Disclosures & Licensing
Educational purpose; not an extension of credit
Refinance Academy is an educational website. It is not a lender, bank, or mortgage broker, and nothing on this site is an offer or extension of credit, a loan approval, or a commitment to lend. Submitting a request for a review is not a loan application. All content is provided for general educational purposes and does not take your individual circumstances into account.
Licensing
Educational content is written and reviewed by licensed mortgage loan originators Davis Erhart, NMLS #2586220, and Craig Malmut, NMLS #2585619. You can verify licensing at NMLS Consumer Access (nmlsconsumeraccess.org).
No government affiliation
Refinance Academy is not affiliated with, or endorsed by, the FHA, VA, HUD, or any government agency.
Accuracy and advice
Information on this site is believed to be accurate at the time of publication but may change without notice. Calculators provide educational estimates only, not quotes. Nothing here is legal, tax, or financial advice. You should consult a licensed professional about your own situation.
Contact and consent
If you submit your information and check the consent box, you provide express written consent for Refinance Academy and its licensed mortgage professionals to contact you at the phone number and email you provided, including by automated dialing systems, prerecorded or artificial voice, AI-assisted calls, text messages (SMS), and email, even if your number is on a federal or state Do-Not-Call registry. Consent is not a condition of receiving any service, message and data rates may apply, and you may revoke consent at any time by replying STOP or emailing us.
Equal housing
Equal Housing Opportunity.