Terms of Use

These Terms of Use govern your access to and use of this website (the “Site”) operated by Mortgage Expert, Inc. dba The Mortgage Expert (“Mortgage Expert,” “we,” “us,” or “our”). By using this Site, you agree to these Terms of Use. If you do not agree, you should not use this Site.

Purpose of this Site

This Site provides general educational information about mortgage topics and may provide tools such as calculators and contact forms. Information provided on this Site is for informational purposes only and is not a substitute for personalized financial, legal, or tax advice.

Nothing on this Site constitutes a commitment to lend, a guarantee of approval, or a guarantee of specific loan terms.

Eligibility and Licensing

Mortgage Expert, Inc. is licensed to conduct mortgage business in the State of Florida. Mortgage services are offered only in jurisdictions where Mortgage Expert is properly licensed or exempt from licensing requirements.

Nothing on this Site constitutes an offer to lend in any state or jurisdiction where Mortgage Expert is not authorized to operate. Loan program availability, terms, and guidelines vary by state and borrower qualification.

This Site is intended for individuals who can form legally binding agreements under applicable law.

No Rate Quotes or Loan Offers

Rates, payments, savings examples, and loan scenarios shown on this Site, including within calculators, are estimates based on assumptions for modeling purposes only. Actual interest rates, APR, fees, and loan terms depend on factors including credit profile, loan to value, property type, occupancy, loan program, and market conditions at the time of rate lock.

User Responsibilities

  • You agree to provide accurate and truthful information when submitting forms or requesting services.
  • You are responsible for reviewing disclosures and documents provided during any mortgage transaction.
  • You agree not to use this Site in any manner that violates applicable laws or infringes the rights of others.

Prohibited Conduct

You may not:

  • Attempt to gain unauthorized access to any part of the Site or its systems
  • Introduce malware, malicious code, or harmful scripts
  • Scrape, harvest, or copy content without permission
  • Use the Site for unlawful, misleading, or fraudulent purposes
  • Impersonate another individual or misrepresent your identity

Intellectual Property

All content on this Site, including text, graphics, branding, layout, videos, and tools, is owned by Mortgage Expert or its licensors and is protected by intellectual property laws. You may view and print materials for personal, non commercial use only. Any other use requires prior written permission.

Third Party Links

This Site may include references or links to third party websites. We do not control those third party websites and are not responsible for their content, privacy practices, or availability. The inclusion of a link does not imply endorsement.

Privacy

Your use of this Site is also subject to our Privacy Policy. If you submit information through this Site, you consent to the collection and use of that information as described in our Privacy Policy and any disclosures provided during the mortgage process.

Text, Email, and Phone Communications

If you provide your contact information, you consent to be contacted by Mortgage Expert and its service providers regarding your inquiry, application, or transaction, including by phone, email, or text message where permitted by law.

Message and data rates may apply. You may opt out of text communications at any time by replying STOP. Your consent to receive marketing communications is not required as a condition of receiving mortgage services.

Accuracy of Information

While we strive to provide accurate and current information, we do not guarantee that content on this Site is complete, accurate, or up to date. Mortgage guidelines, rates, and market conditions change without notice. We reserve the right to modify or remove content at any time.

Disclaimer of Warranties

This Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Mortgage Expert disclaims all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by law, Mortgage Expert shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or reliance on its content. If liability is established, total liability shall be limited to the amount paid, if any, to access the Site.

Governing Law

These Terms of Use are governed by the laws of the State of Florida. Any legal action relating to these Terms or your use of the Site shall be brought in the appropriate courts located in Florida.

Contact Information

Effective Date

These Terms of Use are effective as of February 11, 2026 and may be updated periodically.

Equal Housing Opportunity.

Mortgage Expert, Inc. dba The Mortgage Expert • NMLS ID: 2412313 • Florida Licensed Mortgage Broker

This Site is for informational purposes only and does not constitute a commitment to lend. All loans are subject to credit approval, property approval, and program guidelines.