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*This statement is not a guarantee of results, savings, or any financial circumstances. We strive to accurately represent these concepts and the educational value they provide. However, there is no guarantee that you will save any money using the techniques and ideas in these materials. When we present savings, interest, and other related benefits on our website and our other channels, we are showcasing both real and simulated results, which may not apply to you. Your results will be determined by a number of factors over which we have no control, such as your financial condition, experiences, skills, level of efforts, education, and changes within the market. By continuing to use our site and access our content, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing and of our products or services. 

**The figures and numbers presented in the First Lien HELOC calculator are simulations dependent upon your reported financial circumstances and the data that you enter. These figures are limited estimations and we at First Lien HELOC LLC can not guarantee future results. By using our calculator, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing and or using our products or services.

***We are not a lender, bank or financial institution and do not make loans or credit decisions in connection with loans or pre-qualify any consumer for a loan. When you submit a request for financing or information using our services, we may submit your information to one or more third party lenders or other brokers, aggregators or referral services, and other reputable third parties in connection with fulfilling your loan request or other request for insurance, marketing, vehicle sales or leasing, or other products and services, and your information may be shared in accordance with this our Terms of Service and Privacy Policy.

Should you apply for a First Lien HELOC with any bank or lending institution, all lending decisions are made by the lender and we do not guarantee approval or that any loan terms or rates provided or offered to you will be the best terms or the lowest rates available in the market. We do not guarantee that submitting your information through the sites or services will result in you being matched with a lender for further processing. We do not guarantee that you will be offered home financing related to your loan request, nor do we guarantee that any home financing or loan product you are offered by a lender will include rates or terms satisfactory to you. Any offerings made to you will be done so by the lender and not by us. Services listed on the site do not represent all financing or credit options, products or services available in the market. Not all consumers may be approved and individual loans terms and rates may vary based on the lender’s credit determinations, amount financed and other factors. The lender may perform a credit check or other credit evaluation in making their lending decisions. Nothing contained on our site constitutes an offer or promise for a loan commitment or interest rate lock-in agreement. There is no guarantee that a loan will be given to any user using these services.

You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. The lender you select is solely responsible for its services to you, and you agree that we will not be liable for any damages or costs of any type arising out of or in any way connected with a loan obtained from any lender or your use of a lender’s products or services.

The services listed on our sites may not be available in all states and you should check with the lender for availability. We and the lenders expressly reserve the right to discontinue, suspend or terminate the offering of any services at any time.