Terms of Service
Please read these terms carefully before using our services.
Last Updated: January 1, 2026
Informational Purpose Only
The content on this website, including all tools, calculators, country guides, and blog posts, is provided for informational and educational purposes only. Nothing on this site constitutes financial, legal, or tax advice. Always consult with a licensed professional before making mortgage or financial decisions.
Not a Loan Commitment
Use of our pre-qualification estimator, mortgage calculator, or any other tool on this site does not constitute a loan application, pre-approval, pre-qualification, commitment to lend, or guarantee of any mortgage terms. Actual loan eligibility, rates, and terms are determined by licensed lenders based on a full underwriting review.
Estimate Accuracy
All calculations, estimates, and projections produced by our tools are approximations only. Actual mortgage payments, down payment requirements, closing costs, and eligibility may differ materially based on lender guidelines, market conditions, property appraisal, and individual borrower profile. We make no warranty regarding the accuracy of any estimates.
About Home Financial Group
Home Financial Group LLC (NMLS# 305389) is a licensed mortgage lending company in the state of Florida. We act as an intermediary between borrowers and mortgage lenders. We do not fund loans directly. Medardo F. Cevallos (NMLS# 305965) is a licensed mortgage loan originator operating under Home Financial Group LLC.
AI Tools Disclaimer
Our AI-powered tools (document checklist generator and pre-qualification estimator) use artificial intelligence to provide general guidance. AI-generated outputs may contain errors, omissions, or outdated information. These outputs should be verified with a licensed mortgage professional before relying on them. HFG is not responsible for decisions made based on AI-generated content.
Information You Provide
By creating an account, you represent that the information you provide is accurate to the best of your knowledge. You agree to receive email communications from Home Financial Group related to your inquiry. You may unsubscribe from marketing emails at any time. Functional transactional communications may still be sent as needed.
NMLS & Regulatory Disclosures
Home Financial Group LLC — NMLS# 305389. Medardo F. Cevallos — NMLS# 305965. Licensed mortgage lending company in the State of Florida. Equal Housing Lender. This site complies with all applicable federal and Florida state mortgage regulations, including RESPA and TILA.
Changes to These Terms
We may update these terms at any time. The 'Last Updated' date at the top of this page reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated terms.
Contact
For questions about these Terms of Service, please contact us at: [email protected] | (954) 370-4849 | Home Financial Group LLC, 4303 NE 1st Terrace, Oakland Park, FL 33334.