Website Terms & Disclaimer
General Information Only
JohnAGarcia.com provides general educational and informational content about mortgage financing. Information on this website is not intended to be legal, tax, accounting, investment, or other professional advice.
No Commitment to Lend
Nothing on this website is a commitment to lend, an approval, a guarantee of financing, or a promise that any particular loan program, interest rate, payment, term, cost, or qualification standard will be available.
Individual Qualification
Mortgage eligibility and terms depend on factors that may include credit, income, assets, property characteristics, occupancy, documentation, market conditions, lender requirements, and applicable program guidelines. Actual terms can only be determined after appropriate review.
Rates, Programs, and Information May Change
Mortgage markets, lender guidelines, program requirements, rates, fees, and other information can change without notice. Although reasonable efforts may be made to keep website information useful, the site does not represent that every item will always be current, complete, or applicable to every situation.
No Relationship Created by Website Use
Viewing this website, using a calculator, clicking a link, or sending a general inquiry does not by itself create a lender-borrower, fiduciary, advisory, agency, or other professional relationship.
Third-Party Services
JohnAGarcia.com may link to third-party websites, tools, application portals, reviews, or other services for convenience. Those services are operated independently. JohnAGarcia.com does not control and is not responsible for their content, availability, security, privacy practices, accuracy, or performance.
Calculators and Examples
Any calculator, estimate, illustration, example, or scenario provided on or through the site is for general informational purposes only. Results may differ from actual loan disclosures, lender calculations, taxes, insurance, association dues, closing costs, or other transaction-specific amounts.
Website Availability
The website may be updated, changed, suspended, or discontinued at any time. No representation is made that the site or any third-party link will always be available, uninterrupted, error-free, or free of harmful components.
Use of Website Content
Website content is provided for personal, non-commercial informational use unless otherwise stated. Content may not be copied, republished, misrepresented, or used in a way that suggests an endorsement or relationship that does not exist.
Limitation of Responsibility
To the fullest extent permitted by applicable law, use of this website and reliance on its general information are at the visitor's discretion. JohnAGarcia.com and its owner are not responsible for losses or damages arising solely from reliance on general website content, third-party services, or temporary site unavailability, except where liability cannot legally be limited.
Changes to These Terms
These terms may be revised from time to time. The version posted on the website at the time of use will apply.