Terms of Use

1. Acceptance

By using dmortgageguide.com you agree to these terms. If you do not agree, please do not use the site.

2. Not an offer to lend

This website is for general information. Nothing here constitutes an offer or commitment to lend, a rate quote, a Loan Estimate, a pre-approval, or advice about your particular circumstances. A loan can only be offered after a completed application, verification of your information, and full underwriting review.

3. Calculator and payment examples

The mortgage calculator and any figures shown are estimates for illustration only. They rely on assumptions — including interest rate, property taxes, insurance and mortgage insurance — that will differ from your actual loan. Property insurance in Florida in particular varies enormously by location, age of home, roof condition and wind exposure.

Do not rely on these figures when budgeting for a purchase. Contact Daniel for numbers based on your actual credit, income and the specific property.

4. Licensing

Daniel Ibanez is a licensed Mortgage Loan Officer, NMLS ID 2698855, with Easy Mortgage, NMLS ID 1666459, licensed in the State of Florida. Licensing can be verified at nmlsconsumeraccess.org. Services are offered only where properly licensed.

5. Equal Housing Opportunity

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or any other legally protected characteristic.

6. Accuracy of information

Reasonable effort goes into keeping this site accurate and current, but loan programs, guidelines, rates and requirements change frequently and often without notice. No warranty is made that the content here is complete, current or error-free.

7. Links to other sites

This site may link to third-party websites. Those sites are not controlled here, and no responsibility is taken for their content, accuracy or privacy practices.

8. Intellectual property

The content, design, logo and marks on this site belong to Daniel Ibanez or the respective owners, and may not be reproduced or reused without permission.

9. Limitation of liability

This site is provided “as is,” without warranties of any kind to the fullest extent permitted by law. Neither Daniel Ibanez nor Easy Mortgage is liable for any loss arising from your use of, or reliance on, this website or the estimates it produces.

10. Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

11. Changes

These terms may be revised at any time. Continued use of the site after a revision means you accept the updated terms.

Contact

Questions about this page can go to:

Daniel Ibanez, Mortgage Loan Officer · NMLS ID 2698855
Easy Mortgage · NMLS ID 1666459
618 SW 3rd St, Ste 160/170, Cape Coral, FL 33991
(786) 203-9181 · info@dmortgageguide.com