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 compromise its security.

2. No Financial or Legal Advice

All content on this website, including mortgage calculator results, is provided for informational purposes only and does not constitute financial, legal, or professional advice. You should consult with a qualified professional before making decisions.

3. Mortgage Calculator Disclaimer

The mortgage calculator is provided as an estimate tool only.

• Results are estimates and may not reflect actual loan terms
• It does not guarantee loan approval or pricing
• Inputs directly affect accuracy
• Final loan terms are determined during underwriting

By using the calculator, you acknowledge these limitations.

4. Eligibility

You must be at least 18 years old to use this website and legally capable of entering into binding agreements.

5. Loan Applications and Approvals

Submitting information does not guarantee loan approval. All applications are subject to verification, underwriting, and approval based on applicable laws and lending criteria.

6. Accuracy of Information

You agree to provide accurate and complete information. False or misleading information may result in denial of services or termination of access.

7. Interest Rates and Terms

Loan terms, including interest rates and fees, are subject to change and vary based on market conditions and borrower qualifications. Final terms will be disclosed in official loan documents.

8. Intellectual Property

All website content is the property of Melinda Hennessey and is protected by applicable laws. You may not reproduce or distribute content without permission.

9. Privacy

Your use of the Services is also governed by our Privacy Policy.

10. SMS/Text Messaging Terms

By providing your phone number and opting in through our website forms, you agree to receive SMS communications from Melinda Hennessey related to your mortgage inquiry, loan application, appointment reminders, document requests, and related services.

If you separately opt in to receive marketing messages, you may receive occasional promotional messages about mortgage programs, refinancing opportunities, or related services.

• Message frequency varies
• Message and data rates may apply
• You may opt out at any time by replying STOP
• For assistance, reply HELP

Consent to receive SMS messages is not a condition of purchasing any goods or services.

11. Third-Party Links

We may link to third-party websites. We are not responsible for their content or practices.

12. Limitation of Liability

To the fullest extent permitted by law, Melinda Hennessey is not liable for any damages arising from your use of this website or Services.

13. Indemnification

You agree to indemnify and hold harmless Melinda Hennessey and its affiliates from any claims resulting from your use of the Services or violation of these Terms.

14. Governing Law

These Terms are governed by applicable U.S. federal law and the laws of the state in which the consumer resides.

15. Changes to Terms

We may update these Terms at any time. Continued use of the website means you accept any updates.

16. Electronic Communications Consent

By using our Services, you consent to receive electronic communications related to your inquiries, applications, and services.

17. Equal Housing Opportunity

We are an Equal Housing Opportunity lender and comply with all applicable fair lending laws.

18. Contact Information

If you have any questions, please contact:

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