Terms of Use.

By using this site, you agree to these terms.

Your use of edwinoquendo.com ("the Site") and any transactions you conduct with me in connection with the Site are subject to these Terms of Use ("Terms"). Clicking past the homepage constitutes your acceptance of, and agreement with, the Terms — whether or not you complete a transaction, and whether the transaction happens on the Site or through another channel (phone, email, fax, in person).

If you do not agree to these Terms, you may not use the Site.

You must be at least 18 years old to use the Site. If you're using the Site on behalf of a business entity, you represent that you have authority to bind that entity.

Who runs this site.

edwinoquendo.com is the personal-brand website of Edwin Oquendo, a licensed Mortgage Advisor (NMLS #931021) operating under Homespire, Inc., dba Homespire Home Loans (NMLS #2893) ("Homespire"), a Maryland corporation with its principal office at 1190 Winterson Road, Suite 300, Linthicum, MD 21090.

All mortgage loan products advertised or referenced on the Site are originated and funded by Homespire. All references to "I," "me," or "my" on this Site refer to Edwin Oquendo acting in his capacity as a licensed mortgage advisor for Homespire.

What you may and may not do here.

You may use the Site to research mortgage products, use the calculator, submit inquiries and applications, and communicate with me about your mortgage needs — provided you're a bona fide prospective client acting in good faith.

You agree not to use the Site or any part of it to:

• Do anything unlawful, harmful, or destructive to any person or property
• Interfere with my contractual relationships with Homespire, its employees, or its partners
• Transmit advertisements, solicitations, spam, or unsolicited commercial communications
• Transmit viruses, malware, or other harmful code
• Harvest email addresses or scrape content
• Attempt to gain unauthorized access to the Site, its servers, or connected networks
• Impersonate any person or misrepresent your affiliation with any person or entity
• Suggest an express or implied affiliation, agency, or broker relationship with me or Homespire without written permission
• Use any method or device (bots, click-fraud scripts, etc.) to click on the Site or cause a visit for any purpose other than legitimate mortgage business
• Upload or transmit content that infringes third-party intellectual property, privacy rights, or is defamatory, obscene, discriminatory, threatening, or harmful to minors
• Dilute or depreciate the name, reputation, or goodwill of me, Homespire, or their affiliates

I reserve the right, in my sole discretion and without notice, to deny access to the Site to any user for any reason, including violation of these Terms.

Nothing on this site is a loan.

All loan approvals, pre-qualifications, pre-approvals, rate locks, and refund agreements are made only in writing, signed by an authorized Homespire representative. Any information you submit through the Site — including a pre-approval or application form — creates an inquiry, not a binding commitment. Approvals, pre-qualifications, and pre-approvals are conditional on their written terms and subject to full underwriting.

By applying for a pre-qualification, you authorize me and Homespire to obtain a copy of your credit report. This may result in a "hard inquiry" appearing on your credit report and may affect your credit score.

All loans are subject to credit approval, income verification, asset verification, appraisal, and Homespire's underwriting guidelines. Not all applicants will qualify. Programs may not be available in all states. Products offered by Homespire, Inc., dba Homespire Home Loans.

The calculator is a tool, not a quote.

The mortgage calculator, affordability estimator, and amortization tools on the Site are provided for illustrative and educational purposes only. Results are estimates generated from the inputs you provide and standard mortgage math — they are not a rate quote, not a payment guarantee, and not a commitment to lend.

Estimated monthly payments shown may not include:

• Property taxes
• Homeowners insurance
• HOA or condo association fees
• Mortgage insurance (PMI/MIP) where applicable
• Flood insurance, if required
• Points, origination fees, and other closing costs

Your actual payment, rate, and total cost of borrowing depend on your credit profile, property, loan program, market conditions on the day you lock, and full underwriting. Always confirm actual numbers with me in writing before making a purchase or refinance decision.

Who owns the content on this site.

All content on the Site — including text, photography, graphics, layout, code, calculations, program descriptions, and the overall "look and feel" — is protected by copyright, trademark, and other intellectual property laws. Rights are owned by me, Homespire, and/or our licensors.

The following marks appearing on the Site are trademarks or service marks of Homespire, Inc.:

• Homespire, Inc.®
• Homespire Home Loans®
• America's Common Sense Lender™
• Related logos, emblems, and designs

The "Edwin Oquendo" name, personal brand mark, and the design system underlying this Site are used with permission of Homespire.

You do not acquire any ownership rights by viewing or downloading Site content. You may not copy, reproduce, publish, create derivative works from, distribute, transfer, modify, reverse-engineer, or frame the Site or its content, or use it as a variable in any algorithm that displays, imitates, or manipulates the Site's appearance.

You may not use any content, domain names, email addresses, trademarks, or logos on or derived from the Site in meta tags, hidden text, comparative marketing, or as content for a competing website.

Comments, ideas, and testimonials.

Ideas & suggestions. If you submit comments, suggestions, or improvement ideas about the Site or my services, those submissions become the exclusive property of me and Homespire. You forever waive any proprietary claim in the submission and acknowledge my unrestricted right to use, publish, and commercially exploit any similar or derivative idea, without notice or compensation to you.

Testimonials. If you submit a testimonial, review, or client statement, you irrevocably grant me and Homespire the right to use your statement, name, and (if provided) image or likeness in any medium for advertising or publicity purposes, without further notice or compensation.

Do not submit anything through the Site that you consider confidential unless it's in the context of a loan application (where confidentiality is protected by the Privacy Policy and federal law).

Third-party links.

The Site may contain links to third-party websites (e.g. NMLS Consumer Access, GHL calendar, Homespire's corporate site, government resources). These links are provided for convenience only. I do not endorse, control, or take responsibility for the content, services, calculations, or products available on any linked site. Your use of any third-party site is at your own risk.

You may not create links from any external website to the Site or any page within it without my written permission. I do not permit third-party advertising on the Site.

Emails, calls, and texts.

Time-sensitive instructions. Do not use the Site or email to send time-sensitive instructions affecting your loan (rate lock, cancellation, rescission, closing changes). Those may not be honored. All transactional instructions must be confirmed in writing by Homespire to be binding.

Recording & monitoring. Communications with me — email, phone, text — may be recorded or monitored for quality assurance, training, and compliance. By communicating with me, you consent to such recording where legally permitted. If you'd prefer not to be recorded, tell me and I'll switch to a non-recorded channel.

Consent to contact. Submitting a form or inquiry means you're asking me to contact you about mortgage services. You consent to be contacted by phone (including auto-dialed or pre-recorded calls), text message, email, or AI-assisted messaging at the contact information you provide — even if you're on a Do Not Call list. See the Privacy Policy's TCPA section for how to opt out.

Electronic records and signatures.

Under the federal E-SIGN Act and applicable state UETA laws, you and I may conduct business electronically and use electronic signatures. General emails and Site communications are not intended to constitute an electronic signature or agreement unless the message specifically says so and follows a documented e-signature procedure.

Clicking an "I Agree," "Accept," or similar button in a designated e-signature flow constitutes your electronic signature and is legally binding on you. You have the right to receive documents on paper instead of electronically — contact me to request paper delivery.

To access and retain electronic documents, you'll need a modern web browser, an email account, a PDF viewer, and the ability to print or save PDF files.

The site is provided "as is."

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, I DISCLAIM ALL WARRANTIES — EXPRESS OR IMPLIED — INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

The Site content may include inaccuracies, typographical errors, or information that has become outdated. I have no obligation to maintain the currency or accuracy of any content, though I try to.

I make no warranty that (a) the Site will meet your requirements, (b) access will be uninterrupted, timely, secure, or error-free, or (c) any defects will be corrected. You bear the entire cost of any repair, correction, or restoration to your data or equipment resulting from your use of the Site.

The extent of my liability to you.

UNDER NO CIRCUMSTANCES WILL I OR HOMESPIRE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE — INCLUDING DAMAGES FROM ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, DELAY, TELECOMMUNICATIONS FAILURE, OR COMPUTER VIRUS — WHETHER BROUGHT UNDER CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF I OR MY AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In those jurisdictions, my liability is limited to the maximum extent permitted by law. In any event, my total liability to you for all claims arising from or related to the Site shall not exceed the amount you paid, if any, to access or use the Site.

Nothing in this section limits liability for anything that cannot be lawfully limited under applicable federal, state, or local consumer-protection law.

You'll cover damages caused by your misuse.

You agree to indemnify and hold harmless me, Homespire, and our respective affiliates, vendors, licensors, employees, officers, directors, agents, and representatives from any costs, claims, damages, expenses, or losses (including reasonable attorneys' fees and court costs) that arise from or relate to your use of the Site or your breach of these Terms.

Maryland law, quiet resolution first.

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-laws principles. Any dispute arising out of or related to the Site or these Terms shall be resolved as follows:

1. Informal resolution. First, email me — most disputes get resolved in a phone call. Give me 30 days to fix it before escalating.
2. Formal complaint. If we can't resolve it, you may file a complaint with your state's mortgage regulator, the Consumer Financial Protection Bureau (CFPB), or the NMLS Consumer Access complaint system. Contact information is on the Compliance Hub.
3. Court venue. Any lawsuit related to the Site shall be brought exclusively in the state or federal courts located in Anne Arundel County, Maryland — except for individual actions in small-claims court where you reside, which are also permitted.

No class actions. To the extent permitted by law, you agree to resolve disputes with me only in your individual capacity, not as part of a class action or representative proceeding.

This section does not limit any rights you have under federal or state consumer-protection statutes, including the right to a jury trial where guaranteed by law.

When these terms change.

I may revise these Terms at any time without personal notice. When I do, I'll update the version number and effective date at the top of this page. Your continued use of the Site after any change constitutes acceptance of the revised Terms. If a change materially affects your rights, I'll post a notice on the homepage for at least 30 days before it takes effect.

Individual provisions of these Terms cannot be altered by side agreement unless the alteration is in writing and signed by Homespire's Legal Department. If any provision of these Terms is found unlawful or unenforceable, that provision will be severed and the remainder will remain in effect.

Questions about these terms.

If any part of these Terms is unclear, or you need to send a formal legal notice, use the contact channels below.

For licensing verification, visit nmlsconsumeraccess.org and search NMLS #931021. For Homespire's complete corporate licensing disclosures, visit homespirehomeloans.com/licensing.