Read below for important information on how to participate in the #USAWelcomeHome giveaways.

Post a photo using the hashtag #USAWelcomeHome to share your story of we helped you find a home using #USAWelcomeHome for your chance to win a $100 gift card courtesy of our USA Direct Funding family.

Monthly winners will be chosen at random and quarterly winners will be announced every quarter for the $500 gift card.



All times in the Contest (defined below) refer to Pacific Time (“PT”). 

Odds of winning any monthly prize depend upon the number of eligible Entries (defined below) received during the corresponding Monthly Entry Period (defined below). The Contest (defined below) is subject to all applicable federal, state, and local laws.

1.  CONTEST PERIOD:  The USA Direct Funding #DMWelcomeHome Contest (the “Contest”) will begin on September 1, 2018 AT 12:00 AM and end on May 31, 2019 at 11:59 PM (“Overall Contest Period”).

The Contest consists of nine (9) “Monthly Entry Periods,” conducted during the Overall Contest Period.  Each Monthly Entry Period will begin on the first day of the month at 12:00 AM, immediately following the end of the previous Monthly Entry Period, and end on the last day of the month at 11:59 PM.  The first (1st) Monthly Entry Period will begin May 1, 2017 12:00 AM and end the Sunday, May 31 at 11:59 PM.  The final Monthly Entry Period will begin on Saturday September 1, 2018, immediately following the end of the final Monthly Entry Period, and end on May 31, 2019 at 11:59 PM. The quarterly selection will take place on December 1st, March 1st and May 1st.

2.  ELIGIBILITY:  Open only to permanent, legal United States (“U.S.”) residents and who are eighteen (18) years of age or older as of the start of the Contest Period. Officers, directors, and employees of Contest Entities (defined below), members of these persons’ immediate families (spouses and/or parents, children, and siblings and their spouses, regardless of where they reside), and/or persons living in the same households as these persons (whether or not related thereto) are not eligible to enter or win the Contest. Contest Entities, as referenced herein, shall include USA Direct Funding (“USA Direct”), their respective parent, subsidiary, and affiliate companies, their administrative and promotion agencies, and any other entity involved in the development, administration, promotion, or implementation of the Contest.

3. HOW TO ENTER: To enter the monthly prize drawing, post a picture of yourself to Twitter, Facebook, or Instagram, with the hashtag “#USAWelcomeHome,” during one of the Monthly Entry Periods.  The monthly prize winner will be chosen at random from qualifying entries made during the corresponding Monthly Entry Period.  USA Direct will count one (1) entry per household during each Monthly Entry Period, The eligible entry will be the first post that is submitted to Facebook, Twitter, or Instagram during each Weekly Entry Period.  Entrants warrant that their submissions adhere to the spirit of the Contest and are appropriate in nature; USA Direct maintains the sole right and discretion to determine eligibility based on these requirements.  There is a limit of one (1) monthly prize per household. 

The winners of each Monthly Entry Period’s drawing will be entered into the quarterly pool.  The #USAWelcomeHome story of the quarter prize winner will be chosen by USA Direct Funding employees.  USA Direct retains sole discretion to determine voting eligibility and rules. 

4. OWNERSHIP AND LICENSE:  All Twitter, Facebook, or Instagram entries (collectively, “Entries” or "Entry") to the Contest become the property of USA Direct and will not be acknowledged. Limit one (1) Entry per household during Contest Period. Multiple Entries received from any person or Facebook account beyond the stated limit will void all such additional Entries. USA Direct's computer shall be the official timekeeper for all matters related to the Contest. Entries generated by a script, macro, or other automated means will be disqualified. Entries that are incomplete, garbled, corrupted, or unintelligible for any reason, including, but not limited to, computer or network malfunction or congestion, are void and will not be accepted. In case of a dispute over the identity of an entrant who made a potentially winning Entry, USA Direct reserves the right to deem that the Entry was made by the registered subscriber of the email address associated with the submitting profile. Entry constitutes permission (except where prohibited by law) to use entrant’s name, city, state, likeness, image, and/or voice for purposes of advertising, promotion, and publicity in any and all media now or hereafter known, throughout the world in perpetuity, without additional compensation, notification, permission, or approval.

PRIVACY: Any personal information supplied by entrants to USA Direct will be subject to USA Direct’s respective privacy policies. If, at any time, you no longer wish to receive materials from USA Direct and/or their selected partners, please call associated number to opt out of these communications.

5. WINNER SELECTION AND NOTIFICATION:  For each Monthly Entry Period, nine (9) winners will be selected on the first business day immediately following the end of the period at USA Direct’s office, located at 4550 Kruse Way, #325, Lake Oswego, Oregon 97035. Winners of each Monthly Entry Period will be selected at random.  

Each period’s winners will be announced on our Facebook page www.facebook.com/USADirectFunding following the drawing. If any winner cannot be reached, if he/she is found to be ineligible, if he/she cannot or does not comply with these Official Rules, or if his/her prize or prize notification is returned as undeliverable, said winner will be disqualified and, time permitting, at USA Direct’s sole discretion, an alternate winner may be selected from the remaining eligible entrants.

6. PRIZES: All prizes must be claimed IN PERSON, at the offices of USA Direct at 4550 Kruse Way, #325, Lake Oswego, Oregon 97035.  No prize will be shipped or mailed.  The winner of any prize must be able to show valid Oregon or Washington identification at the time of claiming his/her prize. 

The winners of each Monthly Entry Period will receive: (1) a $100 gift card; and (2) will become eligible as a finalist to be selected as #USAWelcomeHome Story of the Quarter.   

The content of each gift card will be determined by USA Direct, and may change each Monthly Entry Period.   

The Actual Retail Value (“ARV”) of the prize is the actual value of merchandise at the time of award.  All winners will receive an Internal Revenue Service Form 1099 for the ARV of the prize in the tax year it was awarded. USA Direct will determine all prize details in their sole discretion. USA Direct reserves the right to substitute a prize of comparable or greater value for any reason at their sole discretion. All federal, state and local taxes and other unspecified expenses, costs, or fees associated with the acceptance and/or use of the Prize are the sole responsibility of winner.  Any illustrations and/or depictions of any prize are for illustrative purposes only and any prize element images shown in any promotional material may not be actual prize elements awarded.

7. NO PRIZE TRANSFER OR SUBSTITUTION:  No prize may be transferred by its winner and is valid only for the items detailed above, with no substitution of prize by its winner. Winner is solely responsible for all costs, incidentals, and any other expenses not specifically mentioned as being included in the Prize.

8. CONDITIONS: By entering the Contest, each entrant agrees for entrant and for entrant’s heirs, executors, and administrators (a) to release and hold harmless Contest Entities, Facebook, Twitter, Instagram, and their respective officers, directors, and employees (collectively, “Released Parties”) from any liability, litigation, or damage that may occur, directly or indirectly, whether caused by negligence or not, from such entrant’s participation in the Contest and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof (including any travel related thereto); (b) to indemnify Released Parties from any and all liability resulting or arising from the Contest and to hereby acknowledge that Released Parties have neither made nor are in any manner responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to any prize, including express warranties provided exclusively by any prize supplier that are sent along with any prize; (c) to abide by all user agreements between entrant and any website, to included Facebook, Twitter, and Instagram; (d) if selected as a winner, to the posting of such entrant’s name on www.usadirectfunding.com/, www.usadirectfunding.com/WelcomeHome, and/or any other affiliate website now, or hereafter operated by USA Direct, and the use by Released Parties of such name, voice, image, and/or likeness for publicity, promotional, and advertising purposes in any and all media now or hereafter known, throughout the world in perpetuity, without additional compensation, notification, permission, or approval, and, upon request, to the giving of consent, in writing, to such use; and (e) to be bound by these Official Rules and to waive any right to claim any ambiguity or error therein or in the Contest itself, and to be bound by all decisions of the USA Direct which are binding and final. Failure to comply with these conditions may result in disqualification from the Contest at USA Direct’s sole discretion. Winners must present identification that is valid in the states of Oregon or Washington, and also be able to pick up prize in at the USA Direct's office at 4550 Kruse Way, #325, Lake Oswego, Oregon 97035 unless otherwise indicated. Special arrangements may, at USA Direct's sole discretion, be made for winners who are not able to pick up their prizes in person.

USA Direct offers mortgage loan origination services, the costs of which are typically paid by borrowers.  All information collected by USA Direct from any entrant may be used to contact entrant with communications, offers, or promotions related to mortgage loan services.  By entering the Contest, all entrants agree to contact USA Direct directly if entrant no longer wants to receive communications. 

9. ADDITIONAL TERMS:  USA Direct reserves the right to permanently disqualify from the Contest or any promotion any person they believe has intentionally violated these Official Rules. Any attempt to deliberately damage the Contest or the operation thereof is unlawful and subject to legal action by sponsors, who may seek damages to the fullest extent permitted by law. The failure of USA Direct to comply with any provision of these Official Rules due to an act of God, hurricane, war, fire, riot, earthquake, terrorism, act of public enemies, actions of governmental authorities outside of the control of Directors (excepting compliance with applicable codes and regulations), or other “force majeure” event will not be considered a breach of these Official Rules. Released Parties assume no responsibility for any injury or damage to entrants’ or to any other person’s computer relating to or resulting from entering or downloading materials or software in connection with the Contest.

Facebook, Twitter and Instagram are not associated in any way with the Contest and/or USA Direct.  Released Parties are not responsible for telecommunications, network, electronic, technical, or computer failures of any kind; for inaccurate transcription of Entry information; for errors in any promotional or marketing materials or in these Official Rules; for any human or electronic error; or for Entries that are stolen, misdirected, garbled, delayed, lost, late, damaged, or returned. USA Direct reserves the right to cancel, modify, or suspend the Contest or any element thereof (including, without limitation, these Official Rules) without notice in any manner and for any reason (including, without limitation, in the event of any unanticipated occurrence that is not fully addressed in these Official Rules). In the event of cancellation, modification, or suspension, USA Direct reserves the right to select the winner in a random drawing from among all eligible, non-suspect Entries received prior to the time of the event warranting such cancellation, modification, or suspension. Notice of such cancellation, modification, or suspension will be posted at the website (http://www.facebook.com/USADirectFunding). USA Direct may prohibit any entrant or potential entrant from participating in the Contest, if such entrant or potential entrant shows a disregard for these Official Rules; acts with an intent to annoy, abuse, threaten, or harass any other entrant, USA Direct, or USA Direct’s agents or representatives; or behaves in any other disruptive manner (as determined by USA Direct in its sole discretion).

10. DISPUTES: The contest is governed by, and will be construed in accordance with, the laws of the state of Oregon, and the forum and venue for any dispute shall be in Lake Oswego, Oregon. if the controversy or claim is not otherwise resolved through direct discussions or mediation, it shall then be resolved by final and binding arbitration administered by judicial arbitration and mediation services, inc., in accordance with its streamlined arbitration rules and procedures or subsequent versions thereof (“jams rules”). the jams rules for selection of an arbitrator shall be followed, except that the arbitrator shall be experienced and licensed to practice law in Oregon. all proceedings brought pursuant to this paragraph will be conducted in the county of Washington, state of Oregon. the remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney’s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief.