Terms of Use

These Terms govern your use of this website operated by Alfred Spencer (Loans By Alfred), mortgage broker with eMortgage Capital.

Informational Purposes Only

Content on this website is for general informational and educational purposes only and does not constitute a commitment to lend or a loan offer. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice.

No Professional Advice

Mortgage education articles are general in nature and are not financial, tax, or legal advice. Consult a qualified professional for advice specific to your situation.

Third-Party Tools

This website links to a separate qualification application (MortgageIQ). Your use of that application is governed by its own terms and privacy policy.

Changes

We may update these Terms at any time. Continued use of the site constitutes acceptance of the updated Terms.

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