Disclosures & Licensing

Educational purpose; not an extension of credit

Refinance Academy is an educational website. It is not a lender, bank, credit union, or mortgage broker. Nothing on this website constitutes an offer or extension of credit, a loan approval, a prequalification, a commitment to lend, or a solicitation of a specific loan product on specific terms. Submitting information through this website is not a loan application. Calculators on this site produce educational estimates from figures you enter; they are not quotes and do not reflect terms available to you.

Licensing

Educational content on this website is authored and reviewed by the following licensed mortgage loan originators:

Davis Erhart, NMLS #2586220
Craig Malmut, NMLS #2585619

You may verify licensing status, employment history, and any regulatory actions for either originator through NMLS Consumer Access (nmlsconsumeraccess.org), the free public registry operated by state financial regulators. Mortgage loan origination services are not offered through this website itself and are available only in states where the originator handling your inquiry is licensed.

No government affiliation

Refinance Academy is not affiliated with, endorsed by, or acting on behalf of the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), the Department of Housing and Urban Development (HUD), or any other government agency. References to FHA, VA, and other government loan programs describe those programs; they do not imply endorsement.

Accuracy and advice

We work to keep program descriptions current, but mortgage program rules, agency guidelines, and lender requirements change and vary. Content on this site is general education, not financial, legal, or tax advice for your specific circumstances, and should not be your sole basis for a financial decision. Consult qualified professionals about your situation.

Contact and consent

You will only be contacted about your inquiry if you provide express written consent through our intake form, which names who may contact you and by what methods. You may revoke consent at any time by replying STOP to any text message or contacting us. Details on how we handle your information are in our Privacy Policy.

Equal housing