Marketplace Disclosure

RatesQ does not originate, process, underwrite, approve, deny, fund, arrange, negotiate, or service mortgage loans. All mortgage lending activities are performed solely by independent licensed mortgage professionals who participate on the Platform.

Mortgage lenders, mortgage brokers, and mortgage loan originators who use the RatesQ Platform are independent businesses and licensed professionals. They are not employees, agents, or representatives of RatesQ. RatesQ does not control, supervise, direct, or guarantee the actions, representations, pricing, or compliance of any mortgage professional. Each mortgage professional is solely responsible for their own conduct, pricing, licensing, and compliance with all applicable laws and regulations.

RatesQ does not guarantee any mortgage rate, APR, loan term, loan approval, loan denial, or any other outcome of a mortgage transaction. Quote responses and rate information displayed on the Platform are informational estimates provided by independent mortgage professionals and are not guarantees, commitments, or binding offers. Actual loan terms are determined solely by the mortgage professional and are subject to underwriting, credit review, property appraisal, and applicable law.

Marketplace Verification means RatesQ has performed a limited operational review of certain information submitted by a partner, which may include publicly available licensing information, business information, and platform eligibility requirements. Marketplace Verification does not constitute an endorsement, recommendation, guarantee, certification, warranty, or representation regarding any partner's qualifications, services, rates, licensing status, financial condition, or compliance with applicable laws. Consumers must independently verify any mortgage professional before sharing sensitive information or entering into any transaction.

RatesQ LLC does not hold a mortgage broker license, mortgage lender license, or NMLS identification number. RatesQ is a technology marketplace company and is not required to maintain an NMLS license in connection with its marketplace operations. The NMLS Consumer Access verification tool should be used to verify individual mortgage professionals, not RatesQ itself.

Any mortgage transaction, application, or agreement reached between a consumer and a mortgage professional through the RatesQ Platform is conducted off-platform and is entirely the responsibility of the participating parties. RatesQ is not a party to any mortgage transaction and is not responsible for the terms, conduct, or outcome of any off-platform transaction.

RatesQ may receive subscription fees, advertising fees, sponsorship fees, promotional placement fees, or marketplace participation fees from mortgage professionals and advertising partners. This compensation may affect which professionals appear on the Platform, how they appear, and in what order, except where prohibited by law. RatesQ does not receive compensation based on loan approval, loan denial, loan amount, interest rate, APR, loan program, or successful loan closing.

• NMLS Consumer Access — Verify mortgage professionals
• Consumer Financial Protection Bureau (CFPB) — Mortgage resources and complaint filing
• HUD-Approved Housing Counselors — Free or low-cost housing counseling
• RatesQ Consumer Safety Center — Checklist for safe mortgage shopping