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Terms of Use

Last Updated: January 1, 2026 · Local First Lending, LLC
Please read these Terms of Use carefully before using this website. By accessing or using localfirstlending.com, you agree to be bound by these terms. If you do not agree, please do not use this site.

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of the website operated by Local First Lending, LLC (“Local First Lending,” “we,” “us,” or “our”), located at localfirstlending.com (the “Site”). By visiting or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

2. Not an Offer of Credit

Nothing on this Site constitutes an offer or commitment to lend. All loan programs, rates, terms, and conditions described on this Site are subject to change without notice and are subject to borrower qualification, property approval, and other conditions. Submission of an application does not guarantee loan approval.

Local First Lending is a private real estate lender. All lending activities are subject to applicable state and federal laws and regulations.

3. Permitted Use

You may use this Site for lawful purposes only. You agree not to:

  • Use the Site in any way that violates applicable federal, state, or local laws or regulations
  • Transmit any unsolicited or unauthorized advertising or promotional material
  • Attempt to gain unauthorized access to any portion of the Site or any systems connected to it
  • Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission
  • Use any automated means to access or scrape content from the Site
  • Engage in any conduct that restricts or inhibits any other user’s ability to use the Site

4. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Local First Lending, LLC or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use is strictly prohibited.

The Local First Lending name, logo, and all related marks are trademarks of Local First Lending, LLC. You may not use these marks without our prior written consent.

5. Disclaimer of Warranties

This Site is provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. To the fullest extent permitted by law, Local First Lending disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on the Site.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Local First Lending, LLC and its members, managers, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of this Site.

In no event shall our total liability to you exceed one hundred dollars ($100.00).

7. Third-Party Links

This Site may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those sites or their content. We have no control over the content or practices of third-party sites and accept no responsibility or liability for them. We encourage you to review the terms and privacy policies of any third-party sites you visit.

8. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Allegheny County, Pennsylvania.

10. Contact Us

If you have any questions about these Terms of Use, please contact us:

Local First Lending, LLC
2600 Boyce Plaza Rd, Suite 200
Pittsburgh, PA
Phone: 412.498.5973
Email: info@localfirstlending.com