Terms of Use

Victory Rates (Last Updated: January 13th, 2017)

Victory Rates is not a lender or affiliated with any government entities, including but not limited to the VA.

This Agreement Helps Protect You

Victory Rates encourages you to review this Terms of Use Agreement. When using this website and any of its contents, you agree to be bound by the all of these terms and conditions. If you do not agree to these terms and provisions, you are not permitted to use this site.


Victory Rates works to ensure the accuracy of all of the information on this website. However, errors may occur. Victory Rates reserves the right to edit and/or improve this website at any time. THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES CONTAINED HEREIN ARE PROVIDED “AS IS”. Victory Rates AND ITS PARTICIPATING LENDERS DISCLAIM ANY WARRANTY WHATSOEVER. THE USE OF THIS WEBSITE IS AT YOUR OWN RISK. Victory Rates AND ITS PARTICIPATING LENDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THIS WEBSITE. Victory Rates is not responsible for any damages to property, including, but not limited to, Trojan horses, viruses, backdoors, cancelbots, worms, trap doors, time bombs, cancelbots, or any other code or computer program that may interfere with the transfer of data or destruction to property.

Copyright, Trademark and Service Mark Notices

All contents on the Websites are: Copyright © 2017 Victory Rates, 335 Madison Avenue; New York, New York. Victory Rates is NOT affiliated with government entities, including the VA. We may provide customer information to our trusted affiliates to help you with your VA Loan. Our website contains material that is copyrighted under the United States copyright laws. This includes, but is not limited to, any services, graphics, text, videos, software, music, photos, or other trademarked items on Victory Rates. You may not publish, modify, copy, transmit, exploit, or participate in the transfer or sale of any created works in whole or in part in any manner unless it is permitted under copyright law.

We Won’t Check Your Credit

Your submission of personal information on this secure site does not permit us to check your credit.

Loan Request Services

When submitting a Victory Rates loan request form you authorize Victory Rates to provide your personal information to a VA approved lender. Victory Rates will not perform a credit check. You will get a phone call from a VA approved lender, at which point you may be asked for additional information. At this time you will also be able to choose whether or not to give the lender permission to check your credit report.

Terms Applicable to All Loan Request Services

Victory Rates does not recommend or endorse any specific products that may be offered by any of the lenders with whom we share information. Victory Rates cannot guarantee loan approval through any lender or any specific loan product. You must use your own judgment in deciding what loan product is best for you. The lender you choose to provide your loan is solely responsible for the services they offer. You understand and agree that Victory Rates is in no way liable for any costs or damages incurred while doing business with the lender(s) with whom we share your information. In addition, you understand that our participating lenders may keep your loan request form whether or not they are able to qualify you for a loan.

The Victory Rates website and the contents and services provided herein are available only in regards to real property in all fifty states and Washington, D.C. Loans will only be made on real property located in states where participants are licensed to conduct mortgage lending business.

Free of Charge!

You, the consumer, will not be charged for using the services provided on this website. Victory Rates is paid by participating lenders for our services. By utilizing the services provided by the Victory Rates website you are consenting to the Victory Rates/Lender fee arrangement.

Dispute Resolution

Any claim arising out of or related to the use of Victory Rates shall be resolved through arbitration. The arbitration shall be held before an arbitrator under the commercial arbitration rules of the American Arbitration Association. The arbitration shall take place in the state of New Jersey except for main consumers for whom the location shall be designated at a location that is deemed reasonably convenient. These terms and conditions provide that all disputes shall be resolved by binding arbitration. You, the consumer, forfeit all rights to go to court to defend or assert your rights. You, the consumer also forfeit your rights to bring class action lawsuits against Victory Rates. By using the goods or services provided by Victory Rates, you give consent to these restrictions.


You agree to indemnify Victory Rates and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this website, including any claims alleging facts that if accurate would equal a breach by you of this Terms of Use Agreement.

Errors and Delays

Victory Rates is not liable for delays or errors in responding to your loan request that are a result of inaccurate information you provide, or any other reason beyond Victory Rates’s reasonable control.

Additional Terms

This agreement between you, the consumer, and Victory Rates, supersedes all promises, proposals, or prior communications, whether written, oral, or electronic. This agreement shall be subject to the laws of the state of New Jersey. All rights not expressly granted are reserved.

Please Retain, for Your Records, a Printed Copy of this Agreement