Terms of Use

Last updated: February 2026

Acceptance of Terms

By accessing and using mortgagemayo.com (the "Website"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the Website.

About Our Services

This Website is operated by Matt Mayo, a licensed mortgage loan originator (NMLS #1527243) operating under United American Mortgage (Company NMLS #1942). The Website provides general information about mortgage products and services. Nothing on this Website constitutes a commitment to lend, a guarantee of loan approval, or an offer of specific terms or rates.

Not Financial Advice

The content on this Website — including calculators, tools, blog posts, and general information — is provided for educational and informational purposes only. It does not constitute financial, legal, or tax advice. Mortgage rates, programs, and terms are subject to change without notice and may vary based on your individual financial situation, credit profile, and other factors.

Always consult with a qualified professional before making financial decisions. The calculators and tools on this Website provide estimates only and should not be relied upon as guarantees of any specific outcome.

Calculator and Tool Disclaimers

The mortgage calculators, affordability tools, rent vs. buy comparisons, and home value estimates provided on this Website are for illustrative purposes only. Results are based on the information you enter and general assumptions. Actual loan terms, payments, and amounts may differ significantly based on your specific financial situation, lender guidelines, and current market conditions.

Home value estimates are provided by third-party services and are not appraisals. They should not be used as the sole basis for financial decisions.

Licensing and Regulatory Information

  • Individual NMLS #1527243
  • United American Mortgage, Company NMLS #1942
  • Equal Housing Lender
  • Verify licensing at nmlsconsumeraccess.org

Intellectual Property

All content on this Website — including text, graphics, logos, images, and software — is the property of Matt Mayo and/or United American Mortgage and is protected by applicable intellectual property laws. You may not reproduce, distribute, or modify any content without prior written consent.

Third-Party Links and Services

This Website may contain links to third-party websites and services (including but not limited to Google reviews, Homebot, NMLS Consumer Access, and Mortgage News Daily). These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites.

User Submissions

By submitting information through our forms (including the loan inquiry quiz, contact form, and newsletter signup), you confirm that the information you provide is accurate and that you consent to being contacted by Matt Mayo regarding mortgage-related services via your preferred contact method.

Limitation of Liability

To the fullest extent permitted by law, Matt Mayo and United American Mortgage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website, reliance on any information provided, or inability to access or use the Website.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Continued use of the Website after changes are posted constitutes acceptance of the revised terms.

Contact Us

If you have questions about these Terms of Use, please contact us:

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