disputes more quickly. Instead of a judge or a jury, the case will be decided by a neutral arbitrator who has the power to award the same damages and relief that a court can. Thus, you agree that you are waiving your right to sue or go to court to secure relief, and instead agree to the arbitration process as stated in this provision. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced.

ARBITRATION PROCEDURES: The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration shall be initiated through JAMS. Any dispute, controversy, or claim arising out of or relating to these Terms shall be referred to and finally determined by arbitration in accordance with the JAMS Streamlined Arbitration Rules and Procedures.If there is a conflict between JAMS Rules and the rules set forth in this Agreement to Arbitrate, the rules set forth in this Agreement to Arbitrate will govern. The JAMS Rules and instructions for how to initiate an arbitration are available from JAMS at http://www.jamsadr.com or 1-800-352-5267. To initiate arbitration, you or we must do the following things:

• (1) Write a demand for Arbitration. The demand must include a description of the Claim and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at www.jamsadr.com.

• (2) Send three copies of the Demand for Arbitration, plus the appropriate filing fee to your local JAMS office.

• (3) Send one copy of the Demand for Arbitration to the other party.

Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules, except that for claims of less than $1,000, you will be obligated to pay $25 and we will pay all other administrative costs and fees. In addition, for claims of less than $1,000, we will reimburse you for the $25 fee if the arbitrator rules in your favor. Arbitration under this agreement shall be held in the United States county where you live or work, New Jersey, or any other location we mutually agree to, subject to New Jersey law. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

AUTHORITY OF ARBITRATOR: The arbitrator will decide the rights and liabilities, if any, of you and us, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the Arbitration Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and us. The arbitrator's decision may be entered as a judgment in a court of competent jurisdiction.

NO CLASS ACTIONS: You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.

WAIVER OF JURY TRIAL: THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in court and are subject to very limited review by a court. In the event any litigation should arise between you and the Affiliated Entities in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, BOTH PARTIES HEREBY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT YOU MAY CONSULT WITH AN ATTORNEY IN DECIDING TO ACCEPT THIS AGREEMENT TO ARBITRATE.

 OPT-OUT OF AGREEMENT TO ARBITRATE: You can decline this agreement to arbitrate by emailing us at [email protected] and providing the requested information as follows: (1)Your Name; (2) the URL of Terms of Use and Agreement to Arbitrate Disputes; (3) Your Address; (4) Your Phone Number; (5) and clear statement that you wish to opt out of this arbitration provision in the Terms of Use. The Opt-Out Notice must be emailed no later than 30 days after the date you first accept the Terms of Use by using the website.

Choice of Law/Forum Selection In any circumstances where the Agreement to Arbitrate Disputes permits the parties to litigate in court, these Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, excluding its conflict of law rules. You further expressly consent and agree to submit to the exclusive jurisdiction and venue of a court of competent jurisdiction in the United States District Court for the District of New Jersey or in state court in Morris County, New Jersey.

D. Notices

All notices and other communications to be given to any party hereunder will be sufficient for all purposes hereunder if in writing, properly addressed as set forth below in this section and delivered (a) by hand or courier (delivery of notice deemed to occur upon delivery), (b) if sent electronically on the date delivered to the authorized email address, (c) by overnight delivery service (delivery of notice deemed to occur upon delivery and written confirmation thereof by such service), (d) by certified or registered mail, return receipt requested, with appropriate postage prepaid (delivery of notice deemed to occur upon signature of the receipt by the recipient), or (e) if from us to you, posted to your Account on the date posted. If to us, notices may be sent to [email protected]. If to you, your email and mailing address as identified in our records.

E. Headings; Interpretation
Section headings used in these Terms are used for convenience only and are not to be considered in construing or interpreting these Terms. As used herein, "including" means "including without limitation."

F. Severability
The provisions of the Terms are intended to be interpreted in a manner which makes them valid, legal, and enforceable. In the event any provision of the Terms is found to be partially or wholly invalid, illegal or unenforceable, such provision shall be modified or restricted to the extent and in the manner necessary to render it valid, legal, and enforceable. It is expressly understood and agreed between the parties that such modification or restriction may be accomplished unilaterally by us, or alternatively, by disposition of an arbitrator or a court of law. If such provision cannot under any circumstances be so modified or restricted, it shall be excised from the Terms without affecting the validity, legality or enforceability of any of the remaining provisions.

G. Waiver
A waiver of any provision of these Terms must be made in writing to be effective, and our waiver of a

breach of any provision or right contained in these Terms will not constitute a continuing waiver or waive any subsequent breach or right.

H. Force Majeure
Except with respect to your payment obligations, neither party will be liable for failures or delays in the performance of its obligations hereunder due to causes beyond its reasonable control, including, in respect of the provision of the Service, failures or delays caused by our service providers, any act of God, sabotage or terrorist attacks, inclement weather, accidental damage, vandalism, failure or shortage or power supplies, flood, drought, lightning or fire, strike, lock-out, trade dispute or labor disturbance, or any act or omission of government or other competent authorities, including those related to communicable diseases, epidemics, pandemics or other dangers to public health.

I. Entire Agreement
These Terms, and documents incorporated herein, comprises the entire agreement between us and

you and supersedes all prior or contemporaneous negotiations, discussions, or agreements, whether written or oral, between the parties regarding its subject matter.

J. Survival
Sections 1, 2(E), 2(F), 2(G), 2(I), 3(B), 4-17 will survive any termination or expiration of these Terms.

Definitions.

"Account" means the account provided by us that you to manage and access the Service."Affiliated Entities" means, collectively, us, and our parent, subsidiaries, affiliates, and, where applicable, our and their service providers and licensors.


• "Agent" means a real estate-broker, salesperson, agent, associate broker, or similar state licensed real-estate professional licensed with one of our franchisees."App" means a mobile application that may be provided as part of the Service."Applicable Law" means any statute, law, ordinance, rule, regulation, or requirement of a governmental entity that applies to a party or its business.


• "Claim" means, collectively, claims, costs, damages, losses, liabilities, Fines, and expenses (including reasonable attorneys' fees and costs).


• "Communications" means parts of the Service that includes electronic communications services, and document storage and management services, all as provided by us (or, at your selection, by a third party through a Third-Party Product) for your use.


• "Confidential Information" means any information that (i) a party ("Disclosing Party") discloses to the other party ("Recipient"), either directly or indirectly, in writing or orally or by inspection of tangible objects, and (ii) identified as confidential at the time of its disclosure or that should reasonably be understood to be confidential in nature.


• "Content" means any content, data or information provided by a party for inclusion in the Service or uploaded to, transmitted or submitted by a party through the Service, including Communications.


• "Documentation" means the technical and operational documentation made available to you by us regarding any portion of the Service."Feedback" means ideas, suggestions, or recommendations on the Service provided by you."Fine" means any and all fines, penalties, refunds, charges, debits, deductions, legal fees and costs incurred by or other sums payable to any party.


• "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, rights of privacy, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory, or other jurisdiction.


• "Marks" means an Affiliated Entity's proprietary trademarks, trade names, and service marks, including registrations and applications for registrations thereof and all renewals, modifications and extensions thereof."MLS Feed" means a local listing service ("MLS") feed(s) provided through the Service."Privacy Notice" means the Privacy Notice for a Website or App and other portions of the Service, as provided and modified by us from time to time in our discretion.

• "PSP" means a third-party payment service provider selected by us.

• "Service" means our hosted service (including Websites and Apps), software, Documentation, and any services made available to you by us hereunder, all as may be modified by us from time to time in our discretion.


• "Third Party Products" means the third-party applications and/or services, if any, which may be offered, made available or integrated by us to you for use as part of, or in connection with the Service.

"User" means users of the Service.

"We," "our," and "us" means Coldwell Banker Real Estate LLC.

"Website" means a website that may be provided by us as part of the Service.

"You" and "your" means the individual entering into these Terms with us.

PRIVACY POLICY

Down Payment Assistance programs for Queen Creek. AZ Home Buyers

Down Payment Assistance programs for Queen Creek. AZ Home Buyers

August 31, 202616 min read

Buying a home in Queen Creek can feel exciting right up until you start adding up everything you need to bring to the closing table. You have the down payment, closing costs, inspections, appraisal, moving expenses, and all the little things that come with getting settled into a new house. For some buyers, the monthly payment is manageable, but coming up with a large amount of cash upfront is what makes homeownership feel out of reach.

That is where down payment assistance can make a real difference.

There are programs that may help eligible buyers with some of the upfront costs of purchasing a home, and you do not always need to be a first-time buyer to have options. The key is understanding how these programs work, who qualifies, what type of home you can buy, and whether the assistance actually makes sense for your situation.

Queen Creek has become a popular choice for home buyers who want newer homes, larger lots, master-planned communities, and a quieter suburban feel without being too far from the rest of the Phoenix metro area. Before you start touring homes, though, it helps to think about how the area fits your daily routine, budget, commute, and the kind of lifestyle you want to have once you move. Taking a closer look at the advantages and drawbacks of living in Queen Creek can give you a better idea of whether the area is the right fit for you.

But if you already know Queen Creek is where you want to be, the next question is pretty simple.

How can you make the upfront cost of buying a home more manageable?

Let’s take a closer look.


Start Here: Down Payment Assistance Is Not Just Free Money

This is probably the first thing to understand.

Down payment assistance programs can sound like someone is simply handing you money for your down payment, but that is not usually how these programs work. Depending on the program, the assistance might come in the form of a grant, a deferred loan, a forgivable loan, or a second mortgage that has its own repayment requirements.

That difference matters.

Some programs may not require repayment as long as you meet certain conditions. Others may require you to repay the assistance when you sell the home, refinance, or pay off the first mortgage. There can also be income limits, purchase-price limits, credit requirements, homebuyer education requirements, and rules about how long you need to live in the property.

So before you get excited about a particular assistance amount, look at the entire program.

A $20,000 assistance option sounds great until you find out that it has requirements that do not fit your plans. On the other hand, a smaller assistance program with terms that work well for you could be exactly what helps you get into your Queen Creek home.


Arizona Has Statewide Down Payment Assistance Options

For Queen Creek buyers, one of the first places worth looking is the Arizona Department of Housing and its homeownership programs. Arizona has offered programs designed to help eligible buyers with down payment and closing costs, although program names, funding, income limits, interest rates, and availability can change over time.

That last part is worth paying attention to.

Down payment assistance programs are not something you should research once, save a screenshot of, and assume will still look the same six months later. Funding can change, lenders can have different participation requirements, and individual programs can open or close based on available funds.

This is why your lender needs to be involved early.

A lender who regularly works with down payment assistance programs can help you determine which options you may qualify for and how the assistance would affect your overall loan. You may also discover that you qualify for a program you did not even know existed.


The Arizona Is Home Program May Be Worth Looking At

One program Arizona home buyers may come across is the Arizona Is Home program, which has been used to provide assistance to eligible home buyers through participating lenders and housing partners.

The specific terms and availability can change, so you should always confirm the current requirements before building your purchase strategy around it.

Programs like this typically look at several pieces of your financial picture, including income, credit history, household size, purchase price, and the type of mortgage you are using. There can also be requirements involving homebuyer education or occupancy.

For a buyer who has enough income to comfortably afford the monthly payment but does not have a large amount of cash saved, assistance toward the upfront costs can sometimes close the gap.

That is an important distinction.

Down payment assistance does not necessarily make an unaffordable home affordable. It can simply make the upfront part of an otherwise reasonable purchase easier to manage.


What About First-Time Home Buyers?

A lot of buyers automatically assume down payment assistance is only for someone buying their very first house.

That is not always the case.

Some programs are specifically designed for first-time buyers, while others may be available to repeat buyers who meet certain requirements. In many programs, "first-time buyer" has a specific definition, such as not having owned a principal residence during a certain period of time.

That means you should not assume you are disqualified just because you owned a home years ago.

At the same time, you should not assume you qualify just because you have never purchased a home before. The program may have other requirements that matter just as much.

This is one of those areas where a quick conversation with a participating lender can save you a lot of time.


FHA Loans Can Help With a Lower Down Payment

Down payment assistance is often discussed alongside FHA financing because FHA loans can have a lower minimum down payment requirement than many conventional loan options.

For eligible FHA borrowers, the minimum down payment can be as low as 3.5 percent, depending on the borrower's credit and other requirements.

That does not mean FHA is automatically the best loan for you.

There are other costs to consider, including mortgage insurance and the overall interest rate and loan terms. A conventional loan may be a better fit for another buyer, even if that buyer has less money saved than they originally expected to need.

This is why I would not start with, "Which loan gives me the lowest down payment?"

A better question is, "Which financing option gives me the best overall setup for my situation?"

Those are two different questions.


Conventional Loans May Also Be Part of the Conversation

Some buyers are surprised to learn that conventional financing can work with relatively low down payments as well. Depending on the loan program and the buyer's qualifications, some conventional options can require as little as 3 percent down.

That can be especially useful when you are combining your own savings with an assistance program.

For example, imagine you have $12,000 saved and are looking at homes where you expect the down payment and closing costs to require more cash than you comfortably have available. If an assistance program can help with a portion of those upfront expenses, you may be able to keep some of your savings available for moving costs, repairs, emergency reserves, and the normal expenses that come with owning a home.

And honestly, I like buyers having some money left after closing.

Getting the keys and immediately having a $200 bank balance is not a great feeling, even if you technically managed to buy the house.


Your Income Can Affect Eligibility

Income limits are one of the biggest things buyers need to understand when researching assistance programs.

A program might have a maximum household income based on the county, household size, or other criteria. The number is not necessarily the same for every program, and the way income is calculated can vary.

This can create some confusion for Queen Creek buyers because household income is not always as simple as looking at your annual salary.

Bonuses, overtime, commissions, self-employment income, rental income, and income from other household members may all need to be considered depending on the loan and assistance program.

That is why it is better to have a lender review your actual financial situation instead of trying to determine eligibility from a general chart you found online.

You might qualify when you thought you made too much.

Or you might discover that a program you expected to qualify for is not available to you.

Either way, knowing early is better.


Credit Score Still Matters

Down payment assistance does not necessarily mean credit requirements disappear.

Many programs have minimum credit score requirements, and the mortgage you use will have its own underwriting standards as well.

If your credit score is lower than you'd like, that does not automatically mean you cannot buy a home. It may simply mean that you need to spend some time improving your financial position before you start making offers.

Sometimes a small improvement in your credit profile can change your available loan options, interest rate, or monthly payment.

This is another reason I would talk with a lender before you start touring houses every weekend.

You do not want to fall in love with a $500,000 home and then discover that your financing plan works much better at $425,000.


You May Need to Complete Homebuyer Education

Some down payment assistance programs require buyers to complete a homebuyer education course.

That might sound like another hoop to jump through, but there is actually some value in it.

Buying a home comes with a lot of decisions that first-time buyers may not have thought about before. You are dealing with insurance, property taxes, maintenance, inspections, financing, closing costs, and the long-term responsibility of owning the property.

A good homebuyer education course can help you understand those responsibilities before you are sitting at the closing table.

The course requirements vary, so make sure you know what your specific program requires and when it needs to be completed.


Queen Creek Home Prices Make Planning Ahead Especially Important

One thing Queen Creek buyers need to think about is the price range they are shopping in.

Queen Creek offers a wide range of homes, but newer construction, larger homes, upgraded properties, and homes in desirable communities can push the purchase price higher. A down payment assistance program may help with the cash you need upfront, but you still need to make sure the monthly payment fits comfortably into your budget.

This is where buyers sometimes get caught.

They focus so heavily on finding enough money for the down payment that they forget about the payment that comes every month afterward.

Before you shop, look at the full monthly cost. That includes principal and interest, property taxes, homeowners insurance, HOA fees if applicable, and mortgage insurance when required.

Then leave some room.

Your budget should have space for the occasional air conditioner problem, appliance replacement, car repair, or other expense that always seems to show up at the worst possible time.


Do Not Forget About Closing Costs

The down payment gets most of the attention, but closing costs can be a significant part of the cash you need to purchase a home.

Depending on the transaction, you may have costs associated with the loan, appraisal, title services, escrow, recording, prepaid taxes, insurance, and other items.

Some down payment assistance programs can help with closing costs as well, which can be a big advantage for buyers who have limited savings.

There may also be situations where a seller agrees to contribute toward certain closing costs, depending on the market, the contract, the loan type, and the terms of the transaction.

That is why I always encourage buyers to look at the entire cash-to-close number instead of focusing only on the down payment percentage.

The question is not simply, "How much do I need to put down?"

It is, "How much money will I actually need to get from contract to closing?"


What If You Are Selling Another Home First?

This gets a little more complicated.

If you already own a home and are planning to sell it before buying in Queen Creek, your available equity may become part of your purchase strategy. In that situation, you may not need down payment assistance at all, or you may still benefit from assistance depending on your overall financial picture and program eligibility.

The bigger question becomes timing.

Do you sell first and then buy?

Do you make the purchase contingent on selling?

Do you use other funds for the down payment and keep your equity for reserves?

There is no single answer that works for every household.

And if you’re considering Queen Creek because your current home has started to feel too small or no longer fits the way your household lives, it’s worth taking a closer look at the costs that can come with staying in a home that no longer works for your family and comparing those expenses with what it would actually cost to make a move.

Sometimes the numbers tell a different story than the initial fear of buying.


What Should You Know Before Shopping for a Queen Creek Home?

Before you start scheduling showings, get clear on four numbers.

First, know how much money you have available for the purchase.

Second, know what monthly payment you're comfortable with.

Third, know how much you may qualify for through down payment assistance.

And fourth, know your realistic purchase price.

Those four numbers give you a much better starting point than simply browsing listings and hoping you can make something work.

It also helps to get familiar with the Queen Creek market before you start making decisions. If you’re still in the early stages, getting a better understanding of what to look for when buying a home in Queen Creek can help you think beyond financing and pay closer attention to the things that matter when comparing homes, neighborhoods, and your overall options.


Ask Your Lender About Assistance Before You Make an Offer

This sounds obvious, but it is worth saying because timing matters.

If you wait until after you have found a home to ask whether you qualify for down payment assistance, you may create unnecessary stress for yourself.

Instead, have the conversation before you start making offers.

Your lender can look at your income, assets, credit, debt, loan type, and other information to determine which programs may fit. They can also explain how the assistance is structured and what happens if you sell or refinance later.

That last part is especially important.

You should understand the future obligation before accepting assistance today.

If it is a deferred loan, ask when repayment is triggered. If it is forgivable, ask what conditions you have to meet. If there is a second mortgage, ask about its interest rate and repayment terms.

Don't just ask how much assistance you can get.

Ask what the assistance costs you over time.


Work With Someone Who Understands the Queen Creek Market

Financing is only one part of the process.

Once you know what you can afford, you still need to find the right home, understand the neighborhood, evaluate the property, negotiate the contract, and get through inspections and closing without losing sight of your bigger goal.

That is where having the right real estate agent matters.

You do not necessarily need the agent who has the biggest online presence or the most signs around town. You want someone who listens, understands what you're trying to accomplish, and can help you make decisions without making the process feel more complicated than it needs to be.

If you’re trying to figure out what kind of agent would be the right fit for you, knowing what to look for in a Queen Creek real estate agent can help you focus on the experience, communication, local knowledge, and level of support that really matter when you’re choosing someone to represent you.


Is Down Payment Assistance Right for You?

Maybe.

And that is a better answer than telling every buyer that down payment assistance is automatically a great idea.

If you have limited cash available but stable income and a mortgage payment that fits your budget, assistance could help you become a homeowner sooner than you otherwise could.

If you have plenty of savings and excellent financing options, you may find that a traditional loan without assistance gives you better terms or fewer restrictions.

The goal is not to get the biggest assistance package possible.

The goal is to build a home purchase that makes sense for your finances today and still feels comfortable after you move in.

That distinction can save you a lot of headaches.


A Few Questions to Ask Before Choosing a Program

When you talk with a lender about down payment assistance, I would have these questions ready:

  • What programs do I currently qualify for?

  • Is the assistance a grant, forgivable loan, deferred loan, or second mortgage?

  • Do I have to repay the assistance if I sell the home?

  • What happens if I refinance?

  • Is there a minimum credit score?

  • Are there income limits?

  • Is there a maximum purchase price?

  • Do I have to complete homebuyer education?

  • Does the program work with the type of loan I want?

  • Can the assistance be used for closing costs as well as the down payment?

  • How much cash will I still need to bring to closing?

  • Will I need money left over for reserves after closing?

Those questions will give you a much clearer picture of what you are actually getting.


Final Thoughts

Buying a home in Queen Creek does not have to start with having a huge amount of cash sitting in your savings account, but it does need to start with a realistic plan.

Down payment assistance programs can help eligible buyers reduce the amount of money they need upfront, and for some households, that can be the difference between continuing to rent and finally purchasing a home. But the assistance is only one piece of the puzzle. Your income, credit, monthly payment, loan type, purchase price, closing costs, and long-term plans all need to fit together.

Start with the financing.

Figure out what you qualify for, understand the terms, and know exactly how much cash you will need.

Then look at homes.

That order can make the entire process feel less overwhelming because you are shopping with real numbers instead of guessing.

And when you find the right Queen Creek home, you want to feel excited about getting the keys, not worried about whether you stretched too far just to make the purchase happen.

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Nancy Wittenberg

Nancy Wittenberg is a trusted REALTOR® serving Chandler, Gilbert, and the East Valley of Arizona. She helps buyers and sellers navigate the local housing market with clear guidance, honest advice, and strong advocacy. Her signature Buyer Care Plan™ walks clients step by step from the first consultation through closing and beyond, helping buyers feel confident and informed at every stage. For homeowners preparing to sell, Nancy acts as a Strategic Market Guide, helping sellers manage pricing strategy, buyer psychology, and negotiations that determine how a home sale actually unfolds. Nancy holds designations including GRI, ABR®, and SRS, reflecting her commitment to professional excellence and client advocacy in the East Valley real estate market. If you're thinking about buying or selling a home in Chandler, Gilbert, or the East Valley, reach out to Nancy for a conversation, not a pitch.

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