Terms & Conditions

Acceptance of terms

By accessing or using this website, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree, please do not use the site.

Informational purpose only

Content on this site is general information about mortgage financing. It is not legal, tax, accounting or financial advice, and it is not an offer to lend, an advertisement of specific credit terms, or a commitment to make a loan.

No rate or approval guarantee

Rates, terms, programs, fees and availability vary by market, change frequently and may be withdrawn without notice. Qualification and final terms depend on credit history, income, assets, debts, property type, occupancy, loan-to-value and full underwriting verification. Market indices shown on this site are third-party benchmarks, not quotes.

Calculator disclaimer

The affordability and payment tools are for planning and estimation purposes only. Results are illustrative, use assumptions about taxes, insurance, mortgage insurance and interest rates that may not match your situation, and are not a pre-qualification, pre-approval, rate lock, loan offer or commitment to lend. Actual payments and eligibility are determined only after a complete application and underwriting review.

Third-party links and embeds

This site links to and embeds third-party services, including our secure application portal, the Optimal Blue Mortgage Market Indices widget, the JotForm AI assistant, WhatsApp and social platforms. We do not control and are not responsible for the content, availability, security or privacy practices of those services.

User conduct

You agree not to misuse the site, submit false information, attempt unauthorized access, interfere with site operation, or use automated tools to scrape or overload the site.

Intellectual property

All content, design, graphics, logos and marks on this site are owned by Mana Home Loans LLC or its licensors and are protected by copyright and trademark law. You may not reproduce or distribute site content without written permission.

Disclaimer of warranties

The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement.

Limitation of liability

To the maximum extent permitted by law, Mana Home Loans LLC is not liable for indirect, incidental, consequential, special or punitive damages arising from your use of, or inability to use, this site or any linked third-party service.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict of law rules. We originate loans in multiple states, and state-specific consumer protection laws may also apply to your transaction.

Fair lending

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