Terms of Use

These Terms of Use govern your use of this website, operated by Manny Oloyede, Mortgage Broker (NMLS 1824463), Ultimate Mortgage Brokers LLC (NMLS 2619461), Akron / Cuyahoga Falls Branch. By using the website you agree to these terms. If you do not agree, please do not use the site.

This page is website legal content provided for review. It is not legal advice and should be reviewed by qualified legal or mortgage compliance counsel before publication.

Website use

You may use this website to learn about mortgage financing, review loan program descriptions, use the tools provided here, and contact us. You agree to use the site only for lawful purposes and in a way that does not interfere with its operation or with other visitors' use of it.

Educational and informational purpose

All content on this website — including articles, guides, program pages, checklists, calculators, and tool results — is provided for general educational and informational purposes. It is not financial, legal, tax, or investment advice, and it is not a substitute for a conversation about your specific situation.

No commitment to lend

Nothing on this website is an offer or commitment to lend, an extension of credit, a loan approval, a pre-approval, a rate lock, or a required disclosure. Only documents issued in connection with an actual application, and identified as such, carry those meanings.

No guarantee of loan approval

Submitting a form, using a tool, or starting an application does not guarantee approval. Every file is subject to a complete application, documentation, credit review, property review, and underwriting approval under the applicable program requirements.

No guarantee of rates or terms

Any rate, payment, fee, credit, or term referenced anywhere on this website is illustrative only. It is not an offered rate or term and does not guarantee that any particular rate, payment, savings amount, or closing timeline will be available to you.

Rates and program availability may change

Mortgage rates, pricing, guidelines, fees, program availability, and eligibility criteria change frequently and can change without notice. Program descriptions on this site may not reflect the most current guidelines of a given investor or agency.

Loan eligibility and qualification

Qualification depends on factors such as credit history, income and asset documentation, debt obligations, employment, occupancy, down payment or equity, and other program requirements. Descriptions of typical requirements on this website are general summaries, not eligibility determinations.

Property eligibility

Financing also depends on the property: property type, condition, use and occupancy, valuation, and any program-specific property requirements. A property that does not meet program requirements may not be eligible even where a borrower otherwise qualifies.

Mortgage calculators and estimates

Calculators on this website produce estimates based solely on the values you enter and on simplifying assumptions. They may exclude or approximate items such as taxes, insurance, mortgage insurance, HOA dues, escrows, and closing costs. Results are not quotes, disclosures, approvals, or commitments to lend, and actual figures will differ.

Loan Match Tool results

The Loan Match Tool is an educational aid. Its output suggests program types that may be worth discussing based on the answers you select. It does not review credit, verify income or assets, evaluate a property, or determine eligibility, and its results are not an approval, a pre-approval, or a commitment to lend.

Educational content

Guides and articles describe general practices and concepts and may simplify complex requirements. Program rules, agency guidelines, and market conditions change, and your situation may differ from the examples described.

Accuracy and timeliness

We aim to keep this website accurate and current, but we do not warrant that the content is complete, error-free, or up to date, and we may change or remove content at any time without notice.

Third-party services and links

This website links to third-party resources, including the externally hosted mortgage application, government and agency websites, the NMLS Consumer Access website, review platforms, and partner or social media pages. We do not control those services and are not responsible for their content, availability, terms, or privacy practices. Your use of a third-party service is governed by that provider's own terms.

Intellectual property

The content, text, layout, graphics, and other materials on this website are owned by us or our licensors and are protected by applicable intellectual property laws. You may view and print pages for your personal, non-commercial use. You may not copy, republish, or redistribute site content for commercial purposes without permission. Logos and marks appearing on this site remain the property of their respective owners.

Acceptable use

• Do not submit false, misleading, or another person's information.
• Do not attempt to gain unauthorized access to the site, its database, or its administrative areas.
• Do not scrape, overload, disrupt, or interfere with the website or its security features.
• Do not upload malicious code or use the site for unlawful, harassing, or fraudulent purposes.

Limitation of liability

This website is provided on an "as is" and "as available" basis, without warranties of any kind to the extent permitted by law. To the fullest extent permitted by applicable law, we are not liable for indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this website or any content, tool, or third-party service accessed through it. Nothing in these terms limits any right you have that cannot be limited under applicable federal or state law.

Applicable law

These terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws rules, except where the laws of another state in which we are licensed apply to your transaction. Nothing here waives any protection or requirement imposed by federal or state mortgage lending law.

Changes to these Terms of Use

We may update these Terms of Use from time to time. The version posted on this page is the current version, and continued use of the website after an update means you accept it.

State-specific terms and disclosures

[Editable: add any state-specific licensing statements, advertising disclosures, or terms required for the states in which we are licensed, as confirmed by our compliance counsel.]

Contact

Manny Oloyede, Mortgage Broker — NMLS 1824463
Ultimate Mortgage Brokers LLC — NMLS 2619461
Akron / Cuyahoga Falls Branch
141 Broad Blvd, Ste 102, Cuyahoga Falls, OH 44221
Phone: (216) 816-5215
Email: manny@ultimatemortgage.com

Licensing and lending disclosures

Based in Northeast Ohio. Serving homebuyers and homeowners in OH | KY | NC | PA | SC | TN | TX.

Licensing information is available through the NMLS Consumer Access website. Not a commitment to lend. Loan approval is subject to underwriting and applicable program requirements. Rates, terms, programs, fees, and eligibility are subject to change without notice. Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.