Terms of Service
Edward Kalavitz — Licensed Michigan Mortgage Broker | NMLS #138424 | Serving All 83 Michigan Counties
These terms of service govern your use of mortgage-and-real-estate-help.com. I am Edward Kalavitz, a licensed Michigan mortgage broker committed to transparent, ethical service across all 83 Michigan counties.
Please read these terms of service carefully. If you have any questions, contact me directly — I am available 7 days a week including holidays.
Welcome to mortgage-and-real-estate-help.com. These terms of service govern your use of this website operated by Edward Kalavitz, a licensed Michigan mortgage broker. Please read these terms of service carefully before using our site. By accessing this website, you agree to comply with and be bound by these terms.
Agreement to Terms of Service
These terms of service govern your access to and use of mortgage-and-real-estate-help.com (the “Site”) operated by Edward Kalavitz. These terms of service apply to all visitors, users, and others who access or use our Site.
By accessing or using our Site, you agree to be bound by these terms of service and our Privacy Policy. Your continued use of this website constitutes acceptance of these terms. If you do not agree, please do not use our Site or services.
Important: These terms of service constitute a legally binding agreement between you and Edward Kalavitz. Please read them carefully before using our website or submitting any mortgage application.
Use of Our Services Under These Terms
Eligibility Requirements
You must be at least 18 years old to use our Site and mortgage services. By using our Site under these terms, you represent that you are at least 18 years of age, have the legal capacity to enter into binding contracts, will provide accurate and truthful information, and will comply with all applicable federal and state laws.
Permitted Use
Under these terms, you may use our Site for lawful purposes including researching Michigan loan programs and mortgage rates, submitting mortgage applications and pre-approval requests, using our mortgage calculator, reading our mortgage FAQ and glossary, and communicating with us about FHA, VA, USDA, conventional, and jumbo loan services.
Prohibited Activities Under Terms of Service
You agree NOT to engage in any prohibited activities under these terms, including providing false or fraudulent information on any application, impersonating another person or entity, using automated systems to scrape our Site, attempting to compromise Site security, copying or distributing Site content without permission, or transmitting viruses or other harmful code.
Mortgage Application Terms of Service
No Guarantee of Approval
Submitting a mortgage application or pre-approval request through our Site does NOT guarantee loan approval. All applications are subject to credit review and underwriting standards, income and employment verification, property appraisal and title review, lender approval and program requirements, debt-to-income ratio calculations, and credit score requirements for the selected loan program.
Accuracy of Information
You agree to provide accurate, complete, and truthful information in all applications and communications. Providing false information may result in application denial, loan rescission after closing under federal law, civil and criminal penalties under mortgage fraud laws, or immediate termination of our services as permitted by these terms.
Rates and Programs Disclosure
Interest rates, fees, and loan programs displayed on our Site are subject to change without notice and do not constitute a loan offer or rate lock. Actual rates depend on your credit score, loan amount, down payment, property type and location within Michigan, current market conditions, and loan program selected. Review our Michigan closing costs guide before committing to any loan.
Intellectual Property Rights
All content on our Site — including text, graphics, logos, images, calculators, and guides — is the property of Edward Kalavitz or our licensors and is protected by applicable intellectual property laws. These terms grant limited usage rights for personal, non-commercial use only.
You may view and download content for personal reference, print pages for your records, share links to our Site, and use our tools for personal mortgage planning. You may NOT modify, copy, distribute, or use Site content for commercial purposes, remove any copyright or proprietary notices, or reverse engineer any software or tools on this Site.
User Content Under Terms of Service
When you submit information through forms, emails, or applications (“User Content”), you grant us a non-exclusive, royalty-free license to use that content for legitimate business purposes under these terms, including processing your application through the mortgage process, providing customer support, improving our services, and maintaining records required by law.
If you provide testimonials or reviews, you grant us permission to use them in marketing materials with or without attribution. You represent that any testimonial you provide is truthful and based on your actual experience with our services.
Disclaimers and Limitations
No Professional Advice
Information on our Site is for general educational purposes only. These terms make clear that our content does not constitute legal, tax, or financial advice, a commitment to lend, investment advice, or real estate or appraisal services unless separately agreed. Visit our mortgage resources page for educational guides and helpful information.
“AS IS” Disclaimer
OUR SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, AND UNINTERRUPTED OPERATION.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, UNDER THESE TERMS OF SERVICE, EDWARD KALAVITZ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM UNDER THESE TERMS SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, WHICHEVER IS GREATER.
Indemnification
You agree to indemnify and hold harmless Edward Kalavitz, our affiliates, partners, officers, employees, and agents from any claims, damages, losses, and expenses arising from your use of our Site in violation of these terms of service, your violation of any applicable laws, your violation of any third-party rights, false or fraudulent information you provide, or your negligence or willful misconduct.
Third-Party Links and Services
Our Site may contain links to third-party websites including lenders, credit bureaus, government agencies like NMLS Consumer Access, and partner services. Under these terms of service, we do not endorse or control third-party sites, accept responsibility for their content or policies, or warrant the accuracy of their information. Your use of third-party sites is at your own risk.
Dispute Resolution Terms of Service
Governing Law
These terms of service are governed by the laws of the State of Michigan. Any disputes arising under these terms shall be resolved in state or federal courts located in Kent County, Michigan. We serve clients throughout all 83 Michigan counties including Grand Rapids, Kalamazoo, Holland, and Muskegon.
Informal Resolution
If you have a dispute regarding these terms of service, please contact us first at edward@mortgage-and-real-estate-help.com or (616) 633-3692 to attempt an informal resolution before any formal legal action.
Time Limit for Claims
Any claim arising from your use of our Site must be filed within one (1) year after the claim arose. After that period, such claims are permanently barred under these terms.
Termination of Terms of Service
We reserve the right to terminate or suspend your access to our Site under these terms of service, with or without notice, for any reason including violation of these terms, fraudulent or illegal activity, providing false information, or abusive behavior toward our staff. Upon termination, your right to use our Site immediately ceases. Provisions regarding intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution survive termination.
Changes to These Terms of Service
We may modify these terms of service at any time by posting the updated version on this page. Changes to these terms of service are effective immediately upon posting. We will update the “Last Updated” date whenever changes are made. Material changes may be communicated via email if we have your address on file. Your continued use of our Site after changes are posted constitutes acceptance of the modified terms of service.
Miscellaneous Provisions
These terms of service, together with our Privacy Policy and Disclosures, constitute the entire agreement between you and Edward Kalavitz regarding use of our Site. If any provision of these terms is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce any provision shall not be deemed a waiver. Nothing in these terms creates any agency, partnership, or employment relationship between you and Edward Kalavitz.
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What do these terms of service cover?
These terms of service govern your use of mortgage-and-real-estate-help.com, including accessing content, submitting mortgage applications, using our mortgage calculator and tools, and communicating with Edward Kalavitz about mortgage services.
Do I need to agree to the terms of service to use this website?
Yes. By accessing or using our website, you automatically agree to be bound by these terms of service. If you do not agree with any part of these terms, please do not use our Site or services.
Can the terms of service change?
Yes. We may modify these terms of service at any time. Changes are effective immediately upon posting. We update the “Last Updated” date when changes occur. Your continued use of our Site constitutes acceptance of any modified terms.
Does submitting a mortgage application guarantee approval?
No. Submitting an application does not guarantee loan approval. All applications are subject to credit review, income verification, property appraisal, and lender underwriting standards as outlined in these terms. Learn more about the mortgage process.
What happens if I violate the terms of service?
Violations may result in termination of your access to our website and services. Serious violations such as fraud or providing false information may result in legal action and civil or criminal penalties under applicable law.
How is my information protected under these terms of service?
Your information is protected according to our Privacy Policy, which works together with these terms of service. We use industry-standard security measures and comply with all federal and state privacy regulations.
What law governs these terms of service?
These terms are governed by the laws of the State of Michigan. Any disputes shall be resolved in state or federal courts located in Kent County, Michigan.
How do I contact you about these terms of service?
Contact Edward Kalavitz at (616) 633-3692 or edward@mortgage-and-real-estate-help.com with questions about these terms. Our office is at 2169 Wealthy St SE, Grand Rapids, MI 49506. We respond within 30 days.
Contact Us About Terms of Service
If you have questions or need clarification on any provision of these terms of service, please contact:
Edward Kalavitz
NMLS #138424 | Licensed Michigan Mortgage Broker
2169 Wealthy St SE
Grand Rapids, MI 49506
Phone: (616) 633-3692
Email: edward@mortgage-and-real-estate-help.com
Website: mortgage-and-real-estate-help.com
Verify License: NMLS Consumer Access
What Michigan Clients Say About Edward Kalavitz
“Very Professional and Thorough”
“Edward’s is very professional and thorough. Had a great experience working with him. Everything went very smooth.”
— Susan Parsley | Google Review
“Works Hard 24/7”
“Ed is wonderful to work with! He is very thorough, experienced, and friendly. Ed works hard 24/7 to give you the best mortgage experience and is always able to help with whatever you need!”
— Justin Schneider | Google Review
“Great to Have 2 in 1”
“Ed was very responsive, knowledgeable, and made our first home buying experience great! He’s a relator and lender, which was great to have “2 in1”. We were able to look at houses and run number the same day. He was very flexible with times we needed to set up showings, as well as very informative and organized with paperwork! I appreciate his expertise greatly!” Ask your Michigan mortgage broker to sanity-check the numbers you have been quoted.
— Mallory Anderson | First-Time Homebuyer | Google Review
“Above and Beyond — Twice”
“Edward is a great relator and loan officer. He helped my fiance and I buy our first home. We called him back when we were ready to sell and buy our forever home. He again went above and beyond to make the process swift and easy. I recommend him to my friends and family who are looking into buying, selling or refinacing their home!”
— Anthony Smolenski | Repeat Client | Google Review
“Up Front, Professional and Most Helpful”
“Edward was up front, professional and most helpful in first determining if I was a good candidate for a mortgage re-Fi. My case was Probably not the easiest , however, he made my “homework” manageable. The closing came sooner than anticipated , thanks to his perseverance, knowledge and professionalism .”
— Dennis Bowman | Refinance Client | Google Review
“Not Only My Realtor — My Friend”
“Edward was an excellent help in the most stressful time of my life. My son passed away in 2018 and I had to sell his home. Edward alleviated some stress by being patient, organized and communicated thoroughly the entire process. He not only was my realtor/loan officer but he was my friend! Highly recommend him for any home needs!”
— Paula Hilliard | Google Review
Edward Kalavitz | Licensed Michigan Mortgage Broker | NMLS #138424
Private Mortgage Guarantee LLC | NMLS #2033317 | 2169 Wealthy St SE, Grand Rapids, MI 49506 | (616) 633-3692
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Equal Housing Lender. These terms govern all use of this website. Licensed to originate mortgage loans in Michigan. This is not a commitment to lend.