Terms and Conditions

Effective Date: April 24, 2026

Welcome to Melinda Hennessey (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, services, and tools, including our mortgage calculator (collectively, the “Services”). By using our Services, you agree to these Terms. If you do not agree, please do not use our Services.

1. Use of Website

You agree to use this website for lawful purposes only. You must not use the site in any way that may impair its performance, corrupt its content, or otherwise reduce its overall functionality. You also agree not to compromise the security of the website or attempt to gain access to secured areas or sensitive information.

2. No Financial or Legal Advice

The content on this website, including results generated by the mortgage calculator, is provided for informational purposes only and does not constitute financial, legal, or professional advice. Mortgage rates, terms, and products are subject to change without notice. You should consult with a qualified financial advisor, attorney, or mortgage professional before making any decisions.

3. Mortgage Calculator Disclaimer

Our mortgage calculator is provided as a convenience tool to help estimate monthly payments and loan scenarios.

Results are estimates only and may not reflect actual loan terms, interest rates, taxes, insurance, or fees.

The calculator does not guarantee loan approval or specific pricing.

Inputs provided by users directly affect the accuracy of results.

Final loan terms will be determined during the formal application and underwriting process.

By using the calculator, you acknowledge and accept these limitations.

4. Eligibility

By using this website, you confirm that you are at least 18 years old and legally capable of entering into binding contracts under applicable law.

5. Loan Applications and Approvals

Submitting an application through our website does not guarantee approval for a loan. All applications are subject to verification, underwriting, and approval based on our lending criteria and applicable laws. We reserve the right to deny any application at our sole discretion.

6. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms or applications. Providing false or misleading information may result in denial of your application or termination of your access to our Services.

7. Interest Rates and Terms

All loan terms, including interest rates, fees, and repayment schedules, are subject to change and may vary based on creditworthiness, market conditions, and other factors. Final terms will be disclosed in official loan documentation.

8. Intellectual Property

All content on this website, including text, graphics, logos, software, and calculator tools, is the property of Melinda Hennessey or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or exploit any content without our prior written consent.

9. Privacy

Your use of our Services is also governed by our Privacy Policy. By using this website, you consent to the collection and use of your information as outlined in that policy.

10. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, policies, or practices of any third-party sites. Accessing such sites is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, [Company Name] shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of or inability to use this website, Services, or mortgage calculator.

12. Indemnification

You agree to indemnify and hold harmless Melinda Hennessey, its affiliates, employees, and agents from any claims, damages, liabilities, or expenses arising from your use of the website or violation of these Terms.

13. Governing Law

These Terms shall be governed by applicable federal laws of the United States. Where state laws apply, these Terms shall be governed by the laws of the state in which the consumer resides, without regard to conflict of law principles.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website constitutes your acceptance of any revised Terms.

15. Contact Information

If you have any questions about these Terms, please contact us at:

Melinda Hennessey
Idaho Falls, Idaho 83401
208-745-3237
melinda@melindahennessey.com

16. Equal Housing Opportunity

We are an Equal Housing Opportunity lender. We comply with all applicable federal and state fair lending laws and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because an individual receives public assistance.

17. Electronic Communications Consent

By using our Services, you consent to receive electronic communications from us. These may include disclosures, agreements, notices, and other information related to your application or account.

Please review these Terms carefully before using our website or services.