These terms explain how you may use the Ben Bell, Mortgage Broker website and the legal limits that apply. The short answer: this site provides information only, quotes and rate examples are not binding, and binding loan terms must appear in written loan documents provided by a lender.
Scope of these terms
These terms govern your access to and use of content published by Ben Bell, Mortgage Broker, NMLS #1450064. We are a mortgage broker based in Atlanta, Georgia. The site describes services we offer and mortgage products including conventional loans, FHA loans, VA home loans, USDA loans, investment property loans and home equity loans. We also reference partner lenders such as UMortgage, NMLS 1457759, and identify Equal Housing Opportunity Lender status where applicable. Using this site means you accept these terms.
Accuracy of information and quotes
We publish general information about mortgage options, lender programs and market examples to help you learn and prepare. We do not guarantee completeness or accuracy of every item. Any interest rates, payment examples or eligibility notes on the site are estimates only and do not create a binding offer. A loan commitment or preapproval requires written documentation and lender approval. You should not treat online content as a substitute for written disclosures from a lender.
Use of site content and intellectual property
All text, images and layout on this site are owned by or licensed to Ben Bell, Mortgage Broker unless otherwise noted. You may read and download material for personal, non commercial use only. Reproduction, redistribution or commercial use without our permission is prohibited. If you want to reuse content for permitted purposes, request permission in writing through the contact options provided on the site.
Third party links and endorsements
The site may contain links to third party websites, including lender partners and industry resources. Links do not imply endorsement and we are not responsible for the content or practices of third party sites. When you follow a link to another website you assume any risk associated with that site. We encourage you to review third party privacy and terms pages before sharing personal information.
Watch out: Information on this website is for educational purposes and not personalized financial advice. Mortgage decisions depend on individual circumstances, credit profiles and lender underwriting. For guidance tailored to your situation rely on written loan disclosures and a licensed mortgage professional.
Limitation of liability and disclaimers
To the fullest extent permitted by law, Ben Bell, Mortgage Broker disclaims liability for direct, indirect, incidental or consequential losses arising from use of this website or reliance on its content. We do not warrant that the site will be uninterrupted or error free. Nothing in these terms limits liability for gross negligence or willful misconduct where applicable law does not allow such limitations.
Changes to content and to these terms
We may update site content and these terms at any time. Material changes will be posted on the site. Continued use after changes indicates acceptance of the revised terms. If you disagree with a future change you should stop using the site.
Governing law and dispute resolution
These terms are governed by the laws of the state of Georgia. If a dispute arises out of or related to these terms, the parties will seek to resolve the matter through negotiation and, if necessary, through the courts of Georgia, subject to applicable law.
What you can and cannot do
- Use site information for personal research and to compare loan options.
- Share publicly available resources with proper attribution.
- Do not copy or republish content for commercial use without permission.
- Do not rely on online quotes as final loan terms.
Key takeaway
This website is an informational resource. Binding mortgage terms require written lender disclosures and signed loan documents. Use the site to learn and prepare, and rely on formal paperwork for final decisions.