Welcome to the website of Homewise Mortgage Solutions. These Terms of Use (“Terms”) govern your access to and use of websites, webpages, forms, tools, calculators, educational materials, and other online services operated by or on behalf of MMHW, LLC d/b/a Homewise Mortgage Solutions (“Homewise,” “we,” “us,” or “our”).

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By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

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1. About Homewise Mortgage Solutions

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MMHW, LLC d/b/a Homewise Mortgage Solutions is a licensed mortgage brokerage.

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NMLS #2491986

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Homewise is a mortgage broker and is not acting as a mortgage lender unless otherwise specifically disclosed.

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Information regarding Homewise Mortgage Solutions and applicable mortgage loan originators may be available through NMLS Consumer Access at www.nmlsconsumeraccess.org.

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Licensing information and disclosures applicable to our services are available through our Licensing & Disclosures page.

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2. Website for Informational Purposes

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Information provided through this website is intended for general informational and educational purposes.

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Nothing on this website constitutes:

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• A commitment to lend

• An approval or pre-approval for credit

• A loan offer or loan commitment

• A guarantee of financing

• A guarantee of any interest rate, payment, loan amount, closing cost, savings, approval, or closing date

• Legal, tax, accounting, investment, or financial-planning advice

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Mortgage products, programs, guidelines, rates, fees, terms, and eligibility requirements may change without notice and may vary by lender, borrower, property, loan purpose, market conditions, and other factors.

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All loans are subject to applicable underwriting, credit, income, asset, property, program, lender, and regulatory requirements. Not all applicants will qualify.

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3. Mortgage Programs and Product Information

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Descriptions of Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, Bank Statement, investment-property, down-payment-assistance, refinance, and other mortgage programs are provided for general educational purposes.

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Program availability and eligibility vary.

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Government-related mortgage programs referenced on this website may be insured, guaranteed, or otherwise supported by a government agency, but Homewise Mortgage Solutions is not a government agency and is not affiliated with or endorsed by HUD, FHA, VA, USDA, or any other governmental entity unless expressly stated otherwise.

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References to a particular mortgage program do not constitute a determination that you qualify for that program or that the program is appropriate for you.

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4. Rates, Payments and Loan Terms

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Unless expressly stated otherwise, general website content should not be interpreted as quoting or guaranteeing an interest rate, annual percentage rate (“APR”), payment, loan amount, down payment, closing cost, or other specific credit term.

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Any specific rate, APR, payment, cost, or loan scenario displayed on the website is subject to the qualifications, assumptions, disclosures, availability, and effective date presented with that information.

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Mortgage rates and terms can change and may be affected by market conditions and individual circumstances.

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A quoted or illustrated rate or term is not guaranteed until any applicable requirements for securing or locking that rate have been satisfied and confirmed in accordance with the applicable lender's requirements.

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This is especially important for Homewise because Florida law regulates advertising of mortgage rates and material loan information, while Regulation Z requires advertised credit terms to be actually available and imposes additional disclosure requirements when certain terms are advertised. Online Sunshine

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5. Calculators and Estimates

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Mortgage calculators, affordability tools, refinance calculators, payment examples, and other interactive tools available through this website provide estimates for informational purposes only.

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Results may be based on assumptions and may not include all costs associated with a mortgage or real estate transaction, including, where applicable:

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• Taxes

• Homeowners insurance

• Mortgage insurance

• Homeowners association fees

• Flood insurance

• Closing costs

• Prepaid items

• Discount points

• Lender or third-party fees

• Changes in interest rates

• Other property or transaction expenses

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Calculator results do not constitute a loan estimate, disclosure, approval, offer, commitment to lend, or financial advice.

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Actual terms and costs can only be determined after reviewing your individual circumstances and applicable loan options.

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6. Applications and Information You Submit

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Submitting information through this website, requesting contact, scheduling an appointment, or beginning a mortgage application does not guarantee approval or create a commitment to lend.

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You agree that information you provide to Homewise will be accurate and complete to the best of your knowledge.

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Additional information, documentation, verification, authorization, or disclosures may be required before Homewise or a participating lender can evaluate or process a mortgage transaction.

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Your submission and our receipt of information do not create a lender-borrower relationship or obligate Homewise or any third-party lender to offer or provide financing.

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7. No Professional Advice

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Information provided on this website should not be considered legal, tax, accounting, investment, or financial-planning advice.

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Mortgage transactions may have significant financial, legal, and tax consequences. Consumers should consult appropriately qualified professionals regarding their individual circumstances when necessary.

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8. Communications and Electronic Contact

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When you voluntarily provide contact information, Homewise may contact you regarding your inquiry, mortgage application, requested services, appointment, transaction, or other matters consistent with your request and applicable law.

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Marketing communications will be handled in accordance with applicable consent and opt-out requirements.

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Providing consent to receive marketing text messages is not a condition of obtaining mortgage services from Homewise Mortgage Solutions.

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Where applicable:

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Message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for assistance.

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Our collection and handling of contact information is also governed by our Privacy Policy.

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9. Electronic Communications

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By communicating electronically with Homewise, you acknowledge that certain communications may occur electronically.

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However, use of this website alone does not constitute consent to receive legally required disclosures electronically where separate affirmative consent is required by applicable law.

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Florida law recognizes electronic records, signatures, and contracts subject to applicable requirements, but it also provides that conducting one transaction electronically does not necessarily require a party to conduct other transactions electronically. Online Sunshine

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10. Privacy

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Your use of this website is also subject to the Homewise Mortgage Solutions Privacy Policy, which describes our practices concerning the collection, use, disclosure, and protection of information.

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The Privacy Policy is incorporated into these Terms by reference.

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11. Third-Party Websites and Services

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This website may contain links to or integrations with third-party websites and services, including:

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• Mortgage application platforms

• Wholesale lenders

• Scheduling services

• Credit or verification providers

• Title or settlement providers

• Government resources

• NMLS Consumer Access

• Social media platforms

• Analytics or technology providers

• Other mortgage-related service providers

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Links are provided for convenience or to facilitate requested services.

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Unless expressly stated otherwise, Homewise does not control independent third-party websites and is not responsible for their content, availability, security, privacy practices, terms, representations, or services.

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Your use of a third-party website or service may be governed by that provider's own terms and privacy policy.

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12. Intellectual Property

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Unless otherwise indicated, website content, including text, graphics, design elements, logos, branding, photographs, videos, educational materials, and other original content, is owned by or licensed to Homewise Mortgage Solutions and is protected by applicable intellectual-property laws.

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You may access and use website content for your personal, noncommercial use.

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You may not reproduce, modify, distribute, publish, sell, commercially exploit, or create derivative works from protected website content without prior authorization, except as otherwise permitted by law.

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Third-party names, trademarks, and logos remain the property of their respective owners.

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13. Acceptable Use

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You agree not to use this website to:

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• Violate applicable law

• Submit knowingly false, fraudulent, or misleading information

• Impersonate another person

• Attempt unauthorized access to accounts, systems, or data

• Introduce malicious software or harmful code

• Interfere with website security or operation

• Scrape, harvest, or systematically extract website data without authorization

• Use automated systems in a manner that materially interferes with the website

• Infringe intellectual-property or privacy rights

• Use the website for fraudulent or unlawful activity

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We may restrict or terminate access where reasonably necessary to protect Homewise, consumers, systems, or third parties.

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14. Website Availability and Accuracy

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Homewise makes reasonable efforts to provide useful and accurate information, but mortgage guidelines, regulations, lender requirements, market conditions, third-party information, and other content can change.

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We do not warrant that all website content will always be complete, current, error-free, or continuously available.

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If website information conflicts with applicable law, required mortgage disclosures, executed loan documents, or official lender/program requirements, the applicable law, disclosure, document, or requirement controls.

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15. No Warranty

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To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

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Homewise disclaims warranties regarding website availability, uninterrupted operation, accuracy, fitness for a particular purpose, or freedom from errors or harmful components to the extent such disclaimers are permitted by law.

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Nothing in these Terms excludes warranties or rights that cannot legally be waived.

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16. Limitation of Liability

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To the fullest extent permitted by applicable law, Homewise Mortgage Solutions, MMHW, LLC, and their respective owners, officers, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from your use of, inability to use, or reliance upon this website or general informational content.

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Nothing in these Terms is intended to waive, restrict, or eliminate liability or consumer rights that cannot lawfully be waived or limited.

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These limitations do not alter Homewise's obligations arising from an actual mortgage transaction, applicable law, or separately executed agreements or disclosures.

That last sentence is important. I would not try to write a cartoonishly broad “we're liable for absolutely nothing” provision. Those clauses can create more problems than they solve in a regulated consumer-finance environment.

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17. Indemnification

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To the extent permitted by applicable law, you agree to indemnify and hold harmless Homewise Mortgage Solutions and MMHW, LLC from claims, damages, liabilities, and reasonable expenses arising from your unlawful misuse of this website, violation of these Terms, or infringement of another person's rights.

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This provision does not apply to the extent a claim results from Homewise's own conduct for which liability cannot lawfully be waived or shifted.

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18. Equal Housing Opportunity

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Homewise Mortgage Solutions supports the principles of fair housing and equal opportunity.

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Mortgage services are offered without unlawful discrimination based on characteristics protected by applicable federal or state law.

Equal Housing Opportunity.

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For information concerning fair housing rights, consumers may visit the U.S. Department of Housing and Urban Development (HUD).

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19. Accessibility

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Homewise Mortgage Solutions seeks to provide an accessible website experience.

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If you experience difficulty accessing website content or need assistance obtaining information, please contact us at:

 

863-236-3868

info@homewise.mortgage

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Accessibility concerns may also be submitted through the contact methods provided on our Accessibility page.

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20. Governing Law

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These Terms are governed by applicable federal law and, to the extent state law applies, the laws of the State of Florida, without regard to conflict-of-law principles.

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Any provision of these Terms that is determined to be invalid or unenforceable will be limited or severed to the minimum extent necessary, and the remaining provisions will continue in effect.

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21. No Waiver of Consumer Rights

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Nothing in these Terms is intended to waive, restrict, or eliminate any right, remedy, protection, disclosure, or obligation that cannot lawfully be waived under applicable federal or state consumer-protection or mortgage law.

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If these Terms conflict with a mandatory legal requirement applicable to a consumer or mortgage transaction, that requirement controls.

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22. Changes to These Terms

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Homewise may update these Terms periodically to reflect changes in our website, services, technology, business practices, or applicable requirements.

The Last Updated date will identify the most recent revision.

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Your continued use of the website following publication of revised Terms constitutes acceptance of those Terms to the extent permitted by applicable law.

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23. Contact Us

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Questions regarding these Terms may be directed to:

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Homewise Mortgage Solutions
MMHW, LLC d/b/a Homewise Mortgage Solutions

NMLS #2491986

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264 W. Central Ave., Suite A
Winter Haven, FL 33880

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Phone: 863-236-3868

Email: info@homewise.mortgage

Website: homewise.mortgage

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NMLS Consumer Access: nmlsconsumeraccess.org