Terms of Service

1. Acceptance of Terms

By accessing or using AMLO's website, tools, calculators, or any other services (collectively, the "Services"), you agree to be legally bound by these Terms of Service and all applicable laws and regulations. These terms constitute a legally binding agreement between you and AMLO.

If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these terms. Your continued use of the Services following any modifications to these terms constitutes your acceptance of those changes.

2. Description of Service

AMLO provides free educational mortgage tools and connects users with licensed mortgage professionals. Our services are designed to help consumers learn about mortgage financing options, explore down payment assistance programs, estimate payments and affordability, and prepare for the homebuying process.

AMLO is operated by Aaron Gibson, Licensed Mortgage Loan Officer at United Purpose Mortgage, a Howard Hanna company. When you request a consultation or submit an inquiry, you may be connected with licensed mortgage professionals to discuss your specific situation.

3. Not Financial, Investment, or Legal Advice

All content, tools, calculators, guides, and information provided through AMLO are for educational purposes only and should not be construed as financial advice, investment advice, tax advice, legal advice, or a recommendation to take any particular action regarding mortgage financing.

The mortgage industry is complex and regulations vary by state and individual circumstance. Before making any financial or legal decisions, you should consult with qualified professionals, including:

• A licensed mortgage loan officer or broker
• A certified financial advisor or accountant
• An attorney licensed in your jurisdiction
• A HUD-approved housing counselor

AMLO provides tools and information to help you learn and ask informed questions — not to replace professional financial or legal counsel.

4. No Guarantee of Loan Approval

Nothing on this website or within our tools guarantees that you will be approved for a mortgage loan, qualify for any specific loan program, receive any particular interest rate, or obtain any specific loan terms. Loan approval is determined solely by the lending institution based on their underwriting criteria, your financial profile, and applicable regulations.

Pre-qualification estimates, affordability calculations, and eligibility assessments provided through our tools are for educational purposes only and should not be interpreted as a commitment to lend, a guarantee of approval, or an offer of credit.

5. Calculator Accuracy

Our mortgage calculators, affordability tools, credit score assessments, and other interactive features provide estimates and approximations only. These tools are designed to give you a general sense of your mortgage situation and are not a substitute for professional analysis.

Specifically, our tools do not account for:

• All possible fees and charges associated with a mortgage
• Changes in interest rates or market conditions after the estimate is generated
• Unique circumstances in your financial profile that may affect eligibility
• State-specific regulations, taxes, or insurance requirements
• Down payment assistance program changes or availability

6. User Responsibilities

By using AMLO, you agree to:

• Provide accurate, truthful, and current information when using our tools and submitting forms
• Not misrepresent your financial situation, credit status, or identity
• Not use AMLO for any unlawful or fraudulent purposes
• Not attempt to circumvent, disable, or interfere with the security or functionality of our website
• Not scrape, harvest, or collect data from our website without written authorization
• Not use our website in any manner that could damage, disable, or overburden our systems
• Comply with all applicable local, state, and federal laws and regulations

You acknowledge that providing false or misleading information may result in your referral to lending partners being declined and may constitute fraud.

7. Privacy and Data

Your use of AMLO is also governed by our Privacy Policy, which describes how we collect, use, disclose, and protect your personal information.

When you submit information through our forms, calculators, or consultation requests, you understand that your information may be shared with licensed mortgage professionals at United Purpose Mortgage (a Howard Hanna company) to facilitate your request. By providing your phone number, you consent to receiving calls and text messages related to your inquiry, as described in our Privacy Policy's TCPA Consent Disclosure.

We do not sell your personal information to third parties. For complete details about our data practices, please review our Privacy Policy.

8. Intellectual Property

All content on the AMLO website, including but not limited to text, graphics, logos, images, calculators, tools, software, and design elements, is the exclusive property of AMLO or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not:

• Reproduce, modify, distribute, or republish any content without written permission
• Use our content for commercial purposes without authorization
• Create derivative works based on our content
• Remove or alter copyright, trademark, or other proprietary notices
• Use our calculators or tools in third-party applications without authorization

9. Limitation of Liability

AMLO is not responsible for:

• Delays or failures in loan processing or approval by lending partners
• Inaccurate information provided by third-party lenders or loan officers
• Changes in interest rates, loan terms, or program availability
• Technical interruptions, downtime, or errors on our website
• Actions or inactions of lending partners, mortgage professionals, or third parties
• Any financial decisions you make based on information from AMLO

Some jurisdictions do not allow limitations on liability, so some of the above limitations may not apply to you. In such cases, our liability shall be limited to the fullest extent permitted by applicable law.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. You agree that any legal action or proceeding relating to your use of AMLO shall be brought exclusively in the state or federal courts located in Pennsylvania.

By accessing AMLO, you consent to the jurisdiction and venue of the courts in Pennsylvania and waive any objections to such jurisdiction or venue. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11. Changes to Terms

AMLO reserves the right to modify these Terms of Service at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the website following the posting of revised terms means you accept and agree to the changes. We encourage you to review these Terms periodically to stay informed about any updates.

12. Contact Information

If you have questions about these Terms of Service or wish to report a concern, please contact us: