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

Your Key to Conquering Mortgage Costs

Your Key to Conquering Mortgage Costs: Slash Rates and Save Thousands!

Owning a home is a dream for many, but the hefty price tag often comes with a hefty mortgage. But fear not, savvy borrowers! Here's your guide to unlocking lower mortgage rates and saving thousands on your home purchase:

Boost Your Credit Score:

Think of your credit score as your financial report card. A higher score screams "responsible borrower," leading to sweeter interest rates. Spend a month or two polishing your score:

Reduce your debt: Pay down balances to lower your credit utilization ratio.
Make timely payments: Missing payments is a red flag – stay on top of your bills.
Challenge errors: Ensure your credit report is accurate by disputing any mistakes.

Shop Around, Don't Settle:

Treat your mortgage like a new car – comparison shop! Different lenders offer varying rates and terms. Don't get lured by the first catchy ad:

Get quotes from multiple lenders: Compare rates, fees, and loan types.
Consider online marketplaces: These can streamline the comparison process.
Use a mortgage calculator: Estimate monthly payments and total costs for different options.

The Power of the Down Payment:

Putting more money down translates to less money borrowed and lower interest. While some loans allow low or no down payments, consider the bigger picture:

Reduced risk for lenders: They reward you with lower rates for a smaller loan amount.
Lower monthly payments: This frees up more cash for other expenses.
Equity boost: You own a larger portion of your home from the start.

Beyond the Basics:

Remember, these are just the essentials. Explore other avenues for potential savings:

Negotiate closing costs: Some lenders are open to negotiating fees.
Consider government loans: FHA and VA loans offer benefits for qualified borrowers.
Look for introductory rates: Some lenders offer lower rates for the initial loan term.

Remember:

Time is your friend: Start preparing early to improve your credit score and research options.
Seek professional guidance: A mortgage broker can offer personalized advice and navigate the complexities.
Don't rush: Make informed decisions based on your financial situation and long-term goals.

By following these tips, you can secure a mortgage that fits your budget and saves you thousands over the life of your loan. Remember, your dream home shouldn't come with a financial nightmare – empower yourself with knowledge and conquer those mortgage costs!

Mortgage