Terms of Use

Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use and to applicable laws and regulations. If you do not agree with these terms, please do not use the website.

This website is operated for informational and educational purposes in connection with mortgage services offered through Duane Vizinau and Edge Home Finance.

General information only

Website content is provided for general informational and educational purposes. It is not legal, tax, accounting, investment, or financial-planning advice. Mortgage programs, guidelines, loan limits, rates, fees, costs, and eligibility requirements may change without notice and may vary based on the borrower, property, occupancy, transaction, lender, investor, and applicable law.

You should consult appropriately qualified professionals regarding your individual circumstances.

No offer or commitment to lend

Nothing on this website constitutes an offer to extend credit, a loan approval, a rate lock, or a commitment to lend. All financing is subject to application, verification, underwriting, property review, program availability, and final approval. Additional conditions may apply.

Submitting a website form, scheduling a consultation, using a calculator, or beginning an application does not guarantee approval or establish specific loan terms.

Calculators, rates, and estimates

Calculators, payment examples, rate information, affordability figures, closing-cost illustrations, and other estimates are provided as general planning tools only. Results may be based on assumptions and may not include every cost or qualification requirement.

Actual rates, annual percentage rates, payments, mortgage insurance, taxes, insurance, fees, cash-to-close amounts, and available programs must be confirmed for the specific transaction.

Applications and communications

Do not submit Social Security numbers, passwords, full account numbers, or other sensitive financial information through ordinary email or general website contact forms. Use the secure application or document-delivery method provided for that purpose.

Electronic communications may not be secure or error-free. You are responsible for confirming that important instructions, documents, or time-sensitive communications were received.

Third-party websites and services

This website may link to third-party websites or use services provided by application, scheduling, video, social-media, analytics, calculator, government, or consumer-resource providers. Links are provided for convenience and do not constitute control over or responsibility for third-party content, availability, security, accessibility, or privacy practices.

Your use of a third-party service is governed by that provider’s terms and policies.

Website content and permitted use

Unless otherwise stated, website text, graphics, branding, layouts, videos, downloads, and other materials are owned by or licensed to the website operator and are protected by applicable intellectual-property laws.

You may view and download materials for personal, noncommercial use. You may not reproduce, republish, sell, modify, distribute, frame, mirror, remove proprietary notices from, or commercially exploit website materials without prior written permission, except as allowed by law.

Prohibited use

You agree not to misuse the website, interfere with its operation, attempt unauthorized access, introduce malicious code, collect information through automated means without authorization, impersonate another person, submit false or misleading information, or use the website for unlawful activity.

Accuracy and availability

We make reasonable efforts to provide useful information, but website materials may contain errors, omissions, or outdated information. Content may be changed, corrected, suspended, or removed at any time without notice. We do not guarantee uninterrupted access or that every feature will always function as intended.

Disclaimer of warranties

To the fullest extent permitted by law, this website and its materials are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We disclaim warranties of accuracy, completeness, merchantability, fitness for a particular purpose, noninfringement, availability, and freedom from harmful components.

Limitation of liability

To the fullest extent permitted by law, Home Loans With Duane, Duane Vizinau, Edge Home Finance, and their respective owners, employees, contractors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages arising from access to or use of—or inability to access or use—this website or linked services.

Some jurisdictions do not allow certain warranty exclusions or limitations of liability, so portions of these limitations may not apply to you.

Privacy and accessibility

Use of this website is also subject to our Privacy Policy. Information about our accessibility efforts and assistance is available in the Accessibility Statement.

Changes to these terms

We may revise these Terms of Use from time to time. Updated terms become effective when posted on the website. Your continued use of the website after an update constitutes acceptance of the revised terms.