Terms of Service

1. Acceptance of Terms

By accessing or using DrLoanTool.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not access or use the Site. These Terms constitute a legally binding agreement between you and DrLoanTool.com. Your continued use of the Site following any updates to these Terms constitutes acceptance of those changes.

2. Description of Service

DrLoanTool.com provides the following services free of charge to users:

• Educational content about physician mortgage loan programs, including articles, guides, and informational resources designed to help medical professionals understand their home financing options.
• Mortgage calculators including a physician mortgage payment calculator, debt-to-income (DTI) calculator, and home affordability calculator. These tools are designed to provide general estimates only.
• Lead generation services that allow users to submit their contact information to be connected with Nate Jones (NMLS #304056), a licensed mortgage loan officer at New American Funding (NMLS #6606), for personalized mortgage guidance.
• Newsletter and email communications that deliver educational content and mortgage-related updates to subscribers who have opted in.

DrLoanTool.com is not a lender, bank, mortgage broker, or financial advisor. The Site serves as an educational resource and a means to connect prospective borrowers with a licensed mortgage professional.

3. Not a Loan Offer

Nothing on this Site constitutes a loan offer, pre-approval, pre-qualification, commitment to lend, or guarantee of any mortgage terms. All content on DrLoanTool.com is provided for informational and educational purposes only.

The information presented on this Site does not represent an offer or solicitation for a mortgage loan in any jurisdiction where such offer or solicitation would be unlawful. Any mortgage loan application is subject to the lender's underwriting criteria, credit approval process, and applicable federal and state regulations.

Viewing calculator results, reading educational articles, or submitting a contact form on this Site does not create a lender-borrower relationship and does not obligate any party to proceed with a mortgage transaction.

4. Calculator Disclaimer

The mortgage calculators provided on DrLoanTool.com are designed to give you general estimates based on the information you enter. You should be aware of the following:

• Results are approximate. Calculator outputs are estimates only and should not be relied upon as precise figures for any financial decision.
• Actual terms will vary. Your actual mortgage payment, interest rate, loan amount, and other terms will depend on a comprehensive review of your financial situation by a licensed mortgage professional, including but not limited to your credit score, income verification, employment history, debt obligations, property appraisal, and other underwriting factors.
• Inputs affect outputs. Calculator results are entirely dependent on the data you enter. Inaccurate, incomplete, or hypothetical inputs will produce results that do not reflect your actual qualification or mortgage terms.
• Not all factors are included. Calculators may not account for all costs associated with a mortgage, including but not limited to closing costs, homeowners insurance, property taxes, HOA fees, mortgage insurance (where applicable), or other charges that may affect your total housing expense.
• Programs change. Physician mortgage loan program terms, eligibility requirements, and availability are subject to change at any time without notice. Calculator assumptions may not reflect the most current program guidelines.

5. No Guarantee of Rates or Terms

Any interest rates, annual percentage rates (APR), loan amounts, monthly payments, or other mortgage terms displayed on this Site are for illustrative and educational purposes only. They are not guaranteed and do not constitute a rate quote, rate lock, or binding offer.

Mortgage rates are subject to change at any time based on market conditions and are determined by the lender at the time of application and lock. The rates and terms you qualify for will depend on your individual financial profile, the specific loan program, property type, loan-to-value ratio, and other factors assessed during the underwriting process.

Past rate examples or sample scenarios shown on the Site do not guarantee that the same rates or terms will be available in the future or to any specific borrower.

6. Lead Capture and Consent to Contact

By submitting your name, phone number, email address, or any other personal information through a form on this Site, you expressly consent to the following:

• You authorize Nate Jones (NMLS #304056) and/or New American Funding (NMLS #6606) to contact you by phone, text message, or email at the number(s) and/or email address(es) you provide, including through the use of automated dialing systems or pre-recorded messages, to discuss mortgage products and services.
• You understand that your consent is not a condition of purchasing any product or service.
• You acknowledge that message and data rates may apply to text communications.
• You may opt out of communications at any time by replying STOP to any text message, clicking the unsubscribe link in any email, or by contacting us directly.

By subscribing to our newsletter, you consent to receive periodic emails containing educational content, mortgage market updates, and information about physician mortgage programs. You may unsubscribe at any time.

We handle your personal information in accordance with our Privacy Policy. We do not sell your personal information to third parties.

7. User Representations

By using this Site, you represent and warrant that:

• You are at least 18 years of age or the age of legal majority in your jurisdiction.
• Any information you provide through the Site, including through calculator inputs, contact forms, and lead capture forms, is accurate, current, and complete to the best of your knowledge.
• You will not use the Site for any unlawful purpose or in any manner inconsistent with these Terms.
• You will not attempt to interfere with the proper functioning of the Site, including by introducing viruses, malicious code, or engaging in any activity that could disable, overburden, or impair the Site's operation.
• You will not attempt to gain unauthorized access to any portion of the Site, its servers, or any systems or networks connected to the Site.

8. Intellectual Property

All content on DrLoanTool.com, including but not limited to text, articles, guides, graphics, logos, calculator tools, page layouts, and source code, is the property of DrLoanTool.com and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without prior written permission, except that you may print or download individual pages for your own personal, non-commercial use in connection with evaluating mortgage options.

The DrLoanTool name, logo, and all related marks are trademarks of DrLoanTool.com. New American Funding and its logo are trademarks of New American Funding, LLC.

9. Limitation of Liability

To the fullest extent permitted by applicable law, DrLoanTool.com, Nate Jones, and New American Funding shall not be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or related to:

• Your use of, or inability to use, the Site or any of its tools, calculators, or content.
• Any financial decisions you make based on information, calculator results, or educational content obtained from the Site.
• Any errors, inaccuracies, or omissions in the content, calculator algorithms, or tools provided on the Site.
• Any unauthorized access to or alteration of your data or transmissions.
• Any interruption, suspension, or termination of the Site or any of its features.

The Site and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. You use this Site at your own risk.

10. Third-Party Links

This Site may contain links to third-party websites, including but not limited to lender websites, government resources, professional organizations, and educational institutions. These links are provided for your convenience and informational purposes only.

DrLoanTool.com does not endorse, control, or assume responsibility for the content, privacy policies, practices, or accuracy of any third-party websites. Accessing a third-party website through a link on this Site is done entirely at your own risk, and you should review the terms of service and privacy policy of any third-party site you visit.

The inclusion of any link on this Site does not imply an affiliation, sponsorship, or endorsement by DrLoanTool.com or any associated parties.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in the State of California, and you consent to the personal jurisdiction of such courts.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

12. Changes to Terms

DrLoanTool.com reserves the right to modify, update, or replace these Terms of Service at any time and at its sole discretion. Changes will be effective immediately upon posting the revised Terms on this page, with an updated "Last updated" date.

It is your responsibility to review these Terms periodically. Your continued use of the Site after any changes constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Site.

13. Contact Information

If you have questions about these Terms of Service, please contact:

Nate Jones
Mortgage Loan Officer, NMLS #304056
New American Funding, NMLS #6606
Website: loansbynatejones.com

You may also verify Nate's licensing information through the NMLS Consumer Access portal.