|
|
Below is a list of Mortgage Brokers. For contact information, click on the "Mortgage Broker Details" link below.
What You Need to Qualify for a Mortgage
There are several ways to qualify for a mortgage loan in Florida. Residents that are interested in homeownership can take certain steps to help make sure they will meet the requirements for a traditional or an alternate loan and get into the home of their dreams. Here are some things you can do to be eligible for a home loan.
Have Down Payment Funds: This may seem simplistic, but many new home buyers start saving at the last minute. It's best to start saving as soon as possible.
Steady Job History: While you are looking for a home, don't switch jobs during that time. In fact, it's best to stay in the same line of work for at least 2 years.
| William Crespo, 8530 Rainbow Ave, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Alberto Cruz, 4218 Gulfstream Bay Ct, Orlando FL 32822 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Angel Cruz, 5332 Caramella Dr, Orlando FL 32829 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Christopher Cruz, 13036 Waterford Wood Cir, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Elsie Cruz, 4972 Dover Cir, Orlando FL 32807 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Michael Cruz, 860 N Orange Ave Apt 452, Orlando FL 32801 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Austin Cummings, 1817 Crescent Blvd, Orlando FL 32817 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Honorata Czarny, 6030 Scotchwood Gln Apt 205, Orlando FL 32822 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jonathan Czarny, 14621 Salinger Rd, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Robert Davis, 1219 Ayrshire St, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Joseph Del Orbe, 8217 Marbella View Ct, Orlando FL 32817 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Joshua Dodd, 1832 Applewood Ct, Orlando FL 32818 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Nabil Dajani, 7580 Toscana Blvd Apt 824, Orlando FL 32819 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jacob Datilma, 5633 Partridge Dr, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Diana David, 4952 Hook Hollow Cir, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Tzeitel Del Castillo, 6600 Odyssey Ln Apt 308 # 3, Orlando FL 32821 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Leigh Delvesco, 11294 Papyrus Ln, Orlando FL 32821 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Cesar Delgado, 11859 Gennaro Ln, Orlando FL 32827 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Mercedes Delinois, 4700 Millenia Blvd Ste 175, Orlando FL 32839 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Edison Denizard-velez, 5366 Tortuga Dr, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Melvin Diaz, 3771 Grandewood Blvd Apt 229, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Ricardo Diaz, 14785 Burntwood Cir, Orlando FL 32826 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Hien Do, 431 N Summerlin Ave, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Chellsea Dodds, 7270 Spring Villas Cir, Orlando FL 32819 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| James Drayton, 2206 Lake Vilma Dr, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Ivan Duarte, 10600 Bloomfield Dr Apt 423, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Daniel Dumeng, 1061 Lejay St, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Gillian Dunbar, 12600 Lakebrook Dr, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| James Duncan, 5621 Masters Blvd, Orlando FL 32819 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jose Duran, 13373 Twinwood Ln Apt 2301, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Debra Duttweiler, 1028 Wilfred Dr, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Excellent Duvet, 6442 Long Breeze Rd, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Debora Dziadus, 2057 Dunsford Dr, Orlando FL 32808 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Nathaneal Edelen, 747 Bernice Ct, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Melissa Edmunds, 697 Lake Harbor Cir, Orlando FL 32809 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jeffrey Edwards, 2161 Ribbon Falls Pkwy, Orlando FL 32824 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Nicole Ellis, 3644 Yosemite Dr, Orlando FL 32818 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Rocco English, 10004 University Blvd, Orlando FL 32817 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Donald Erickson, 1800 Pembrook Dr Ste 300, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Sherri Fields, 2400 Calloway Dr, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jenna Faber, 5038 Natalie St, Orlando FL 32807 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Stephanie Fera, 10227 Andover Point Cir, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Carlton Ferguson, 17782 Ashford Grande Way, Orlando FL 32820 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Edward Fernandez, 605 E Robinson St Ste 700, Orlando FL 32801 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Elizabeth Fernandini, 4931 Brightmour Cir, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| James Filippi, 4778 Atwood Dr, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Carol Fisher, 3120 Hammersmith Rd, Orlando FL 32818 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| John Fletcher, 815 E South St, Orlando FL 32801 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Veronica Flores Rodriguez, 1308 Lucaya Cir, Orlando FL 32824 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Marcel Fombrun, 15936 Birchwood Way, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| John Fosgate, 3206 Delaney St, Orlando FL 32806 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Scott Fosgate, 2810 Elizabeth Ave, Orlando FL 32804 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Roy Foster, 1427 Mount Vernon St, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Frederick Fowler, 3433 Pinetree Rd, Orlando FL 32804 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Nicole Foyto, 8025 Lake Eve Dr, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Kari Freeman, 4502 Haylock Dr, Orlando FL 32807 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Mark Freeman, 4548 Chalfont Dr, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jose Fuentes, 10301 Stone Glen Dr, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Billy Germain, 2060 Torrey Dr, Orlando FL 32818 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Elizabeth Guataquira, 5743 Rywood Dr, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Dropatty Gurcharan, 203 Killington Way, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jason Galasso, 4511 Winderwood Cir, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Vincent Gambuzza, 10129 Granite Bay Dr, Orlando FL 32832 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Ray Gantt, 3821 Peace Pipe Dr, Orlando FL 32829 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Ryan Gaston, 1601 Chatfield Pl, Orlando FL 32814 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Peter Gettle, 1114 Buckwood Dr, Orlando FL 32806 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Paul Giles, 2449 Stoneview Rd, Orlando FL 32806 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Iris Girard, 2170 Cascades Cove Dr, Orlando FL 32820 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| James Glenn, 5162 Legacy Oaks Dr, Orlando FL 32839 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| David Gold, 8048 Aspencrest Ct, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Michael Goldfarb, 14417 Verano Dr, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Matthew Goldman, 189 S Orange Ave Ste 950, Orlando FL 32801 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| David Gonzalez, 10137 Malpas Pt, Orlando FL 32832 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Ulysses Gonzalez, 101 S Eola Dr Unit 609, Orlando FL 32801 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Yasmin Gonzalez, 4801 Charowen Dr, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Mitchell Gover, 8529 Billingshurst Pl, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Nik Green, 13242 Early Frost Cir, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Mark Gregory, 13636 Old Dock Rd, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| John Grimaldi, 2215 Musselwhite Ave, Orlando FL 32804 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Michael Grohowski, 2137 Lake Debra Dr Apt 1833, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Kenneth Guzman, 4037 Golfside Dr, Orlando FL 32808 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Shelly Haddad, 3924 Lake Sarah Dr, Orlando FL 32804 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Brandon Haggard, 3086 Plaza Terrace Dr, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Erik Halbig, 4220 New Broad St Apt 107, Orlando FL 32814 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Cynthia Hall, 6200 Metrowest Blvd Ste 203, Orlando FL 32835 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Lindsay Hall Harrison, 4609 Rockledge Rd, Orlando FL 32807 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Amira Halley, 3420 Herringridge Dr, Orlando FL 32812 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Deslind Harding, 2115 Grand Brook Cir Apt 1331b, Orlando FL 32810 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Heather Harper Nibert, 3001 Bay Lake Rd, Orlando FL 32808 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Catherine Harrell, 982 Fern Ave, Orlando FL 32814 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Robert Harris, 12674 Castlemain Trl, Orlando FL 32828 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Christopher Hartman, 4116 Bailey Ln, Orlando FL 32814 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| David Harvey, 708 S Deerwood Ave, Orlando FL 32825 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Laurence Heisler, 1913 E Washington St, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Heidi Heisner, 8652 Catbriar Ln, Orlando FL 32829 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Miquelle Henderson, 3039 Rodrick Cir, Orlando FL 32824 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Rafael Heredia, 10861 Windsor Walk Dr Unit 101, Orlando FL 32837 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Jordon Hetmanski, 602 Lake Como Cir, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| William Hickey, 2206 E Anderson St, Orlando FL 32803 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
| Sharyl Hierholzer, 5421 Sago Palm Ct, Orlando FL 32819 |
|
Get contact information, all details, and tips on what to ask when shopping for a mortgage, such as interest rates, down payment, and more... Mortgage-brokers-details |
Income 2 to 3 Times Your Mortgage Payment: You should earn 2 to 3 times more than what your monthly payment is estimated to be.
Get Your Credit Score to a Good Rating: Before going to a mortgage broker's office, do what you need to do to get your credit rating in the good range. You certainly don't need your credit score to be perfect to qualify, but you may need to boost your rating if it is in the poor or fair range.
Check Your Credit History Thoroughly: Lenders like to look at credit histories. This lets the lender make a more informed decision regarding loan prequalification. Through the credit report, lenders will get your credit score, also called the FICO score. Your credit score represents the statistical summary of data contained within the credit report. It includes bill payment history and the number of outstanding debts in comparison to the your income. The higher the credit score, the easier it is to get a loan or to pre-qualify for a mortgage. If the you habitually pay bills late, then a lower credit score is expected. A lower score may persuade the lender to reject the application, require a large down payment, or assess a high interest rate in order to reduce the risk.
Check Out Alternate Loan Programs: If you have had a couple of denials, you may want to seek out home loan services for FHA home buyers, or other alternative programs. Make sure that you learn about some non-traditional programs that may help you to get qualified.
Collateral and Mortgage Loan Qualification: If the loan would exceed the amount the property is worth, the lender will not loan the money. If the appraisal shows the property is worth less than the offer, the terms can sometimes be negotiated with the seller and the real estate agent representing the seller. You may even pay the difference between the loan and the sales price if you agree to purchase the home at the price that was originally offered. To do this, you need to have disposable cash and should ask the question of whether or not the property is likely to hold its value. Consider the type of loan you qualify for. For instance, if you would need to move suddenly and the loan is larger than the value of the property, the loan can be very difficult to pay off.
Copyright © 2023 All Rights Reserved Homeowners-Associations-Florida.com
Contact | FAQ | Terms of Use | Privacy Policy | Website Disclaimer