MyMortgageLens Terms of Use

Effective date: October 11, 2026
Website: https://mymortgagelens.com

1. Acceptance and Scope

Welcome to MyMortgageLens (the “Site”), an educational mortgage comparison tool independently operated by Steven Cannon (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms of Use (“Terms”). If you do not agree, please discontinue use. These Terms govern this Site and do not replace any separate written real estate representation agreement or other agreement you may enter into.

2. Educational Calculator Only; No Lending Services

MyMortgageLens is an educational comparison tool, not a lender, mortgage broker, loan originator, loan application, prequalification, preapproval, commitment to lend, or offer of credit. Steven is a real estate professional, not acting as a mortgage lender or loan officer through this Site. Nothing on the Site is personalized lending, investment, legal, tax, insurance, or financial advice.

A calculator result does not establish your eligibility for any loan program or incentive. Only an appropriately licensed lender or other qualified professional can evaluate loan eligibility, issue official loan disclosures, or confirm loan terms. Consult appropriate licensed professionals before making a financial or real estate decision.

3. Estimates, Assumptions, and Limitations

All calculations depend on information you provide and the assumptions, formulas, and defaults used by the Site. Illustrations may include estimated principal and interest, down payment, property taxes, homeowners insurance, mortgage insurance, association dues, temporary buydowns, total interest, and comparisons between properties or financing scenarios. Estimates may omit or simplify relevant costs and conditions.

Actual costs can differ materially due to, among other things: lender underwriting; credit score and financial qualifications; loan type and term; interest rate and annual percentage rate (APR); discount points; origination and lender fees; escrow requirements; prepaid interest; property taxes and reassessments; supplemental taxes; homeowners and flood insurance; mortgage insurance; homeowners association charges; special assessments; special improvement district/local improvement district charges; closing costs; and program or property restrictions.

Defaults are illustrative, not verified quotes. Taxes and insurance may vary by property and jurisdiction. A comparison of lifetime interest or monthly payments is not a complete measure of the total economic cost of a home or loan. Rounding, timing, changing assumptions, and software errors may affect results.

4. Temporary Buydowns and Builder Incentives

Temporary interest-rate buydowns generally reduce a borrower's payment for a limited initial period through a subsidy; they do not necessarily change the underlying note rate or the amount owed under the loan. Eligibility, qualification, buydown funding, payment schedules, and lender requirements vary. A promotional rate displayed on the Site is not a lender quote or guarantee.

Builder incentives, closing-cost contributions, rate promotions, inventory pricing, and deadlines are subject to change, eligibility criteria, available homes, participating lenders, contract terms, and other conditions. Some offers cannot be combined. Always obtain written confirmation directly from the builder and lender and review official loan estimates and purchase documents. The Site does not guarantee that any incentive is available or that you qualify for it.

5. No Professional or Agency Relationship Created

Using the calculator, viewing information, or submitting a contact form does not by itself create a real estate agency relationship, lender-client relationship, fiduciary relationship, or other professional engagement. Any real estate representation relationship is subject to applicable law, required disclosures, and appropriate agreements. Brokerage services, where provided, are subject to applicable brokerage policies and licensing requirements.

6. User Responsibilities

You agree to provide accurate information when requesting assistance and to use the Site only for lawful purposes. You are responsible for verifying any calculation, quote, financing assumption, or real estate information before relying on it. Do not enter Social Security numbers, bank account credentials, or other sensitive information into the calculator or contact form. Do not attempt to compromise the Site or access systems or information without authorization.

7. Contact Requests and Marketing

If you submit an inquiry, we may use the information you provide to respond and manage the requested follow-up. Separate marketing choices may be presented for email/telephone and SMS communications. Promotional or automated marketing communications are subject to the consent you actually provide and applicable law. Marketing consent is not a condition of purchasing property or receiving real estate services. See the Privacy Policy and the disclosures shown with the form for details.

SMS program terms, when SMS marketing is offered: By affirmatively opting into SMS marketing, you agree to receive the categories of messages described with the opt-in. Message frequency varies; message and data rates may apply. Reply STOP to opt out or HELP for assistance where supported, or contact MyMortgageLens@gmail.com. Wireless carriers are not liable for delayed or undelivered messages. We do not guarantee delivery, timing, or availability of messaging services. Opt-out requests will be honored as required by law.

8. Intellectual Property and Permitted Use

Unless otherwise indicated, the Site's original text, visual presentation, branding, logos, graphics, interface elements, and other protectable content are owned by Steven or used with permission and are protected by applicable intellectual property laws. The MyMortgageLens name and branding may be subject to trademark rights. Third-party marks remain the property of their respective owners.

You may use the publicly available calculator for personal, noncommercial educational purposes and may share ordinary links to the Site. You may not, without permission and except as allowed by law, copy substantial portions of the Site; reproduce its distinctive design or branding; misrepresent affiliation; redistribute proprietary content commercially; or use automated extraction in a way that disrupts the service. Nothing in these Terms asserts ownership over general mortgage mathematics, publicly available facts, or material that cannot legally be protected.

9. Third-Party Services and Links

The Site may link to or use third-party hosting, analytics, CRM, communication, brokerage, builder, lender, or other services. We do not control third-party websites, rates, eligibility decisions, products, privacy practices, or availability. Links do not necessarily imply endorsement, affiliation, or a guaranteed offer.

10. Availability, Changes, and Errors

We may change, suspend, or discontinue features, estimates, assumptions, content, or access to the Site at any time, subject to applicable law. We may correct errors and update content without notice. We do not promise uninterrupted availability or that every calculation will be error-free.

11. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. This disclaimer does not limit warranties or consumer rights that cannot lawfully be excluded.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STEVEN CANNON AND THE PERSONS OR ENTITIES INVOLVED IN OPERATING THE SITE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS OR OPPORTUNITIES, ARISING FROM USE OF OR INABILITY TO USE THE SITE, INCLUDING RELIANCE ON ESTIMATES OR CONTENT. Any limitation on direct damages is subject to applicable law and does not exclude liability that cannot legally be limited, including liability arising from fraud, willful misconduct, or other non-waivable obligations.

Nothing in these Terms is intended to waive statutory rights, mandatory real estate duties, or other protections that cannot lawfully be waived.

13. Indemnification

To the extent permitted by law, you agree to indemnify Steven and the Site's operators against third-party claims, losses, and reasonable expenses resulting from your unlawful misuse of the Site, infringement of another person's rights, or material violation of these Terms. This provision does not require you to indemnify any party for that party's own negligence or misconduct where prohibited by law.

14. Governing Law and Disputes

To the extent legally permitted, these Terms are governed by Nevada law, without regard to conflict-of-law principles. Subject to mandatory consumer protection and jurisdiction rules, disputes concerning these Terms may be brought in a court of competent jurisdiction in Clark County, Nevada. Nothing here requires arbitration or waives your right to pursue remedies that cannot lawfully be waived.

15. Severability; No Waiver; Entire Terms

If a provision is held unenforceable, the remaining provisions remain effective to the extent permitted by law. Failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy and Cookie Policy where applicable, govern use of the Site, but do not supersede separate signed agreements concerning real estate services.

16. Updates

We may revise these Terms by posting an updated version and changing the effective date. Material changes will be handled with any notice or consent required by law. Continued use after a valid update may constitute acceptance where permitted by law.

17. Contact

MyMortgageLens, operated by Steven Cannon
MyMortgageLens@gmail.com