Terms of Use
By accessing or using northlight-mortgage.com, you agree to these Terms of Use. If you do not agree, do not use the site.
Educational use only
Northlight Mortgage is an educational resource. It is not a financial institution, lender, mortgage broker, legal advisor, tax advisor, accounting firm, housing counselor, or fiduciary. Content on this site is provided for general informational purposes only.
No professional advice
Nothing on the site constitutes financial advice, lending advice, underwriting advice, tax advice, legal advice, investment advice, or a recommendation tailored to your circumstances. You remain responsible for evaluating any mortgage, real estate, tax, or legal decision with qualified professionals.
No loan commitment or approval
No calculator result, article, estimate, example, or scenario on this site is a loan offer, loan commitment, approval, preapproval, rate lock, underwriting decision, or guarantee of eligibility. Actual loan terms depend on lender policies, market conditions, appraisal results, property eligibility, documentation, and full underwriting review.
Strong liability disclaimer
You agree that your use of the site is at your own risk. To the fullest extent permitted by law, Northlight Mortgage disclaims liability for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the site, your reliance on its content, any calculator output, any third-party link, or any decision you make regarding a mortgage, property, loan application, refinance, down payment assistance program, or financial transaction.
You should not make a mortgage or home-purchase decision based solely on site content. Mortgage transactions can involve substantial financial risk, changing rates, closing costs, tax consequences, insurance requirements, appraisal issues, and legal obligations.
Content accuracy
We aim to keep content useful and current, but mortgage programs, county loan limits, lender overlays, government rules, and market conditions can change without notice. Northlight Mortgage does not warrant that any page is complete, error-free, current, or suitable for your situation.
Third-party resources
This site may link to third-party websites, including government resources, lenders, advertisers, and informational services. We do not control those sites and are not responsible for their content, accuracy, policies, or business practices.
Advertising
The site may display advertising, sponsored placements, affiliate-style placements, or contextual ads. Those ads are separate from editorial content unless expressly stated otherwise.
Acceptable use
You agree not to misuse the site, interfere with site operations, attempt unauthorized access, scrape content in violation of applicable law, or use the site in a way that imposes undue burden on infrastructure.
Intellectual property
Unless otherwise stated, site text, layout, graphics, and branding are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, non-commercial use only.
Changes to the terms
These Terms of Use may be modified at any time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.
User responsibility
You are responsible for evaluating whether any calculator result, article, guide, or educational explanation fits your own circumstances. Mortgage decisions should be based on your full financial picture, not on a single page, estimate, or scenario.
No endorsement of third parties
References to lenders, programs, government resources, advertisers, or third-party services do not mean Northlight Mortgage endorses or guarantees those parties. You should review third-party terms, disclosures, fees, privacy practices, and qualifications independently.
No confidential or secure transmission
This website and its contact email are not secure portals for sensitive personal financial data. Do not treat the site as a loan-application channel or secure document vault.
Availability and site changes
Pages, calculators, features, and links may be added, removed, updated, or interrupted without notice. We do not guarantee uninterrupted availability or that every feature will remain in the same form over time.
California focus
Many pages are written with California buyers in mind, but that does not mean every explanation applies uniformly to every California city, county, or transaction type. Local taxes, insurance markets, lender overlays, and property conditions can change the practical result.