Terms of Use:

National Association of Mortgage Underwriters, Inc. (DBA NAMU)

Last Updated: 05/09/25

Please read these Terms of Use carefully as well as the Privacy Policy, as updated from time to time. If you disagree with any of the language in these Terms of Use, please terminate use of the Sites.

1. Acceptance of Terms

By accessing and using the website located at www.mortgage-underwriters.org or registering for any NAMU® or NAMP® certification program or CampusMortgage® training class, you hereby agree to comply with and be legally bound by the terms and conditions outlined in this Terms of Use Agreement, including all referenced handbooks and policies. Your continued use of our site, programs, and services signifies your complete acceptance of these Terms of Use. In addition, by registering for any certification, training course, bundled package, or promotional offer, you further confirm that you have read, understood, and agreed to abide by the provisions set forth in both the NAMU® Certification Handbook and the NAMP® Certification Handbook, where applicable. These Terms apply to all users, including visitors, students, and registered members.

2. Legal Entity and Location

The National Association of Mortgage Underwriters, Inc. (DBA NAMU®) is a for-profit business incorporated in the State of Florida. Our virtual office and mailing address are located at: Presidential Circle, 4000 Hollywood Blvd., Suite 555-South, Hollywood, FL 33021. All activities, services, and transactions associated with NAMU®, including the operation of our website and the delivery of educational services, are deemed to take place in and be governed by the laws of the State of Florida. Any user accessing our services does so with the full acknowledgment that they are interacting with a Florida-based organization subject to Florida jurisdiction.

3. Trademarks

All trademarks associated with NAMU®, including but not limited to the following, are federally registered and protected under U.S. trademark laws. These include:

• National Association of Mortgage Underwriters (NAMU) - Serial #77550606

• Certified Master Mortgage Underwriter (CMMU) - Serial #86752390

• Underwriter Bootcamp - Serial #85868654

• Underwriting Bootcamp - Serial #87584680

• Certified Mortgage Underwriter (CMU) - Serial #87087502

• Certified Ambassador Mortgage Underwriter (CAMU) - Serial #90525073

• Certified Mortgage Servicing Specialist (CMSS) - Serial #98746805

• Certified in Mortgage Regulatory Compliance (CMRC) - Serial #98742421

Unauthorized use of these marks, logos, or names for promotional purposes, commercial gain, or public representation is strictly prohibited without prior written permission from NAMU®. NAMU® actively monitors the misuse of its intellectual property and will enforce its legal rights to the fullest extent of the law against infringers.

4. Use Restrictions

You agree to use the NAMU® website and services solely for lawful purposes and in a manner consistent with all applicable local, state, and federal laws and regulations. You shall not use the site to transmit or distribute harmful, defamatory, abusive, obscene, or otherwise objectionable content. Additionally, you are strictly prohibited from attempting to gain unauthorized access to any part of our systems or data, using bots or automation tools to scrape content, interfering with the site's operations or hosting infrastructure, or engaging in any conduct that may restrict or inhibit the use of the website by others. NAMU® reserves the right to revoke your access, with or without notice, if your conduct is deemed to violate these Terms or any applicable policy. NAMU® may also pursue legal remedies for violations of these conditions.

5. Third-Party Terms

Certain NAMU® offerings incorporate or are delivered in conjunction with third-party services and partners, including CampusMortgage® and NAMP®. When a student enrolls in any training course or certification program offered by NAMU® that is conducted by CampusMortgage®, the student becomes subject to the CampusMortgage® Terms of Use. Similarly, NAMP® certification programs are governed by NAMP®'s independent Terms of Use and Certification Handbook. NAMU® makes no representations or warranties regarding third-party services and assumes no liability for their performance, content, or terms. Users are advised to review the policies of these third-party entities prior to participation. Use of any NAMU®-related training or certification constitutes agreement with all applicable external terms.

6. Disclaimers

NAMU® is an independently owned and operated company and is not affiliated with any government entity, including HUD, FHA, VA, or the Federal Government. Our training and certification programs are intended solely for professional development purposes and do not constitute legal advice, licensure preparation, or governmental certification. Completion of a NAMU® certification or training class does not imply that the student is a licensed mortgage underwriter, processor, or expert, nor does it guarantee job placement or career advancement. All educational content is provided "as-is" without warranties of any kind, express or implied. Students are encouraged to conduct their own research and consult with appropriate regulatory authorities before relying on any materials.

7. Intellectual Property

All materials provided through the NAMU® website and services, including course content, documentation, presentations, recordings, and branding elements, are the intellectual property of NAMU®, CampusMortgage® or its authorized licensors. These materials are protected by copyright, trademark, and other applicable laws. Users may view, print, and download content solely for personal, non-commercial use. Any copying, redistribution, or publication of materials for commercial purposes or without the express written consent of NAMU® is strictly prohibited. Violations may result in legal action or termination of access rights. NAMU® reserves the right to enforce its intellectual property rights against any misuse or unauthorized reproduction of its content.

8. Refund Policy

You may request a refund for any course, certification, bootcamp, or bundled package under the following conditions:

1. You have not logged into any recorded webinar course.

2. You have not downloaded any course materials.

3. You have not requested a Certificate of Completion.

4. You submit your refund request in writing via email within five (5) calendar days from the date of purchase.

If all conditions are met, you are eligible for a full refund minus a $75 administrative cancellation fee. Refund requests submitted after the five-day period will not be honored under any circumstances.

Important: No refunds are available for corporate sponsorship packages that include advertising, brand promotions, email marketing, or banner advertisements.

9. Course Access & Updates

Students are granted one year of access to all NAMU® training courses and resources through the CampusMortgage® portal beginning on the first date of login. Course content is reviewed and updated annually to reflect current industry standards and regulatory changes. In response to major industry shifts, NAMU® may also provide supplemental webinars or resource materials to enrolled students. While we strive to maintain current and accurate content, it is ultimately the responsibility of the student to stay informed and updated on the ever-changing rules, regulations, and guidelines. NAMU® shall not be liable for outdated materials or any actions taken based on such content.

10. 3rd-party Online Proctoring - indemnify/HOLD HARMLESS:

NAMU® utilizes a third-party service provider to deliver online test proctoring services as part of our certification programs. By participating in any program that includes a proctored exam, the student acknowledges and accepts that the proctoring service may be subcontracted to an independent provider.

NAMU® makes no representations or warranties, express or implied, regarding the availability, accuracy, reliability, or performance of any third-party proctoring service. The student agree that the use of such services is at the student’s own risk and subject to the terms, policies, and privacy practices of the third-party provider.

To the fullest extent permitted by law, the student agrees to release, indemnify, and hold harmless NAMU®, its officers, directors, employees, agents, affiliates, and licensors from any and all claims, damages, liabilities, losses, or expenses — including, without limitation, legal fees and costs — arising out of or related to the student’s use of or reliance on the online test proctoring service, including but not limited to:

• Technical difficulties or service outages

• Disputes related to test conduct, results, privacy concerns or security

• Alleged breaches of privacy or data protection

• Any action or inaction of the third-party proctoring provider

NAMU® does not control and is not responsible for the content, conduct, or policies of third-party vendors. It is the student’s responsibility to ensure that the student’s computer, software, and testing environment meet the technical requirements and conduct standards outlined by the proctoring provider.

The student’s continued use of this site and participation in any proctored program signifies the student’s acceptance of these terms.

11. Testimonial Disclaimer

Testimonials presented on the NAMU® website are submitted in various formats and reflect the individual experiences of those who have used our services and programs. While many testimonials represent positive results, such results are not guaranteed or necessarily typical. Outcomes may vary depending on individual circumstances, background, effort, and market conditions. Some individuals providing testimonials may have received free access or discounts in exchange for their submissions. The testimonials are posted verbatim except for grammar corrections or where they are shortened for clarity and conciseness. NAMU® does not verify every claim made in these testimonials and does not accept liability for their accuracy. The opinions and comments expressed are those of the individuals and do not necessarily reflect NAMU®’s views or policies.

12. Use of Certification Title and Branding

While students may reference their NAMU® certification designation on resumes, professional bios, and platforms such as LinkedIn, the use of the NAMU® logo or full brand name on business cards, promotional materials, websites, or advertisements is prohibited without explicit written authorization. Students may list the full name and acronym of their certification (e.g., Certified Master Mortgage Underwriter - NAMU®-CMMU®) within a certification section of professional profiles or signatures, provided that such reference does not misrepresent affiliation or imply licensure or governmental endorsement. Any misuse of the NAMU® brand may result in revocation of certification privileges.

13. Certification Disclaimer

NAMU® certification is intended exclusively for professional development purposes and is not a state or federally issued license or credential. Participation in NAMU® programs does not indicate government affiliation or recognition by regulatory bodies such as HUD, FHA, or VA. Passing a certification exam indicates that the student has completed coursework and successfully passed a timed, online proctored assessment. It does not imply legal authority to practice, nor does it guarantee employment, job placement, or business outcomes. NAMU® reserves the right to update curriculum or discontinue certifications at its sole discretion.

14. Directory Listing & Privacy Notice

By submitting your name and profile image for inclusion in the password protected NAMU® Certificant Directory, you expressly consent to have such information published and made publicly accessible on NAMU®’s platforms. This may include visibility by external users through search engines and direct links. You agree to hold harmless and indemnify NAMU®, its affiliates, directors, officers, employees, and agents from any claims or liabilities resulting from the publication of such content. You may request removal at any time by contacting our administrative office, and NAMU® will respond to such requests within a commercially reasonable timeframe.

15. Exam Retake Policy

NAMU® allows each student up to three (3) attempts to pass any certification exam. Between each failed attempt, the student must observe a fourteen (14) calendar day waiting period. If all three attempts result in failure, the student must wait a full year from the date of the third attempt before re-registering for the same certification. This policy is designed to preserve the integrity and standard of our programs while giving candidates ample time to review the material. Students are encouraged to prepare thoroughly before scheduling each attempt.

16. ADA Accessibility Commitment

NAMU® is dedicated to ensuring digital accessibility for all users, including individuals with disabilities. Our website and training platforms aim to conform with WCAG 2.0 Level AA standards, and we continually review and enhance our services to improve usability. All training videos feature closed captioning, and extended time is available for certification exams upon documented request. Students requiring accommodations may contact NAMU® directly at contact@mortgage-underwriters.org or call 800-865-8550 x104 during business hours. We are committed to responding to ADA accommodation requests promptly and respectfully.

17. Advertising and Endorsements

NAMU® may accept paid advertising from external parties under strict guidelines. Advertisements do not imply endorsement, approval, or recommendation of the products or services shown. NAMU® does not accept ads promoting illegal activities, firearms, gambling, pornography, alcohol, tobacco, or content deemed discriminatory or offensive. All advertisements must comply with applicable local, state, and federal laws. NAMU® reserves the right to reject, remove, or modify any advertisement at any time without notice, particularly if it is deemed in conflict with NAMU®’s mission or brand integrity.

18. Limitation of Liability

NAMU® provides its services, programs, and website content "as is" without warranties of any kind. To the fullest extent permitted by law, NAMU® disclaims all warranties, express or implied, including but not limited to fitness for a particular purpose, merchantability, or non-infringement. Under no circumstances shall NAMU®, its officers, directors, employees, or affiliates be liable for any indirect, incidental, consequential, special, or exemplary damages arising from your use of the site, certification programs, or third-party tools. You expressly agree that your participation is voluntary and at your sole risk.

19. Governing Law and Jurisdiction

This Terms of Use Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. Any dispute arising under or in connection with these terms shall be resolved exclusively in the state courts located in Broward County, Florida. By using this website and NAMU®’s services, you irrevocably consent to the jurisdiction and venue of such courts and waive any objection based on inconvenient forum or lack of jurisdiction.

20. Entire Agreement and Modification

These Terms of Use constitute the complete agreement between you and NAMU® regarding use of the site and participation in its programs and supersede any prior or contemporaneous communications. NAMU® reserves the right to update, revise, or replace these Terms of Use at any time. Such changes will be effective immediately upon posting. Continued use of NAMU®’s services after any modifications constitutes acceptance of those changes. A printed copy of these terms and any notices provided electronically shall be admissible in any legal proceedings relating to this agreement.

21. Force Majeure

Notwithstanding any other term or condition of the Terms of Use, NAMU® shall not be obligated to perform or observe its obligations undertaken in the Terms of Use if prevented or hindered from doing so by circumstances beyond its control.

22. Section Headings

Section headings are included for convenience only and are not to be used to construe or interpret the Terms of Use.   

23. MODIFICATION OF THESE TERMS, CONDITIONS AND NOTICES:

NAMU® reserves the right, at any time and from time to time, to change the Terms, Conditions and Notices under which this Web Site is offered.

24. External Terms of Use Agreements:

• CampusMortgage® Terms of Use: As the training division of NAMU®, CampusMortgage® conducts all the training classes included within each NAMU®/NAMP® Certification program. As such, the Student is subject to the CampusMortgage® Terms of Use when accessing a CampusMortgage® training class purchased from NAMU® — whether purchased as an individual class, or part of a NAMU®/NAMP® Certification Program/Bootcamp/Special Offer/Package Deal.

• NAMP® Terms of Use: As a NAMP® reseller, all NAMP® Certification programs purchased from NAMU® are subject to the NAMP® Terms of Use & NAMP® Certification Handbook.

25. No Job Placement Provided

NAMU® does not provide job placement assistance of any kind. Students who enroll in our certification programs should understand that, while our courses are designed to enhance professional knowledge and career preparedness, we do not guarantee employment or facilitate job matching services. Employment outcomes depend on a variety of external factors beyond NAMU®’s control, including but not limited to job market conditions, geographic location, individual experience, professionalism, communication skills, and the ability to network and interview effectively. As such, completion of a NAMU® certification should be viewed as one component of broader career development efforts, and not as a direct path to employment

26. Additional Disclaimers and Restrictions

• NAMU® Certification is Not a License NAMU® Certification is strictly a professional development program. It is not a government-issued license or credential, nor does it authorize the holder to engage in regulated mortgage activities in any jurisdiction. Students should confirm with their state or local regulators whether additional licensing is required to practice.

• Instructor Questions Not Permitted Students are not permitted to contact instructors directly with questions. To support independent learning, NAMU® includes authoritative source links in course presentations that students can reference to gain clarity on covered material. These links also help students stay updated on industry guideline changes.

• Disclaimer of Liability NAMU® makes no express or implied warranties with respect to any documents, training materials, or other content provided. This includes, but is not limited to, any warranties of merchantability or fitness for a particular purpose. NAMU® assumes no liability for any loss or damage resulting from reliance on such materials, nor for their completeness, accuracy, or usefulness.

• Disclaimer of Endorsement References to third-party products, services, or companies on NAMU®’s website or materials do not constitute endorsement or recommendation. Any such references are provided solely for informational purposes and do not imply affiliation or approval.

• Disclaimer for External Linkages NAMU® does not monitor or control external websites linked from its platforms and disclaims responsibility for their content or operation. These links are offered strictly for student convenience, and users access them at their own risk.

27. Hold Harmless and Indemnification

• NAMU® Certification Hold Harmless/Indemnify By proceeding with obtaining any NAMU® certification, you expressly agree to indemnify and hold harmless NAMU®, including its officers, directors, employees, shareholders, trustees, affiliates, and agents, from and against any and all liabilities, claims, actions, damages, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of (a) your negligent acts or omissions; or (b) any breach of the terms outlined in the NAMU® certification documentation. This indemnity shall survive the expiration or termination of your certification and remains enforceable indefinitely.

• CampusMortgage® Training Class Hold Harmless/Indemnify By enrolling in and participating in any CampusMortgage® training course, you agree to indemnify and hold harmless NAMU®, its officers, directors, employees, shareholders, trustees, affiliates, and agents from and against any and all claims, losses, damages, liabilities, and expenses—including reasonable attorneys' fees—arising out of any negligent act or omission by you during or after the training. This obligation shall remain in effect indefinitely, regardless of whether the training program has concluded or expired.

• 3rd-Party Learning Management Software (LMS) Hold Harmless/Imdemnification: NAMU®’s training division, CamusMortgage®, utilizes a third-party service provider to deliver online training classes as part of our certification programs. By using this website and participating in any training or certification program, you agree to hold harmless and indemnify NAMU® and its affiliates from any and all claims, damages, or losses arising out of or related to the use, performance, or availability of CampusMortgage®’s third-party Learning Management Software (LMS). NAMU® is not responsible for any technical issues, data loss, access interruptions, or other damages resulting from third-party systems beyond our control.

28. How To Contact Us

Here is our mailing address: National Association of Mortgage Underwriters (NAMU) — Presidential Circle — 4000 Hollywood Blvd. — Suite 555-South — Hollywood, FL 33021. You can email us at contact@mortgage-underwriters.org or call us at (800)865-8550.