Disclaimer
Independence
This site is published as an independent educational resource and is not currently running any external commercial features. If that ever changes, we will clearly disclose it here and on the relevant pages.
No financial, legal, or tax advice
The information on this site is provided for general educational purposes only. It is not financial advice, legal advice, tax advice, or accounting advice, and it should not be relied on as such. Examples, calculators, and rate snapshots are illustrative and not personalized to your situation. Always consult a licensed financial professional, attorney, or accountant about your specific circumstances before making a decision.
Not a lender, broker, or mortgage loan originator
HomeMortgageOnline.com is not a licensed mortgage lender, mortgage broker, or mortgage loan originator under federal, state, or local law. HomeMortgageOnline.com does not:
- Make mortgage loans.
- Take or process mortgage applications.
- Issue commitments or pre-approvals.
- Lock interest rates.
- Collect mortgage payments.
- Provide financial, legal, accounting, or tax advice.
HomeMortgageOnline.com provides educational content only. All lending decisions, disclosures, and loan documents are between you and the licensed lender you choose. Any reference to NMLS-licensed lenders refers to third parties, not to HomeMortgageOnline.com.
No rate-lock or rate guarantee
Rates displayed on this site are illustrative national averages or estimates and are not commitments to lend or rate locks. Your actual rate depends on credit, loan size, occupancy, property type, program, and other factors and will only be established by a licensed lender after a complete application.
Accuracy
We do our best to keep content current and accurate but make no guarantee. Mortgage regulations, program limits, and rates change frequently. If you spot an error, email hello@homemortgageonline.com.