Disclaimer

Last Updated: June 2026

Welcome to PHALE Home Loan. By accessing and using this website, you acknowledge and agree to the terms of this Disclaimer.

General Information Only

The information provided on this website is for general informational and educational purposes only. Nothing contained on this website constitutes financial, legal, tax, accounting, or other professional advice. Visitors should consult qualified professionals regarding their specific circumstances before making any financial decisions.

No Commitment to Lend

PHALE Home Loan is a mortgage broker and does not make loans or credit decisions. Information presented on this website is not a commitment to lend, a preapproval, a guarantee of financing, or an offer to extend credit.

Any loan products, rates, terms, programs, or examples displayed on this website are for informational purposes only and are subject to change without notice.

Loan Approval and Eligibility

All mortgage loan applications are subject to review, verification, underwriting approval, appraisal requirements, investor guidelines, and applicable federal and state laws and regulations.

Approval is not guaranteed. Loan eligibility, interest rates, terms, fees, and program availability may vary based on factors including, but not limited to:

• Credit history and credit score
• Income and employment verification
• Debt-to-income ratio
• Property type and occupancy
• Loan amount and loan-to-value ratio
• Applicable investor and lender guidelines  

  Rate and Payment Information

  Mortgage interest rates, annual percentage rates (APR), fees, and loan terms are subject to market conditions and may change at any time without notice.

  Any payment examples, affordability estimates, savings calculations, or rate information displayed on this website are estimates only and should not be relied upon as guarantees of actual loan terms or costs.

  Mortgage Calculators and Tools

  Any calculators, worksheets, comparison tools, or other interactive resources provided on this website are intended solely for educational purposes. Results generated by these tools are estimates and may not reflect actual loan terms, payments, closing costs, taxes, insurance premiums, or other expenses.

  Third-Party Information and Links

  This website may contain links to third-party websites for your convenience. PHALE Home Loan does not control, endorse, or guarantee the accuracy, completeness, security, or availability of any third-party content, products, or services.

  Your use of third-party websites is at your own risk and subject to the terms and privacy policies of those websites.

  No Warranty

  While we strive to keep information accurate and current, PHALE Home Loan makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of information contained on this website.

  All information is provided “as is” without warranties of any kind.

  Limitation of Liability

  To the fullest extent permitted by law, PHALE Home Loan shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to the use of this website or reliance upon information contained herein.

  Equal Housing Opportunity

  PHALE Home Loan is committed to fair lending practices and equal housing opportunities. We do not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, or any other protected characteristic under applicable law.

  Licensing Information

  PHALE Home Loan conducts business in accordance with applicable state and federal mortgage lending laws and regulations.

  Please refer to our licensing disclosures for current licensing information, including our NMLS identification number and state-specific disclosures, where applicable.

  Privacy

  Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as described in our Privacy Policy.

  Contact Information

  If you have questions regarding this Disclaimer or the services offered through this website, please contact us through the information provided on our Contact Us page.