DISCLAIMERS & DISCLOSURES PAGE

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Disclaimers & Disclosures
Effective Date: January 31, 2026

1. Education-Only Services (Not Lending)
   Mortgage Unplugged provides general mortgage readiness education, financial education, and document organization support. We are not a lender, mortgage broker, mortgage banker, mortgage loan originator, or underwriter. We do not take loan applications. We do not offer or negotiate the terms of any residential mortgage loan.
    
2. No Guarantees / No Promises
   Mortgage approval, underwriting outcomes, rates, terms, fees, and timelines are determined solely by independent, licensed lenders and are subject to lender guidelines and discretion. We do not guarantee approval, denial, interest rate, fees, terms, time-to-close, or any outcome.
    
3. No Lender Affiliation / Independence
   Mortgage Unplugged is independent and is not affiliated with any lender, broker, loan originator, or real estate company. We do not receive compensation from lenders for referrals, placements, or loan outcomes.
    
4. No Legal, Tax, or Credit Repair Services
   We do not provide legal advice or create an attorney-client relationship. We do not provide tax advice or create an accountant-client relationship. We do not provide credit repair services, including disputes, bureau communications, or representations to credit reporting agencies.
    
5. Client Responsibility / Use of Licensed Professionals
   You remain fully responsible for your financial decisions and for selecting and working with licensed professionals (lenders, loan originators, real estate agents, attorneys, tax advisors, insurance agents) when appropriate. Any action you take based on information provided is your decision.
    
6. Information Accuracy
   Any education or guidance is based on information you provide. You are responsible for ensuring the accuracy and completeness of any information you share with third parties, including lenders.
    
7. Website Content
   Website content and materials are provided for general informational purposes only. They are not lending advice and should not be relied upon for any specific transaction.
    
8. Contact
   Questions about these disclosures: please use the contact form on this website.