Disclaimer


Effective Date: November 4, 2025
Website: www.Kelvinyourmortgagebroker.com
Business Name Kelvin Andrade – NMLS 1135008


General Information


The information provided on this website is for educational and informational purposes only and should not be considered financial, legal, or tax advice. While every effort is made to ensure accuracy, mortgage programs, rates, and lending guidelines are subject to change without notice. Always consult with a licensed mortgage professional before making financial decisions.


No Guarantee or Offer of Credit


Nothing on this website constitutes an offer to lend, a loan approval, or a rate lock.


All loan applications are subject to:


  • Credit and property approval,
  • Verification of income and assets, and
  • Compliance with federal, state, and lender-specific guidelines.


Final terms, conditions, and loan approval are determined only after a full underwriting review.


Third-Party Information


This website may include links or references to third-party websites, resources, or service providers. These are provided solely for your convenience. Kelvin Andrade – Your Mortgage Broker is not responsible for the content, privacy practices, or accuracy of any third-party site.


Equal Housing Opportunity


Kelvin Andrade – and Universal Mortgage, LLC is proud to be an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income comes from public assistance programs.


Limitation of Liability


By using this website, you agree that Kelvin Andrade, his affiliates, and partners shall not be held liable for any direct or indirect losses arising from your use of this website or reliance on any information contained herein. You assume full responsibility for evaluating the accuracy and applicability of any information provided.


Changes to This Disclaimer


We may update this Disclaimer periodically to reflect changes in regulations or business practices. Any revisions will be posted on this page with a new effective date.