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lowratemortgageterms.com is not a lender or mortgage broker in any transaction. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and brokers and will vary based upon your loan request and determined by the lenders or brokers to whom you are matched. Not all consumers will qualify for the advertised rates and terms. You may not be matched with the lender or broker, and we does not guarantee that any lender will make you a conditional loan offer. lowratemortgageterms.com arranges for multiple conditional loan offers through our network of nonaffiliated lenders and brokers. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.