Terms of Use

Attorney-gate note: these terms are drafted for review and must be confirmed with counsel before launch.

Educational tool only

This website provides an educational mortgage-readiness estimate. It is not a loan application, not a commitment to lend, and not legal, tax, or financial advice. Results depend on the information you provide and on assumptions the tool makes. Nothing here creates a lender–borrower relationship.

No professional advice

Only a licensed loan originator who reviews your full documentation can advise you on actual loan options. Any estimate here is informational and may change as guidelines, rates, and your circumstances change.

Your information

Our handling of the information you provide is described in the Privacy Policy. By using the site you agree to that policy.

Acceptable use

You agree not to interfere with the operation of the site, submit false information, or use automated systems to scrape, spam, or overload it. We may suspend access for abuse.

No warranty; limits

The site is provided "as is." To the fullest extent permitted by law, we make no warranty of accuracy, completeness, or fitness for a particular purpose, and we are not liable for decisions you make based on the educational estimates shown here.

Fair lending

We operate in accordance with federal and state fair-lending laws and do not consider race, color, religion, national origin, sex, marital status, age, or familial status in the information this tool presents.

Licensing and contact

E Mortgage Capital — Licensed Mortgage Broker, NMLS #1416824. Loan Originator: Quan Pham, NMLS #1019158. Licensing varies by state — verify NMLS status via NMLS Consumer Access and confirm your originator is licensed in your state. Questions: hello@notify.qurealtysol.com.