Legal Disclaimer

The information provided by Home Loan Tree (“we,” “us,” or “our”) on homeloantree.com (the “Site”) and our accompanying educational guides is for general informational and educational purposes only.

No Financial or Legal Advice

All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. Home Loan Tree does not provide financial, real estate, tax, or legal advice.

The use or reliance of any information contained on this site is solely at your own risk. Before making any financial decision regarding your home equity or a reverse mortgage, you should consult with an independent financial advisor, a HUD-approved housing counselor, or legal counsel.

Not a Direct Lender

Home Loan Tree is an independent directory and consumer education portal. We are NOT a mortgage lender, broker, or depository institution. We do not issue loans, make credit decisions, lock in rates, or underwrite reverse mortgages.

Any inquiries submitted through our contact forms or affiliate links are routed directly to third-party, state-licensed mortgage originators or institutional lenders. We do not guarantee that you will be approved for a loan or receive specific terms from any third party found within our directory.

Affiliate & External Links Disclaimer

Our Site may contain links to external websites, affiliates, or third-party brokers (the "Third Parties"). We are not responsible for inspecting or evaluating the content or accuracy of these Third Parties. The inclusion of any link or directory listing does not imply an absolute endorsement by Home Loan Tree.

Monetary Disclosure: We may participate in affiliate marketing and may allow affiliate links to be included on some of our pages. This means that we may earn a commission if/when you click on or make decisions via affiliate links. This compensation keeps our directory free for consumers to use.

Directory Accuracy

While we dedicate substantial effort to maintaining the accuracy of our local directory by referencing public records and National Mortgage Licensing System (NMLS) data, broker statuses change frequently. A listing on Home Loan Tree is not a guarantee of a broker's current licensure standing, ethical record, or employment status. You are highly encouraged to independently verify NMLS IDs at nmlsconsumeraccess.org before entering into a binding contract.

Errors and Omissions

We assume no responsibility or liability for any errors or omissions in the content of this site. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness, or timeliness.