Terms of Service

What We Do

Andrew M. Levin is a commercial mortgage broker licensed in all 50 states (NMLS #195710). We connect borrowers with lenders. We don't lend money ourselves — we work with 100+ lenders to find the best fit for your deal.

How It Works

When you contact us:

• Andrew calls you personally to understand your deal
• We gather information about the property and your financing needs
• We submit your deal to lenders and negotiate terms
• We coordinate with attorneys, title companies, and lenders to close
• You hear from Andrew throughout — not a junior, not a call center

No Guarantees

While we work hard to fund every deal, we cannot guarantee financing. Loan approval depends on the property, your experience, lender guidelines, market conditions, and other factors outside our control.

We'll always be honest about whether a deal is fundable and what rates/terms to expect. If we don't think it'll work, we'll tell you upfront instead of wasting your time.

Fees & Compensation

We are paid by lenders as a broker — we earn a yield spread premium or origination fee on loans we close. We do not charge you a fee.

This means our incentive aligns with yours: we only make money if we close your deal on good terms.

Your Obligations

When you work with us, you agree to:

• Provide accurate information about yourself, the property, and the deal
• Respond to requests for documentation in a timely manner
• Be honest about any liens, judgments, or legal issues
• Follow through on any representations you make to lenders

If you misrepresent yourself or the deal, lenders can back out, and you could face legal consequences.

Limitation of Liability

We do our best. We are not liable for:

• Loan denials by lenders (their decision, not ours)
• Market changes that affect rates or terms while we're processing
• Issues with the property, title, or condition discovered during due diligence
• Delays caused by third parties (attorneys, title companies, appraisers)

Our job is to negotiate and coordinate. We can't control every outcome.

Communication

We communicate by phone, email, and occasionally text. When you reach out, Andrew will call you back — usually within the hour on business days. If you need to pause communication, just ask.

Data & Privacy

See our Privacy Policy. Short version: we don't sell your data, we don't share it with random companies, and we keep it secure.

Changes to Terms

We may update these terms. We'll let you know if anything material changes.

Dispute Resolution

If there's a dispute, we'll try to resolve it directly. If you want to pursue legal action, it falls under the laws of Maryland where Andrew is based. Binding arbitration may apply per your state's laws.

Questions?

Call Andrew: (410) 818-4750
Email: money@andrewmlevin.com