Last updated: ‎8/2/2025

1. Acceptance of These Terms

By accessing or using stenhamlending.com (the “Site”) you agree to be bound by these Terms of Use (“Terms”) and by our separate Privacy Policy. If you do not accept every provision, you must not use the Site. The words “Stenham Lending,” “we,” “us,” and “our” mean Stenham Lending — powered by Lending Spot — NMLS # 2463121, and its mortgage-loan originator Dan Stenham, NMLS # 1598005. stenhamlending.com

2. Informational Purpose Only – No Advice

Content on the Site (including rate examples, calculators, blog articles, FAQs, and testimonials) is provided solely for general educational purposes. It does not constitute: an offer to lend,a commitment to extend credit, or legal, tax, investment, or financial advice.

Loan approvals remain subject to full underwriting, verification of information, and compliance with all applicable federal and Florida laws and regulations. stenhamlending.com

3. Eligibility & Geographic Scope

The Site is directed to natural persons who (a) are at least 18 years old and (b) reside in the United States. We make no representation that the Site or any loan product is appropriate or available outside the U.S. If you access the Site from another jurisdiction, you do so at your own risk and are responsible for compliance with local law.

4. License to Use the Site

We grant you a limited, revocable, non-exclusive, non-transferable license to view and download Site materials for your personal, non-commercial use only. You may not modify, reverse-engineer, scrape, or create derivative works from the Site or its underlying code.

5. User Submissions

By submitting any form, inquiry, or document through the Site you:

represent that all information you provide is true, accurate, and complete; and

grant us a worldwide, royalty-free license to use that information to evaluate, originate, service, or market mortgage loans and other products consistent with our Privacy Policy. stenhamlending.com

6. Equal Housing & Licensing Notices

Stenham Lending is an Equal Housing Lender. Licensing information:

Company NMLS # 2463121 – Lending Spot;

Branch/DBA: Stenham Lending, 72 Sarasota Center Blvd, Sarasota, FL 34240;

Loan Officer NMLS # 1598005 – Dan Stenham. stenhamlending.com+1

You may verify these licenses at the NMLS Consumer Access Portal. stenhamlending.com

7. Intellectual Property

All trademarks, service marks, graphics, and content appearing on the Site are the property of Stenham Lending or its licensors and are protected by U.S. copyright and trademark law. Third-party marks remain the property of their respective owners. Use without prior written consent is prohibited.

8. Third-Party Links & Tools

The Site may link to external sites (e.g., the CFPB “Know Before You Owe” toolkit, mortgage-calculator tools, scheduling portals). We do not control or endorse those sites and are not responsible for their content, privacy practices, or availability. Your use of such resources is at your own risk. stenhamlending.com

9. Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT.

10. Limitation of Liability

IN NO EVENT WILL STENHAM LENDING OR ITS OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID US, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Stenham Lending from and against any third-party claim, loss, liability, or expense (including reasonable attorneys’ fees) arising from your breach of these Terms or misuse of the Site.

12. Changes to the Site or These Terms

We may modify the Site or these Terms at any time. Updated Terms will be posted on this page with a new “Last Updated” date. Continued use after changes become effective constitutes your acceptance of the revised Terms.

13. Termination

We reserve the right to suspend or terminate your access to the Site at our sole discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Sarasota County, Florida. You consent to the personal jurisdiction of such courts.

15. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Stenham Lending regarding the Site and supersede all prior or contemporaneous communications.

16. Contact Information

Questions about these Terms or the Site?
Stenham Lending
72 Sarasota Center Blvd
Sarasota, FL 34240
Phone: +1 (941) 271-7816
Email: [[email protected]] stenhamlending.com