Disclosure

Mortgage & Lending Disclosure

Last updated: July 9, 2026

QuoteAmerica is not a lender

QuoteAmerica is not a lender, a mortgage lender, a mortgage broker, a mortgage loan originator, a correspondent lender, or a loan servicer. We do not originate, fund, service, purchase or sell mortgage loans. We do not make credit decisions, issue loan approvals or commitments, lock rates, or set the terms of any loan. We do not charge consumers any fee.

What we actually do

We operate an advertising and consumer referral service. When you submit a request, we may transmit your information to one or more third-party lenders, mortgage brokers, loan originators or lead purchasers. Those third parties are solely responsible for evaluating your application, determining your eligibility, and setting your rate and terms. You are under no obligation to accept any offer.

Rates and terms are not guaranteed

Any rate, APR, payment, term, loan amount or savings figure shown on this website or communicated to you is illustrative and is not a commitment to lend. Actual rates and terms depend on credit approval, underwriting, verified income and assets, property type and occupancy, appraised value, loan-to-value ratio, debt-to-income ratio, loan program, lien position, and prevailing market conditions. Rates change frequently and may change before your loan closes unless expressly locked in writing by the lender.

Your home is the collateral

A cash-out refinance and a home equity line of credit are secured by your home. If you do not make the required payments, the lender may foreclose and you could lose your home. Consolidating unsecured debt — such as credit card balances — into a loan secured by your home converts debt that cannot take your house into debt that can. Refinancing or extending your loan term may also increase the total amount of interest you pay over the life of the loan, even if your monthly payment decreases.

HELOC-specific risks

Most home equity lines of credit carry a variable interest rate tied to an index such as the prime rate. Your rate and your minimum payment can increase. When the draw period ends, the line enters a repayment period during which you may no longer draw funds and must repay principal in addition to interest, which can result in a substantial payment increase. Lenders may, under the terms of most HELOC agreements, suspend further draws or reduce your credit limit under certain conditions, including a material decline in property value or a material change in your financial circumstances.

Equal Housing Opportunity

All loans referenced on this site are subject to the Equal Credit Opportunity Act and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, receipt of public assistance, or the good faith exercise of rights under the Consumer Credit Protection Act.

Not financial or tax advice

Nothing on this website constitutes financial, legal, accounting or tax advice. Statements regarding the tax treatment of loan proceeds or of mortgage interest are general and subject to change. Consult a qualified tax professional and, where appropriate, an attorney regarding your specific situation.