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

Mortgage Market Mayhem: Unveiling the Chaos

Mortgage Market Mayhem: Unveiling the Chaos and Finding Your Way Through

The mortgage market is in a frenzy, and headlines scream about shuttered lenders and frozen loans. Don't panic! Let's break down the situation and explore your options amidst the chaos.

The Culprits:

Alt-A & Jumbo Loans: These riskier loans, given to borrowers with lower credit scores or for larger amounts, became problematic because they couldn't be sold on the open market.
Wall Street: Investors stopped buying these loans, leaving banks stuck with them.
Adjustable Rate Mortgages (ARMs): As interest rates rise, many borrowers struggle with these variable-rate loans.

The Blame Game:

Fingers point in all directions: banks for lending, Wall Street for buying, borrowers for taking on risk, and brokers for pushing products. Determining the single culprit is impossible, but the consequences are real.

The Fallout:

Subprime lenders specializing in these loans collapse.
Home prices drop as many owe more than their homes are worth.
Stock markets take a hit due to investor fear.

Where Do We Go From Here?

The Fed: Their decision to inject funds into the market shows they're trying to stabilize things. Lowering interest rates could backfire if more ARM borrowers default.
Banks: Many have tightened lending criteria and stopped offering riskier loans.
Private Investors: Some mortgage brokers still work with private investors offering alternatives, albeit with stricter terms.

What You Can Do:

Stay informed: Monitor the situation but avoid sensationalized news.
Consult a professional: Mortgage brokers can navigate the changed landscape and guide you towards suitable options.
Consider your needs: Don't rush into any loan. Ensure it aligns with your income, credit score, and long-term plans.
Explore alternatives: FHA and VA loans might offer options for qualified borrowers.

Remember:

The situation is evolving, but opportunities still exist.
Seek professional guidance to find the right loan for your circumstances.
Don't be afraid to ask questions and make informed decisions.

While the mortgage market faces challenges, navigating it wisely is possible. Stay informed, seek professional help, and remember, responsible borrowing is key in any market condition.

Mortgage