Legal
Terms of use
Last updated August 21, 2026.
Review required before launch. This is a working draft that reflects how the site operates. Have a licensed attorney review it before this site goes live.
Acceptance
By using this site you agree to these terms. If you do not agree, do not use the site.
Not a lender, not an offer of credit
5 Star Mortgage Lender is a publisher of news and educational content. It is not a mortgage lender, broker, or servicer. It does not originate loans, take applications, or make credit decisions. Nothing on this site is a commitment to lend, an offer or solicitation of credit, or an advertisement of specific credit terms.
Not financial, legal, or tax advice
Content here is general information, not advice about your situation. Mortgage decisions depend on facts this site cannot see. Consult a licensed loan originator, and where relevant an attorney or tax professional, before acting.
Rate information
Rate figures shown are third-party national averages published by Mortgage News Daily, and economic indicators published by the Federal Reserve Bank of St. Louis (FRED). They are survey and index data, not quotes, and they may be delayed, revised, or unavailable. They do not reflect any rate available to you. Verify all terms directly with a licensed lender before relying on them.
Affiliate relationship
This site shares common ownership with Bloom Lending, LLC and recommends Bloom Lending. We may be compensated when a reader becomes a Bloom Lending client. Following a link to Bloom Lending takes you to a separate site governed by its own terms and privacy policy.
Third-party content and links
We link to and embed third-party sources. We do not control them and are not responsible for their content, availability, or practices.
Intellectual property
Original content on this site is owned by its publisher. Embedded third-party content, including the Mortgage News Daily rate widget, remains the property of its owner and is displayed under the terms that owner makes available.
Acceptable use
Do not scrape, mirror, or systematically retrieve this site, interfere with its operation, or use it to break the law.
Disclaimer of warranties
The site is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose.
Limitation of liability
To the fullest extent permitted by law, the publisher is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of this site or reliance on its content.
Changes
We may update these terms; continued use after a change means you accept the revised terms.