Disclosure & Disclaimer
We believe in full transparency. Please read this page so you know exactly what FaqLoan.com is — and what it is not.
Who We Are
FaqLoan.com is an independent, privately owned educational website focused on helping everyday people understand the loan process. We publish FAQs, loan type guides, calculators, interactive tools, community Q&A, and curated news — all with the goal of making loan information accessible and easy to understand.
We are not a bank, credit union, mortgage company, lender, broker, or financial institution of any kind. We do not hold any lending licenses and we do not originate, process, underwrite, or fund any loans.
Nothing Here Is Financial, Legal, or Tax Advice
All content on FaqLoan.com — including articles, FAQs, guides, news summaries, blog posts, tool outputs, and community answers — is provided for general informational and educational purposes only.
Nothing we publish is a recommendation to buy, sell, refinance, or take any specific loan product. Every person's financial situation is unique.
We are not attorneys. Nothing on this site creates an attorney-client relationship or constitutes legal guidance on contracts, disputes, or rights.
Mentions of tax deductions, mortgage interest, or business loan implications are general and informational. Consult a licensed CPA or tax professional for your situation.
Before making any financial decision, please consult with a licensed mortgage loan originator (MLO), financial advisor, attorney, or CPA who can review your full picture.
We Are Not a Lender or Mortgage Broker
FaqLoan.com does not:
- Accept loan applications
- Issue pre-approvals or pre-qualifications
- Pull your credit report (hard or soft)
- Connect you to specific lenders or brokers on your behalf
- Collect fees for any loan-related service
- Guarantee or promise loan approval of any kind
When we mention lenders, loan products, interest rates, or qualification standards, we are describing general market conditions and published guidelines from agencies like HUD, FHA, VA, USDA, Fannie Mae, and Freddie Mac — not making any personal recommendation or guarantee.
Calculator & Simulator Estimates Are Not Guarantees
Our loan calculators, affordability tools, DSCR calculator, APR comparison tool, debt payoff estimator, and Loan Scenario Simulator are provided for educational illustration only.
What the tools DO
- Show you how loan math works
- Give ballpark estimates based on your inputs
- Help you compare scenarios side-by-side
- Educate you on DTI, amortization, and DSCR concepts
What the tools DON'T do
- Pull your actual credit score
- Access real lender rate sheets
- Pre-qualify or pre-approve you
- Account for lender overlays or property specifics
Results from our tools should be used as a starting point for conversation with a licensed lender — not as a final answer. Actual qualification depends on full underwriting, property appraisal, title review, employment verification, and lender-specific guidelines.
Affiliate & Promotional Disclosure
FaqLoan.com may display paid promotions from lenders, realtors, contractors, insurance companies, CPAs, and credit repair services on our Promotions page and in sponsored positions across the site.
Any time a link on this site may result in a commission or referral fee to FaqLoan.com, we will disclose that relationship clearly. We only recommend or feature services we believe provide genuine value to our users.
Promotions displayed on the site are paid for by third-party advertisers. FaqLoan.com does not endorse, vet, license, or guarantee the quality, legality, or performance of any advertiser. Always independently verify any lender or service provider before signing any agreement.
User-Generated Content (Q&A Board)
Our community Q&A Board allows registered users to post questions and answers about loan topics. All user posts represent the opinions of individual contributors, not FaqLoan.com staff, and should not be relied upon as professional advice.
- Posts are moderated for spam and abusive language but are not verified for accuracy
- FaqLoan.com is not responsible for errors, omissions, or misleading information in user posts
- Do not share personal financial information (SSN, account numbers, full income details) in public posts
- If you see inaccurate information, please report it so our team can review
External Links
FaqLoan.com contains links to external websites including government agencies (HUD.gov, VA.gov, USDA.gov), consumer protection agencies (CFPB, FTC), and third-party tools and resources.
We link to these resources because we believe they are valuable. However, we do not control external websites and are not responsible for their content, accuracy, privacy practices, or availability. Visiting an external link is at your own discretion.
Links to government sites (e.g., annualcreditreport.com, consumerfinance.gov) are provided as a convenience. FaqLoan.com has no affiliation with these agencies.
Accuracy & Currency of Information
We work hard to keep our content accurate and up-to-date. However, the mortgage and lending industry changes frequently — loan limits, interest rates, program guidelines, and regulations can change with little notice.
Specific items that change frequently and should always be independently verified:
- FHA, VA, and conforming loan limits (updated annually)
- Current mortgage interest rates (change daily)
- Credit score minimums (lender overlays vary)
- USDA eligible area maps (updated periodically)
- State-specific laws and lending regulations
- SBA program terms and fee structures
Data & Privacy
We take your privacy seriously. Here is a plain-English summary of how we handle data:
Numbers you enter into our tools (income, credit score, loan amount) are processed entirely in your browser. We do not store, log, or transmit calculator inputs to our servers.
Your checklist progress is saved in your browser's local storage only. It never leaves your device and is never sent to FaqLoan.com servers.
If you subscribe to our newsletter, we store your email address to send you loan tips. We do not sell, rent, or share email addresses with third parties for marketing.
Scam reports you submit are sent to our moderation team via email only. Reports are used to alert the community and are handled confidentially. Anonymous reporting is supported.
We may use standard analytics tools to understand how visitors use the site (pages visited, time on site). No personally identifiable information is collected through analytics.
If you create an account, your name, email, and password (hashed) are stored securely. We do not store payment information — we do not charge for any service on this site.
For full details, see our Privacy Policy.
Scam Protection Tools
Our Loan Scam Checker, Scam Guide, and Report a Scam tools are provided as educational resources only.
- The Scam Checker quiz provides a risk score based on general red flags — it is not a definitive determination that a specific lender is or is not a scam
- A "low risk" score does not mean a lender is verified, licensed, or legitimate — always verify independently
- Scam reports submitted by users are not verified by FaqLoan.com and do not constitute proof of wrongdoing
- For official help, contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the FTC at reportfraud.ftc.gov
Questions? Contact Us
If you have questions about this disclosure, believe content on our site is inaccurate, or want to report a concern, we want to hear from you.
Use our Contact Page to send us a message. We typically respond within 1-2 business days.
If you believe something on FaqLoan.com is factually incorrect or outdated, please contact us with the page URL and specific concern. We take accuracy seriously.
For legal matters, copyright claims, or DMCA notices, contact us through the Contact page and mark your subject line clearly.
By using FaqLoan.com, you acknowledge that you have read and understood this disclosure. This disclosure is subject to change without notice. The date at the top of this page reflects the most recent revision.
FaqLoan.com — Empowering borrowers with knowledge, not promises.