Licenses and Disclosures is not a lender or a broker. ImproveMortgage is an online news and information service providing editorial content and directory information about mortgages and loans and also performs marketing and computerized loan matching services. The information provided by you to is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender or broker. If you are contacted by an advertiser, lender or broker that advertises with and you submit a loan application to such lender or broker, your information remains between you and that advertiser, lender or broker. We do not take applications or collect other documents from potential borrowers, make loans, or accept or facilitate loan payments. does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points and loan programs posted by advertising lenders and brokers. All information is subject to change without notice. shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an offer, promise or otherwise, either to make a specific loan or that any participating lender or broker will make any loan for any purpose or on any specific terms. In no event shall be liable to anyone for any delays, inaccuracies, errors or omissions with respect to the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of the information. The entire risk as to the accuracy, adequacy, completeness, timeliness, validity and quality of any information is with the user. will not act as your lender or credit provider. will pass along the information you submit to our advertising or lending partners and our advertising or lending partners will contact you with their offers. While we seek to help you meet your financial needs, we do not distribute the products of all advertisers or lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. provides mortgage information at no cost to you. will not charge or seek fees of any kind from you. receives fees from its advertising or lending partners and may be paid by the advertiser or a lender based on (i) the value of the Mortgage Loan or related servicing rights in the market place or (ii) other services, goods or facilities performed or provided by us to the advertiser or lender. This agreement remains in effect only as long as you seek to use the services offered by You may discontinue this relationship at any time, without notice, at no cost or penalty to you.