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

Self-Employment Thwart Your Homeownership Dreams!

Don't Let Bad Credit or Self-Employment Thwart Your Homeownership Dreams!

Buying a home is a major life goal, but blemishes on your credit report or the uncertainty of self-employment can make securing a mortgage feel like an uphill battle. Fear not, determined dreamers! Here's why you shouldn't give up:

Beyond Traditional Lenders: Specialized Options Exist

Gone are the days when bad credit or self-employment automatically disqualified you from homeownership. Specialized mortgage companies understand your unique circumstances and offer solutions:

Bad Credit Mortgages: Tailored loans for borrowers with past credit issues, often at competitive rates. Remember, timely repayments can even improve your credit score over time!
Self-Employed Mortgages: Lenders who consider factors like business income and tax returns, providing options beyond traditional employment verification.

Shop Around, Compare, and Avoid Exploitation:

While understanding lenders exist, vigilance is key:

Get Multiple Quotes: Compare rates, terms, and any early repayment penalties to avoid overpriced options.
Do Your Research: Check online reviews and verify lender credentials to ensure their legitimacy.

The Web: Your Information & Comparison Powerhouse:

The internet is your friend when navigating bad credit or self-employed mortgages:

Comprehensive Guides: Access free resources explaining these loan types, guiding you through the process.
Comparison Tools: Compare multiple lenders side-by-side, evaluating features and benefits objectively.
Instant Quotes: Get a quick estimate of your affordability to manage expectations and budget effectively.

Remember:

Transparency is Key: Be upfront about your credit history and income sources to secure the best possible options.
Seek Professional Guidance: Consider consulting a mortgage broker specializing in bad credit or self-employed mortgages for personalized advice.

Don't let past credit issues or self-employment hold you back. With proactive research, careful comparison, and the right lender, your dream home can still become a reality. Remember, knowledge is power, and the web is your key to unlocking mortgage options you might not have thought possible!

Mortgage