Financing Inquiry
Financing Terms of Submission
This is an inquiry, not an application
Submitting this form starts a conversation. It is not a loan application, a credit application, a pre-qualification, a pre-approval, a commitment to lend, or an offer of credit on any terms. Nothing on this form or in any reply to it obligates you to borrow, or obligates Ashland Auction Group, LLC or any of its affiliates (together, "Ashland") or any other lender to lend. Any loan would be made only under a separate written agreement, signed by all parties, after that lender completes its own review under its own criteria. Until that happens, no one is bound by anything.
We do not run a credit check
Submitting this form does not authorize a credit inquiry, and Ashland does not obtain a consumer report as part of it. This form does not ask for a Social Security number, a taxpayer identification number, a date of birth, bank or account numbers, or income documentation, and you should not send those to us through it. If you go on to apply with Ashland or with a lender we introduce you to, that lender will collect what it needs directly from you and may run its own credit or background review at that point, with your authorization.
Ashland lends for business purposes only
Any loan Ashland makes is a commercial loan for a business, commercial, or investment purpose: acquiring, renovating, holding, or reselling real property as an investment. Ashland does not make consumer loans, and does not lend on property that the borrower intends to occupy as a residence. Business-purpose loans are not consumer credit and do not carry the disclosures and protections that apply to consumer mortgages. If you plan to live in the property, Ashland cannot be your lender, and we will say so and point you toward lenders who handle owner-occupied financing.
How we use and share what you tell us
You agree that the information you submit may be shared within Ashland and with lenders we introduce you to, so they can evaluate your inquiry. It may also be shared with sellers and their representatives where it is relevant to a property you are pursuing, and with third-party service providers who help us operate, such as hosting and communications vendors. We do not sell your information. Once your information reaches another lender, a seller, or a vendor, that party handles it under its own practices, which we do not control.
No endorsement, and no obligation to use anyone
Ashland maintains a directory of lenders who are familiar with auction timelines. Inclusion is a convenience, not a recommendation, an endorsement, or a guarantee of any lender's terms, pricing, licensing, or performance, and Ashland makes no warranties and accepts no liability for services provided by a third party. You are free to use any lender you choose, to arrange financing yourself, or to pay with certified funds. Do your own diligence on any lender before committing to anything.
An affiliate of Ashland may be the lender
Ashland's principals also own and operate lending entities, including West Star Holdings, and one of them may be the lender on a transaction that begins with this form. We disclose this so the directory is read for what it is: Ashland has a financial interest in some of the options on it, and does not exclusively endorse any lender, affiliated or not.
No agency or brokerage relationship is created
Submitting this form does not create an agency, brokerage, fiduciary, advisory, or lending relationship between you and Ashland. Ashland Auction Group, LLC, together with its principals, auctioneers, agents, brokers, and employees, represents the SELLER on properties listed with it. They do not represent buyers or borrowers, and nothing they say to you should be relied on as advice given on your behalf. If you want someone acting for you, engage your own agent, attorney, or advisor.
Buying at auction
Properties sold at auction are sold as-is, where-is, with all faults. Nothing on this form or in any conversation that follows is a representation or warranty about a property, its condition, or its title. A buyer's premium, required deposits, and settlement deadlines are set out in the published terms of sale for each auction, and those terms apply and control if anything here conflicts with them. Financing is never a contingency unless the published terms of sale say so in writing.
Contact consent
Ticking the contact box on the form is your express written consent for Ashland and the lenders we introduce you to to contact you about this inquiry by phone, text, and email at the number and address you provided, including by automated means. Consent is not a condition of any purchase or of any financing. You can withdraw it at any time by replying STOP to a text, using the unsubscribe link in an email, or calling the office.
Changes to these terms
These terms carry a version, shown above, and the version in effect when you submit is recorded with your inquiry. We may revise them going forward; a later revision does not change the terms that applied to a submission already made.