Terms & Disclosures

English

EasyMortgage is an educational planning tool presented with Valdir Borba, Mortgage Loan Officer, NMLS 912056. It is not a lender, automated underwriting system, loan approval, pre-approval, rate quote, APR disclosure, commitment to lend, legal opinion, immigration advice, tax advice or investment recommendation.

Mortgage estimates

Calculator results are estimates based on the values you enter and standard fixed-rate amortization. Actual payments, rates, APR, mortgage insurance, taxes, insurance, HOA charges, closing costs and lender fees can differ. Market reference rates are informational national averages, not an offer.

Eligibility and immigration

U.S. citizenship is not the only factor relevant to owning or financing U.S. real estate. Eligibility depends on the borrower's legal/residency profile, identification and tax documentation, property use, credit, income, assets, lender program, licensing and applicable law. Immigration consequences and mortgage eligibility are separate issues and should be reviewed with appropriately qualified professionals.

Foreign ownership restrictions

Federal, state and local laws may impose restrictions, reporting duties or special rules on some foreign persons or certain properties. The app does not determine whether a particular purchase is legally permitted.

Documents and security

The document checklist is a planning aid only. A lender or mortgage professional may request additional or different documents. Sensitive documents should be transmitted only through an approved secure channel.

Professional review

Any financing is subject to licensing, lender/program requirements, credit and underwriting review, property eligibility and other restrictions. Use the professional licensing and disclosures link in EasyMortgage to review current public licensing information.

Español

EasyMortgage es una herramienta educativa y no constituye aprobación, preaprobación, cotización de tasa, APR, compromiso de préstamo ni asesoría legal, migratoria, fiscal o de inversión. Los resultados de la calculadora son estimaciones. La elegibilidad depende del perfil legal/residencial, documentación, crédito, ingresos, activos, uso de la propiedad, programa, licencias y ley aplicable. La ciudadanía estadounidense no es el único factor relevante para comprar o financiar bienes raíces en EE.UU.

Português

O EasyMortgage é uma ferramenta educacional e não constitui aprovação, pré-aprovação, cotação de taxa, APR, compromisso de empréstimo ou aconselhamento jurídico, migratório, fiscal ou de investimento. Os resultados da calculadora são estimativas. A elegibilidade depende do perfil legal/residencial, documentação, crédito, renda, ativos, uso do imóvel, programa, licenciamento e lei aplicável. Cidadania americana não é o único fator relevante para comprar ou financiar imóveis nos EUA.