The Home Loans Advisor web site is aservice for insurance and mortgage consumers.  Further, Home Loans Advisor, Inc. does not sell insurance  or mortgage products, or is affiliated with any insurance or mortgage company. ALL INFORMATION  IS STRICTLY CONFIDENTIAL AND IS TRANSFERRED UPON RECEIPT BY  Home Loans Advisor, Inc.., TO LICENSED PROFESSIONALS IN   YOUR AREA WHO WILL CONTACT YOU AND RETURN YOUR COMPLETED QUOTE  DIRECTLY.  Accordingly, Home Loans Advisor, Inc..,  is not hereby endorsing or recommending any specific insurance  / mortgage company, coverage,  product or policy type.   NOTHING ON THIS WEB SITE SHOULD BE CONSTRUED AN OFFER TO BUY  INSURANCE OR MORTGAGE PRODUCTS, BUT  MERELY A CONFIDENTIAL  INFORMATIONAL INQUIRY.

Home Loans Advisor,  Inc., is an independent information gathering firm.  We are not an insurance agency or mortgage brokerage, and consequently we are not qualified nor registered to provide quotes to the  public directly.  Further, the material included on the  this web site is for informational purposes inly. The content (FAQ's / GUIDES) has been compiled from a wide range of industry sources, and we believe the information to be accurate, however we do not guarantee its accuracy. The listings of insurance companies (if any) and rates are not to be construed as advertising in any form. We will not accept payment as a condition of being listed on the Home Loans Advisor, Inc. web site.

INSURANCE: FURTHER, YOU SHOULD KNOW THAT, it is possible that, upon review of your application and medical records, the insurance carrier will determine that (1)  you cannot be approved for coverage  or, (2) you fall into a different risk classification. Your  final rate could be higher or lower than the rate a licensed  agent has quoted. If there is a change, you will  be  notified and you will have the option to accept the new rate or not.  All products and product features may not be available  in all states,  ASK YOUR LICENSED PROFESSIONAL WHAT IS BOTH  AVAILABLE, AS WELL AS RIGHT FOR YOU.  Complete details are included in the specific policy illustrations that are provided to each prospective customer by their licensed agent, when  the final  application is completed.

Home Loans Advisor,  Inc., can not or will not give legal, tax, financial planning  or other professional advice. Always consult with a qualified advisor regarding your personal situation.

MORTGAGE:  FURTHER, YOU SHOULD KNOW THAT, it is possible that, upon review of your application and credit records, the lending  institution will determine that (1) you cannot be approved   for credit or, (2) you fall into a higher risk classification.  Your final rate could be higher or lower than the rate a licensed  broker has quoted. If there is a change, you will be notified  and you will  have the option to accept the new rate or not.  All products and product features may not be available in all states,  ASK YOUR LICENSED PROFESSIONAL WHAT IS BOTH  AVAILABLE, AS WELL AS RIGHT FOR  YOU.  Complete details  are included in the specific disclaimers and consumer disclosure material that is provided to each prospective customer by  their licensed broker, when the final application is   completed.

Home Loans Advisor,  Inc., EXPRESSLY DISCLAIMS ANY WARRANTY OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR USE. THE INFORMATION IS   PROVIDED AS IS, WITH ALL FAULTS.  Home Loans Advisor,  Inc.  not be liable to any user or anyone else for any inaccuracy,  error or  omission, regardless of cause, in the  Information or for any damages resulting therefrom. In no event shall Home Loans Advisor  be liable for any consequential damages suffered by user as the  result of user's access to or use of the Information. Home Loans Advisor, Inc.  has no responsibility for the content of any messages or information  posted by users, or for the content of information of third  parties  on the Internet, even if accessed through Home Loans Advisor, Inc., site.  The user agrees to indemnify Home Loans Advisor, Inc.,  from any damages, losses, costs or expenses which Home Loans Advisor, Inc.,  and  its authorized representatives may incur as a result of material entered into these World Wide Web  pages by the user.

In the future, the Home Loans Advisor, Inc. web site may, for the benefit of its users, be linked to other sites of which Home Loans Advisor, Inc. has no relation and exercises no control.  Home Loans Advisor, Inc. makes no representations as to the accuracy of any of the information  contained in such hyper  linked sites, nor shall it be liable for the users' reliance on any information contained therein.


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