Information and Disclaimers

Pre-Qualification Letter Disclaimer

The mortgage eligibility estimates and pre-qualification letters generated through our Services:

• Are not loan approvals - They are estimates based solely on unverified information you provide
• Are not commitments to lend - No lender is obligated to extend credit based on our estimates
• Do not guarantee loan terms - Actual rates, terms, and approval depend on lender underwriting
• Are not legally binding - They do not create any contractual obligations
• Have limited validity - Market conditions and your circumstances may change

To obtain actual loan approval, you must apply directly with a licensed mortgage lender who will verify your information, review your credit, and conduct full underwriting.

Calculator and Tool Disclaimers

The calculators and tools on our website are designed to help you understand mortgage concepts and estimate potential outcomes. Please note:

• Results are estimates only and may not reflect actual loan terms
• Calculations assume standard scenarios and may not account for all factors
• Interest rates used are for illustration and may not reflect current market rates
• Tax and insurance estimates are approximations based on general assumptions
• Your actual mortgage payment may be higher or lower than estimated
• Calculators do not account for all fees, costs, or loan-specific factors

Always consult with a licensed mortgage professional for accurate quotes and loan terms.

Rate Information Disclosure

Interest rates and Annual Percentage Rates (APRs) displayed on our website:

• Are sourced from publicly available data (such as Federal Reserve Economic Data)
• Represent general market indicators, not specific loan offers
• May be delayed and not reflect real-time market conditions
• Do not include points, fees, or other costs that affect the total cost of borrowing
• Are subject to change without notice

The rate you qualify for depends on your individual circumstances, including credit score, down payment, loan amount, property type, and the specific lender's pricing.

Credit Score Information

When we ask about your credit score, we are requesting a self-reported estimate. Please understand:

• We do not pull your credit report or perform credit inquiries
• Self-reported credit scores may differ from scores used by lenders
• Different credit scoring models produce different scores
• Lenders may use different score versions than you see on consumer services
• Your credit score is one of many factors in mortgage qualification

Income and Debt Verification

The income and debt information you provide to our calculators is not verified. Actual mortgage qualification requires:

• Documentation of income (pay stubs, W-2s, tax returns)
• Verification of employment
• Credit report review showing actual debt obligations
• Asset verification for down payment and reserves
• Other documentation as required by the lender

The debt-to-income (DTI) ratios calculated by our tools are estimates. Lenders may calculate DTI differently and consider additional obligations.

Loan Program Information

Information about loan programs (Conventional, FHA, VA, etc.) is provided for educational purposes:

• Program requirements and guidelines change periodically
• Lenders may have overlays (additional requirements) beyond program minimums
• Not all lenders offer all loan programs
• Eligibility requirements shown are general guidelines, not guaranteed criteria
• Actual availability depends on your specific circumstances and lender offerings

Third-Party Content and Links

Our website may contain links to third-party websites and content from external sources:

• We do not control or endorse third-party content
• Third-party websites have their own terms and privacy policies
• We are not responsible for the accuracy of external information
• Links are provided for convenience and do not imply endorsement
• Use third-party services at your own risk

No Professional Advice

Nothing on our website constitutes:

• Financial advice - Consult a licensed financial advisor for personal financial guidance
• Legal advice - Consult an attorney for legal questions
• Tax advice - Consult a tax professional for tax-related questions
• Real estate advice - Consult a licensed real estate professional for property matters
• Investment advice - Consult a licensed investment advisor for investment decisions

Our educational content is general in nature and may not apply to your specific situation.

Special Offers and Promotions

Any promotional offers (such as appraisal credits or closing cost assistance) displayed on our website:

• Are subject to availability and may be changed or discontinued at any time
• Are typically provided by lending partners, not Our Loan Pro directly
• Require meeting certain qualification criteria
• May have additional terms and conditions
• Cannot be combined with other offers unless specifically stated
• Are applied at loan closing if all requirements are met

Review the full terms of any offer before relying on it in your decision-making.

Data and Market Information

Market data, statistics, and trends presented on our website:

• Are compiled from sources believed to be reliable but not guaranteed
• May be historical and not predictive of future performance
• Are subject to revision and correction
• Should not be the sole basis for financial decisions

Accuracy of Information

While we strive to provide accurate and up-to-date information:

• We cannot guarantee the accuracy of all information on our website
• Information may become outdated as regulations and market conditions change
• Errors and omissions may occur
• We are not liable for decisions made based on our content

Always verify important information with qualified professionals before making decisions.

Contact Us

If you have questions about these disclosures or need clarification, please contact us:

Our Loan Pro
Email: info@ourloanpro.com
Phone: 1-800-888-0000