Last updated: July 2026
Welcome to Loanestic. By accessing or using loanestic.com (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use the Site.
1. Purpose of the Site
Loanestic publishes educational and informational content about mortgages, home loans, and related financial topics, including but not limited to FHA loans, VA loans, HELOCs, refinancing, closing costs, down payments, mortgage insurance, and mortgage rates by state and credit profile.
Loanestic is not a mortgage lender, mortgage broker, bank, or financial institution. We do not originate, underwrite, fund, or process loan applications of any kind. We do not provide personalized financial, legal, or tax advice.
2. Not Financial Advice
All content on this Site is provided for general informational purposes only and should not be construed as financial, legal, tax, or professional advice. Mortgage rates, loan requirements, program eligibility, and lending guidelines change frequently and vary by lender, state, and individual circumstances. Always verify current terms directly with a licensed lender, financial advisor, or relevant government agency before making any financial decision.
3. No Guarantee of Accuracy
While we make reasonable efforts to keep content accurate and current, Loanestic makes no representations or warranties, express or implied, about the completeness, accuracy, reliability, or suitability of any information on the Site. Rates, figures, and program details referenced in our articles are illustrative and may not reflect current market conditions.
4. Third-Party Links and Advertising
The Site may contain links to third-party websites and displays advertising served by Google Ad Manager and other ad technology partners. Loanestic does not control and is not responsible for the content, accuracy, or practices of any third-party site. The presence of a link or advertisement does not imply endorsement by Loanestic. As noted in our Privacy Policy, Loanestic does not currently have confirmed affiliate relationships with lenders or financial institutions referenced in its content.
5. Intellectual Property
All content on this Site, including text, graphics, logos, and images, is the property of Loanestic or its content creators and is protected by copyright and other intellectual property laws, unless otherwise noted. You may not reproduce, distribute, or republish content from this Site without prior written permission.
6. User Conduct
You agree not to use the Site in any way that could damage, disable, or impair it, or interfere with any other party’s use of the Site, including through unauthorized automated access, scraping, or malicious code.
7. Limitation of Liability
To the fullest extent permitted by law, Loanestic and its owners, employees, and contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or any content, financial decision, or third-party service accessed through it.
8. Changes to These Terms
We may revise these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
9. Governing Law
These Terms are governed by the laws of the United States, without regard to conflict of law principles, unless otherwise required by applicable local law.
10. Contact Us
Questions about these Terms can be sent to info@loanestic.com.