Terms of Service

1. Acceptance of Terms

By accessing or using www.taketherate.com (the "Site") or any of the services offered by Take The Rate ("we," "us," "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

Take The Rate is operated by Travis Saling, NMLS #299683, a licensed mortgage loan originator. Loans are originated through Answer Home Lending and our network of wholesale lender partners.

2. Eligibility

You must be at least 18 years old and a legal U.S. resident to use our services. By using this Site you represent that you meet these requirements and that the information you provide is true, accurate, and complete.

3. Use of the Site

You agree to use this Site only for lawful purposes. You may not:

• Submit false, misleading, or fraudulent information
• Impersonate another person or entity
• Attempt to gain unauthorized access to any part of the Site or its systems
• Interfere with the Site's operation, security, or other users' use
• Scrape, copy, or republish content without our written permission
• Use automated tools (bots, crawlers) except for permitted search engine indexing

4. Mortgage Quotes Are Not Commitments

Sample rates and calculator results are estimates. Your final rate will be determined after a complete loan application, credit pull, and lender pricing.

5. Communications and Electronic Records

By providing your contact information, you consent to receive communications from Take The Rate by email, phone, and SMS regarding your inquiry, application, and related services. Standard message and data rates may apply for SMS. You can opt out of marketing communications at any time by replying STOP to texts or unsubscribing from emails. You cannot opt out of transactional communications related to an active loan application without withdrawing the application.

You agree to receive disclosures, notices, and other documents electronically (E-SIGN Act consent). You can withdraw this consent by contacting us in writing, but doing so may delay or prevent loan processing.

6. Credit Authorization

Submitting a loan application or requesting a rate quote that requires a credit pull authorizes Take The Rate and our lender partners to obtain a credit report from one or more credit bureaus. Soft credit pulls do not affect your credit score; hard credit pulls associated with a full mortgage application may temporarily lower your score by a few points.

7. Third-Party Links and Services

This Site may link to third-party websites, including the loan application portal at answerhomelending.my1003app.com. We are not responsible for the content, privacy practices, or availability of third-party sites. Use of those sites is governed by their own terms.

8. Intellectual Property

All content on this Site — including logos, text, images, calculators, and code — is owned by or licensed to Take The Rate and is protected by copyright and trademark law. You may view and print pages for personal, non-commercial use. Any other use requires our prior written consent.

9. Disclaimers

This Site and its content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied. We make no warranties regarding the accuracy, reliability, or completeness of any content or calculator output. Mortgage calculators are educational tools only — they do not account for every fee, lender overlay, or pricing adjustment.

Nothing on this Site is intended as legal, tax, accounting, or financial advice. Consult a qualified professional for guidance specific to your situation.

10. Limitation of Liability

To the maximum extent permitted by law, Take The Rate, Travis Saling, and our affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or our services, including but not limited to lost profits, lost savings, or rate changes between the time of inquiry and loan lock.

11. Indemnification

You agree to indemnify and hold harmless Take The Rate, Travis Saling, and our affiliates from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site.

12. State Licensing

Take The Rate is licensed to originate mortgages in: California, Oregon, Nevada, Arizona, Colorado, Idaho, Florida, Texas, and Tennessee. We cannot offer or originate loans in states where we are not licensed. Submission of an inquiry from a non-licensed state does not create a customer relationship.

For state-by-state license details, visit NMLS Consumer Access.

13. Equal Credit Opportunity / Fair Housing

Take The Rate is an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), or because all or part of the applicant's income comes from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

14. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms.

15. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any disputes arising from these Terms or your use of the Site will be resolved in the state or federal courts located in San Diego County, California, and you consent to that jurisdiction.

16. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date reflects the most recent revision. Material changes will be communicated via email or a notice on this Site. Continued use of the Site after changes are posted means you accept the revised Terms.

17. Contact Us

NMLS Consumer Access: www.nmlsconsumeraccess.org. Equal Housing Lender 🏠.