Notice:
The material presented in MortgageGuidelines.com is based on recent letters, bulletins, and announcements from Fannie Mae, Freddie Mac, FHA, VA, USDA, Hosted Investors, and other agencies that affect residential housing. We ONLY address information that affects front-end personnel (loan processors, loan originators, compliance, and underwriters). It is not comprehensive and does not cover the entire letter, Bulletin, or Announcement.
MortgageGuidelines.com has made every attempt to ensure the accuracy and reliability of the information provided. Our reference materials were created using the information we had available at that time.
Our experts answer your questions based on the information we have at the time the question is answered. For our “Ask the Experts” service, we do not address “mortgage rule overlays” imposed by third-party lenders or MI companies and do not accept any responsibility or liability for the content, completeness, or legality of the questions we answer for MortgageGuidelines.com subscribers. MortgageGuidelines.com is not engaged in the practice of law and does not provide legal services.
All Original Content is Copyrighted
We want to remind you that all our original content is copyrighted. That is how we stay in business and ensure that the author’s work is protected. If you are a subscriber, you can use our information for your personal use only. However, copying, distributing, uploading, or e-mailing articles is not permitted and violates copyright laws.
Use of Content
All content (Charts, checklists, Mortgage Talking Points™, Lunch & Learns, Learning Resources, Mortgage Income Analyzers, calculators, classes, videos, Social Media Posts, and content for blogs and forums) are for the exclusive use of SUBSCRIBERS only. We do not allow non-subscribers to use the content.
Sharing of Usernames and Passwords
Subscriber Usernames and Passwords are intended solely for the subscriber’s use. They are not to be shared with other people, including other employees of the same company. We offer team and group rates for subscriptions for employees of the same company.
Mortgage Talking Points™ Content
Subscribers have the exclusive right to use the content in the Mortgage Talking Points™ and can customize it to redistribute to their referral partners and consumers. Non-subscribers (or third-party entities) are not allowed to add their name or contact info and redistribute Mortgage Talking Points™ content. Non-subscribers must purchase their own subscription (team & group rates available) in order to use the content mentioned above.
Social Media Posts
Social media posts are created exclusively for our subscribers’ personal use only. Mortgage Guidelines develops them to be used in the sharing of educational information in your social networks. They are not to be used by anyone who is not a subscriber. As with all advertising and marketing, we strongly advise our subscribers to obtain compliance or legal opinion before sharing content to ensure that you are meeting regulatory requirements and the requirements of your company policy. Mortgage Guidelines is not responsible for the content provided that violates your company policy or local, State, or Federal Statutes.
Mortgage Income Analyzers
Mortgage Income Analyzers are developed exclusively for our subscribers’ personal use only. They may not be shared, copied, or distributed.
Calculators
Calculators are developed exclusively for our subscribers’ personal use only. They may not be shared, copied, or distributed.
Lunch & Learns
Lunch & Learns and the accompanying content are developed for the exclusive use of our subscribers. The PowerPoint presentation, script, charts, and checklists are not to be shared, copied, or distributed. However, items marked as “handouts” may be distributed to your audience members only.
Learning Resources & Classes
This content is created for the benefit of subscribers and their personal use only. None of this content may be shared, copied, or distributed.
Charts & Checklists
Charts and checklists are developed exclusively for our subscribers’ individual use only. They may not be shared, copied, or distributed.
Agency Bulletins & Forms
Agency Bulletins & Forms are not copyrighted and may be copied, shared, and distributed as per the guidance of that particular agency.
Ask the Experts Question Procedure
One of the many benefits of being a subscriber is your ability to “Ask the Experts” your most pressing questions. Subscriber questions need to be submitted THROUGH THE WEBSITE ONLY, and they will be answered by e-mail. Once a subscriber submits their question using our website form, the question is submitted to the person who specializes in that topic. Please be very specific when asking your question. No verbal questions (i.e., submitted by phone or other means) will be answered.
Change of Content
The rules and regulations in the mortgage industry change frequently. We reserve the right to modify, eliminate, or update content without prior notice to you. Links to third-party websites may also change, and we assume no responsibility if they have been changed or updated.
Change of E-mail Address
If you change companies or e-mail addresses, you can let us know by emailing us at info@mortgageguidelines.com or making the changes yourself via our website. If we cannot find you, we cannot deliver your subscription.
Subscriptions Will Automatically Renew
Once you become a subscriber, your credit card will be charged without notice by MortgageGuidelines.com. Your credit card will be automatically charged at the monthly, quarterly, or annual rate until you cancel your subscription with us online. Cancellations are only accepted through the website on your account dashboard. Email or telephone notifications will not be considered notices.
You must cancel your subscription online via the website at least 24 hours before the renewal date. If you have not canceled online via the MortgageGuidelines.com website, your subscription will not be refunded for any reason. Cancellation notices are automatically generated for the subscriber’s record-keeping purposes. Subscription fees are non-refundable and are not pro-rated.
Once you unsubscribe online via the website, your subscription will not expire until the next renewal date. You will have access to the content until your expiration date.
If you dispute the charge to your account and do not follow the cancellation procedures outlined above, you will be barred from ever being a subscriber to our site. We are quite transparent about our terms of service, renewal options, and disputes when you know the rules are costly and not cool.
Publisher’s Statement
MortgageGuidelines.com makes every effort to publish credible and responsible resources. The inclusion of an article or product does not mean that the publisher or staff has endorsed it.
MortgageGuidelines.com makes every attempt to ensure the accuracy and reliability of the information provided. We review agency guidelines and hosted investors to provide resources based on the information we have at the time the resource is developed. We only address “mortgage rule overlays” imposed by third-party lenders on our charts marked as “investor overlays.” We do not address MI company overlays, but we do host their guidelines on our site for your review. MortgageGuidelines.com does not accept any responsibility or liability for the content, completeness, accuracy, or legality of the resources we provide for MortgageGuidelines.com subscribers.
Your Right to Privacy
MortgageGuidelines.com does not provide subscriber information to outside sources or sell information from our database without your written consent. We do offer third-party links to outside websites, and if you decide to link to access sites, we cannot guarantee your privacy.
Submission of Articles
Article submissions will become the property of MortgageGuidelines.com. However, you will still be given written, literary credit for your idea or article. We will make every effort to acknowledge sources of ideas. However, we cannot trace every idea back to its origin and accept no liability for non-acknowledgment.
What happens if you do not follow the Terms of Service?
- Your subscription will be terminated, and no refunds will be made.
- We will wipe out your username and password.
- You will be barred from subscribing anytime in the future.
- We reserve the right to pursue legal remedies.
