What is the return policy?

Most unopened items in new condition and returned within 90 days will receive a refund or exchange. Some items have a modified return policy noted on the receipt or packing slip. Items that are opened or damaged or do not have a receipt may be denied a refund or exchange. Items purchased online or in-store may be returned to any store. Online purchases may be returned via a major parcel carrier. Click here to initiate a return.

How long does it take to process a refund?

We will reimburse you for returned items in the same way you paid for them. For example, any amounts deducted from a gift card will be credited back to a gift card. For returns by mail, once we receive your return, we will process it within 4–5 business days. It may take up to 7 days after we process the return to reflect in your account, depending on your financial institution's processing time.

What is the policy for late/non-delivery of items ordered online?

Our local teams work diligently to make sure that your order arrives on time, within our normaldelivery hours of 9AM to 8PM in the recipient's time zone. During busy holiday periods like Christmas, Valentine's and Mother's Day, we may extend our delivery hours before 9AM and after 8PM to ensure that all gifts are delivered on time. If for any reason your gift does not arrive on time, our dedicated Customer Service agents will do everything they can to help successfully resolve your issue. Click here to complete the form with your order-related question(s).

When will my credit card be charged?

We'll attempt to securely charge your credit card at the point of purchase online. If there's a problem, you'll be notified on the spot and prompted to use another card. Once we receive verification of sufficient funds, your payment will be completed and transferred securely to us. Your account will be charged in 24 to 48 hours.

Will I be charged sales tax for online orders?

Local and State sales tax will be collected if your recipient's mailing address is in: Arizona California Colorado

Mortgage

February 07, 2024

Unlocking the Power of Mortgage Calculators

Beyond Monthly Payments: Unlocking the Power of Mortgage Calculators

Mortgage calculators often reside on lenders' websites, enticing you with a glimpse of your dream home affordability. But this handy tool has hidden depths, offering more than just monthly payment estimates. Buckle up, future homeowner, as we unlock the true potential of mortgage calculators!

Beyond the Basics:

While understanding monthly payments is crucial, delve deeper:

Loan Comparisons: FHA vs. conventional loans? Input details for both and see interest rates, total costs, and monthly payments side-by-side. Choose the loan that truly fits your budget and goals.
Term Exploration: Want to explore shorter or longer loan terms? The calculator reveals how they impact monthly payments, total interest paid, and the overall loan duration. Find the sweet spot that balances affordability and repayment speed.
Savings Strategies: Planning extra payments towards your principal? See how they accelerate debt repayment and reduce total interest costs. Visualize the financial benefits of putting even small amounts towards early payoff.

FHA vs. Conventional: A Calculator Showdown:

These two loan titans dominate the field, each with its unique features. The calculator becomes your battle arena:

Input Key Differences: Enter interest rates, down payment amounts, and mortgage insurance for both loan types. See how these factors influence affordability and total costs.
Identify the Winner: Based on your financial situation and goals, the calculator reveals which loan reigns supreme in terms of affordability and long-term savings. Make an informed decision, not just a convenient one.

Remember:

Multiple Calculations: Don't settle for one scenario. Experiment with different interest rates, down payments, and terms to understand how they affect your affordability.
Seek Professional Guidance: While the calculator empowers you, a mortgage broker can provide personalized advice based on your specific circumstances.
Free and Accessible: These tools are readily available online, offering a no-obligation way to explore your options and make informed decisions.

The Takeaway:

Mortgage calculators are not just payment calculators; they're financial crystal balls! Use them to compare loans, explore terms, and discover savings strategies. Remember, knowledge is power, and with the right calculations, you can unlock the door to your dream home with confidence and financial savvy.

Mortgage