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Disclaimer is a online mortgage guide service. We are not a Lender or Broker and make no offer to lend money, the information you obtain on this site is for educational purposes only. This site contains links to other sites. These include links to individual lender/broker sites that offer consumer and business loans, as well as links to other third party sites that offer credit reports, property valuation information, insurance quotes, etc. is not responsible for the privacy practices or the content of such Web sites. Rates, Products and Terms are subject to change. All loan programs are not available in every state, contact a licensed mortgage lender for all loan programs that are available in your state . Not every applicant qualifies for every loan program and all applications must meet underwriting guidelines.