Terms of Use
These terms apply when you use this website, which National Mortgage Guides ("we", "us") owns and operates. By using the site, you agree to them. If you don't agree, please don't use the site.
What This Site Is
We publish guides and calculators about home loans and reverse mortgages, and, if you ask, we pass your request to one licensed lender named on our form. National Mortgage Guides is not a lender or mortgage broker. We don't make loans or credit decisions, and we aren't affiliated with HUD, FHA or any government agency.
Information, Not Advice
Our guides are general information, not financial, legal or tax advice. Estimates and calculator results are only as good as the numbers you enter and aren't offers of credit. Loan terms, costs and whether a loan is available to you come only from a lender.
Who Can Use the Site
You must be at least 18 years old and able to agree to these terms.
Your Requests and Contact From a Lender
When you send a request, you confirm that the information is yours and accurate, and that the phone number is one you own or are authorized to use. If you check the box on our form, you agree that the lender named there may call and text you, including with automated technology and artificial or AI-generated voices, as the form says. Agreeing is never a condition of buying anything, and you can stop at any time. See Consent to Contact for every version of the wording and how to stop.
The lender is a separate company. Its own terms and privacy policy apply to anything you do with it, and we aren't responsible for its products, decisions or conduct.
Privacy
Our Privacy Policy explains what we collect, how we use it and who we share it with. It's part of these terms.
Using the Site
You may use the site for your own personal, non-commercial purposes. Please don't copy, resell or republish its content, scrape it with automated tools, send false or someone else's information, interfere with how it works, or use it to break the law.
The site and its content, including text, graphics, logos and calculators, belong to us or the people who license them to us. We may change, suspend or stop any part of the site at any time.
Links to Other Sites
We link to government agencies, lenders and other sites we don't control. We aren't responsible for their content, and their own terms apply to them.
Disclaimers
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DON'T PROMISE THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ITS INFORMATION IS COMPLETE OR CURRENT.
Limitation of Liability
TO THE FULLEST EXTENT THE LAW ALLOWS, WE AREN'T LIABLE FOR ANY LOST PROFITS, LOST DATA OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, AND OUR TOTAL LIABILITY FOR ANY CLAIM ABOUT THE SITE IS LIMITED TO $50. Some states don't allow these limits, so they may not apply to you.
Indemnity
If you misuse the site, break these terms or break the law while using it, you agree to cover our reasonable costs, including attorneys' fees, of any claim that results.
Notice for California Residents
Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N112, Sacramento, CA 95834, or by phone at (800) 952-5210.
Changes to These Terms
If we change these terms, we'll update the date at the top. Using the site after a change means you accept the new terms.
General
If any part of these terms can't be enforced, the rest still applies. Not enforcing a term isn't a waiver of it. These terms and our Privacy policy are the whole agreement between you and us about the site.
Contact Us
- Phone: 1 (833) 445-1349