Legal Disclaimer

Educational and Informational Purpose

This website provides general mortgage and financial information for educational and informational purposes only. The content on this site is intended to help users understand mortgage concepts, loan types, and general financial information related to homeownership.

The information provided does not constitute financial, legal, or mortgage advice. It should not be used as a substitute for professional advice from licensed mortgage professionals, financial advisors, or attorneys.

Not a Licensed Entity

Housentia is not a licensed mortgage broker, lender, or loan originator. We do not originate, broker, or service mortgage loans. We do not provide mortgage advice or make loan recommendations.

Users should consult with a licensed mortgage professional in their state for personalized guidance, prequalification, pre-approval, and loan application services.

Calculators and Estimates

All mortgage calculators, affordability tools, and refinance analyzers on this site provide estimates for educational purposes only. These calculations are based on general assumptions and may not reflect actual rates, terms, or eligibility requirements.

Actual mortgage rates, terms, fees, and eligibility may vary significantly based on:

• Individual credit history and credit score
• Debt-to-income ratio
• Down payment amount
• Property type and location
• Lender-specific requirements and policies
• Current market conditions

Rate Information

Mortgage rate information displayed on this site is for informational purposes only. Rates are sourced from third-party providers and may not reflect rates available to individual borrowers.

Actual rates offered by lenders may differ based on individual qualifications, loan type, property location, and other factors. Rate information should not be considered as a guarantee or commitment from any lender.

Partner Professionals

Housentia may connect users with licensed mortgage professionals, including loan officers, brokers, and lenders. These professionals are independent third parties and are not employees or agents of Housentia.

Housentia does not endorse or recommend any specific mortgage professional. We provide a platform for users to connect with licensed professionals, but we do not:

• Guarantee the quality of services provided by partner professionals
• Negotiate loan terms on behalf of users
• Intermediate or facilitate loan applications
• Store or display lender offers directly

No Financial Advice

This website does not provide personalized financial advice. Information about loan types, refinancing options, or mortgage strategies should not be interpreted as recommendations for your specific situation. Always consult with licensed professionals who can assess your individual circumstances.

Affiliate Disclosure

Some links on this site may be affiliate links. We may earn a commission at no additional cost to you when you click on or make a purchase through these links. This does not affect our editorial content or the information we provide.

Contact

If you have questions about this disclaimer or our services, please contact us.