Terms of Use

These terms apply to your use of this website, which Ryan Skaggs provides. By using the website you agree to them; if you do not, please do not use it.

What this website is for

This website gives general information about home loans and about how Ryan can help. Nothing on it is an offer to lend, a commitment to lend, a loan approval or a rate lock. Those come only in writing, after you apply (and, for an approval, after underwriting), with the disclosures the law requires.

Rates, payments and calculators

Rates, fees, terms and programs change often, and the ones available to you depend on your credit, income, property, location and the loan you choose. Any rate, payment or example on this website is for illustration only. Calculator results are estimates built on the numbers you enter and on assumptions that may not fit your situation; they are not a quote. Ask for a Loan Estimate for figures you can rely on.

Where we can help

We can only originate loans in the states where we are licensed, and not every program is offered in every state or to every borrower. Every loan is subject to credit approval and to the guidelines of the lender and of any investor or agency involved.

Using this website

You may use this website for your own personal and lawful purposes. Please do not:

• copy, sell or republish its content without our permission;
• try to get around its security, overload it, or collect data from it with automated tools;
• send us information that is untrue, or that belongs to someone else without their permission.

What you send us

When you send a form, you confirm that the information is yours and correct as far as you know. How we handle it is explained in our privacy policy.

Our content

The words, pictures and design of this website belong to us or to those who licensed them to us. Company names, logos and program names belong to their owners.

Other websites

We link to other websites for your convenience. We do not control them and are not responsible for what they say or do.

No guarantees

We work to keep this website accurate and available, but we provide it as it is. To the extent the law allows, we do not promise that it will always be available, free of errors or up to date.

Limits on our responsibility

To the extent the law allows, we are not responsible for any loss that comes from using this website, from being unable to use it, or from relying on its general information. Nothing in these terms takes away a right you have under consumer protection law.

Changes to these terms

We may change these terms. The date at the top of this page shows when they last changed, and the version posted here is the one that applies.

Contact us

Questions about these terms go to Ryan Skaggs, using the contact details on this page.