Optimal Mortgage · Legal

Terms of Use

Effective Date: May 1, 2026  ·  Last Updated: May 1, 2026

Please read these Terms of Use carefully before using this website. By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, do not use this Site.

Use of this Site

This Site is provided by Optimal Mortgage LLC for informational purposes. The content on this Site is intended to assist consumers in understanding mortgage products and processes. It does not constitute legal, financial, or investment advice. You should consult qualified professionals before making any financial decision.

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use automated means to access, scrape, or collect data from this Site without our prior written consent
• Attempt to gain unauthorized access to any portion of this Site or its related systems
• Transmit any harmful, fraudulent, or unlawful content through this Site
• Reproduce, distribute, or display content from this Site without authorization

No mortgage commitment

Nothing on this Site constitutes a commitment to lend, a loan approval, a rate lock, or a guarantee of any specific loan terms or availability. All mortgage products are subject to credit approval, underwriting, property appraisal, and applicable lender guidelines. Rates and programs are subject to change without notice.

Calculator and tool results

Calculators and interactive tools on this Site provide estimates for illustrative purposes only. Results are based on the information you enter and general assumptions. Actual loan payments, costs, and eligibility may differ. Do not make financial decisions based solely on calculator results.

Intellectual property

All content on this Site — including text, design, graphics, code, and the Optimal Mortgage brand elements — is the property of Optimal Mortgage LLC or its licensors and is protected by applicable intellectual property laws. Unauthorized reproduction or use is prohibited.

Third-party links

This Site may contain links to third-party websites. Those sites are not under our control, and we are not responsible for their content, privacy practices, or availability. Links are provided for convenience only and do not imply endorsement.

Disclaimer of warranties

This Site is provided "as is" without warranties of any kind, express or implied. Optimal Mortgage does not warrant that the Site will be uninterrupted, error-free, or free of viruses. We make no representations regarding the accuracy, completeness, or timeliness of any content on this Site.

Limitation of liability

To the maximum extent permitted by applicable law, Optimal Mortgage LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content.

Governing law

These Terms are governed by the laws of the State of Florida. Any dispute arising from these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts located in Miami-Dade County, Florida.

Changes to these Terms

We may revise these Terms at any time. The effective date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

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