Rate Search Disclaimer
By accessing the mortgage rate search feature on this website, you acknowledge and agree to the following:
Rate Variation: The mortgage rates displayed on this webpage are based on the information provided by our wholesale investors with whom we maintain a business relationship. Rates are subject to change without notice and may vary based on market conditions, the borrower’s specific circumstances, and other factors.
No Guarantee: While we strive to provide accurate and up-to-date information, we cannot guarantee the availability of the displayed rates at the time of your application or at closing. Rates can be volatile and may change rapidly.
Not an Offer to Lend: Display of any mortgage rate does not constitute an offer to lend. All loans are subject to underwriting approval, applicable terms, conditions, and the fulfillment of underwriting conditions.
Additional Costs: The displayed rates do not include charges for property taxes, insurance premiums, title fees, origination fees, or other costs that may be associated with the mortgage process. Always review the full terms and conditions before moving forward.
Loan Qualifications: Loan approval and interest rates are based on borrower credit, collateral, financial history, and other factors. Not all applicants will qualify for the displayed rates.
Personal Use: The mortgage rate search tool is for personal use only. Commercial or automated use of this tool is strictly prohibited.
Privacy: Any personal information submitted through the mortgage rate search option is protected under our Privacy Policy. We respect the confidentiality of your information and will not share it with unauthorized third parties.
Limitation of Liability: To the fullest extent permissible by applicable law, Heritage Home Loans, a Divisions of Luminate Home Loans, Inc., a wholly-owned subsidiary of Luminate Bank, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Heritage Home Loans does not warrant that the mortgage rate search function will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.
By using this mortgage rate search tool, you acknowledge that you have read, understood, and agreed to this disclaimer. We recommend consulting with one of our mortgage professionals to get a more precise and personalized rate quote.