Disclosures
These disclosures explain what Rugged Ascend, LLC is, what happens to the information you submit, and our commitment to fair and equal access to credit and housing.
01Lead-generation platform disclosure
Rugged Ascend, LLC is a lead-generation platform. To be completely clear about what we are and are not:
- We are not a lender.
- We are not a mortgage broker.
- We are not a mortgage loan originator.
- We do not make lending decisions.
- We do not issue mortgages.
What we do is simple: we connect consumers with licensed mortgage professionals who may be able to help. Any loan product, rate, term, approval, or decision comes solely from a licensed lender — not from us — and is subject to that lender's underwriting and to applicable state and federal law. Not all applicants qualify.
02Marketing disclosure
This website advertises and markets the availability of mortgage and home equity products offered by participating licensed lenders. When you submit a form, your information may be provided to one or more participating companies, and as a result you may be contacted by more than one participating lender or service provider regarding your inquiry.
We may receive compensation from participating companies for marketing and lead-generation services. This compensation is for bona fide marketing and lead-generation services and is not contingent on whether you obtain a loan or on the terms of any loan you may obtain. Compensation may influence which participating companies appear or receive your inquiry. This disclosure is provided so you understand how the platform operates.
03Consumer consent to share information
By submitting a form on this website, you authorize Rugged Ascend, LLC to share the information you provide — including your name, contact information, property information, and the financial details you enter — with participating licensed mortgage lenders, brokers, loan originators, and their authorized service providers, so that they may contact you and evaluate whether they can assist you with a mortgage or home equity product.
You understand and agree that:
- Your information may be shared with more than one participating company;
- Those companies may use your information to contact you and to evaluate your inquiry, consistent with their own privacy policies;
- Rugged Ascend, LLC does not control, and is not responsible for, how participating companies use the information once it is shared; and
- This authorization remains in effect unless and until you withdraw it by contacting us.
This consent works together with our TCPA Consent and Privacy Policy.
04Equal Housing Opportunity
Rugged Ascend, LLC supports and complies with the Fair Housing Act and the principle of Equal Housing Opportunity.
We do business in accordance with federal fair housing law, which makes it illegal to discriminate against any person because of race, color, religion, sex, handicap (disability), familial status, or national origin. The participating licensed professionals we connect you with are also expected to conduct their business in accordance with these laws.
If you believe you have been subject to housing discrimination, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD).
05Fair Lending statement
Rugged Ascend, LLC is committed to the principle of fair and equal access to credit. Consistent with the Equal Credit Opportunity Act ("ECOA"), we support a marketplace in which credit is made available to all creditworthy applicants without discrimination.
Under the ECOA, it is illegal for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
We do not make credit decisions. We expect every participating licensed lender to whom we connect consumers to comply fully with the ECOA, the Fair Housing Act, and all other applicable fair lending laws.