Disclaimer

Disclaimer

Welcome to home-owners-pdx.com (“we,” “us,” or “our”). The information provided on our website (www.home-owners-pdx.com) is for general informational purposes only and does not constitute an offer to extend credit or a commitment to lend. By accessing or using our website, you agree to this Disclaimer. If you do not agree with any part of this Disclaimer, please refrain from using our website.

Important Disclosures

No Legal, Tax, or Financial Advice

Shannon McAlister NMLS 885982 / home-owners-pdx.com / Luminate Home Loans NMLS 150953 does not offer legal, tax, or financial advice. The content on this website is not a substitute for professional advice. Please consult with qualified professionals regarding your specific situation before making any financial decisions or entering into any mortgage agreements. We do not assume any liability for actions taken based on the information provided on this site.

No Government Affiliation

Shannon McAlister NMLS 885982 / Luminate Home Loans NMLS 150953 is a licensed mortgage lender and is not affiliated with any government agency.

Loan Terms and Conditions

All loan programs, interest rates, terms, and conditions are subject to change without notice. Eligibility for specific loan products and interest rates will depend on your individual financial circumstances. Minimum and maximum loan amounts apply and may vary based on the loan program and your individual circumstances.

Underwriting and Approvals

All loan applications are subject to underwriting approval, which includes verification of income, assets, and creditworthiness.

State Availability

Loan products and programs may not be available in all states.

Refinancing Considerations

Refinancing an existing mortgage may result in higher total finance charges over the life of the new loan.

AI-Generated Content

Artificial Intelligence Disclaimer

Some content on this website may be generated or assisted by artificial intelligence (AI) technologies. While we strive to ensure the accuracy and usefulness of all information provided, we cannot guarantee that AI-generated content is free from errors or omissions. We encourage you to verify any information obtained from our website before relying upon it.

User Responsibility

You acknowledge and agree that your use of any AI-generated content is at your own risk. Shannon McAlister / home-owners-pdx.com / Luminate Home Loans shall not be held liable for any actions taken based on AI-generated content, nor for any interpretations or conclusions drawn by you from such content.

Indemnification

You agree to indemnify and hold harmless Shannon McAlister / home-owners-pdx.com / Luminate Home Loans and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys’ fees, arising out of your use of AI-generated content or your interpretation thereof.

General Information

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is strictly at your own risk.

Changes to Information

We reserve the right to modify, amend, or update any information on this website at any time without prior notice. Please contact us directly for the most current information.

External Links

Our website may contain links to third-party websites or resources. These links are provided for your convenience only and do not signify our endorsement of such websites. We have no control over the content or availability of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Limitation of Liability

In no event will Shannon McAlister / home-owners-pdx.com / Luminate Home Loans be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits resulting from the use of this website.

No Warranty

We make no warranty that the website will meet your requirements or that it will be available on an uninterrupted, secure, or error-free basis. We disclaim all warranties, express or implied, in connection with the website and your use thereof.

Indemnification

You agree to indemnify and hold harmless Shannon McAlister / home-owners-pdx.com / Luminate Home Loans and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys’ fees, arising out of your use of the website or your violation of this Disclaimer.

Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the USA, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

Contact Us

If you have any questions about this Disclaimer, please contact us: