Terms of Service

Last updated: 2026

These Terms of Service govern your use of this website. By accessing or using the site, you agree to these terms. If you don’t agree, please don’t use the site.

Informational purposes only

The content on this website is provided for general informational purposes and does not constitute a commitment to lend, an offer of credit, or financial advice. Loan programs, rates, and guidelines are subject to change and to credit approval and property eligibility.

No guarantee of results

Any figures produced by tools on this site, including the mortgage and program calculators, are estimates for illustration only and do not reflect an actual rate, payment, or approval. Your actual terms depend on a complete application and underwriting.

Use of this site

You may use this site for your own personal, non-commercial purposes. You agree not to use the site in any way that could damage, disable, or impair it, interfere with anyone else’s use of it, or attempt to gain unauthorized access to any part of the site or its systems.

Intellectual property

The content on this site — including text, graphics, logos, images, and design — is owned by or licensed to Pat Villano and is protected by copyright and trademark law. You may view and download materials for your own personal or internal business use only. You may not copy, reproduce, republish, distribute, frame, license, or create derivative works from any content, or use any trademarks shown here, without prior written permission.

Disclaimer

This site and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components, and we make no warranties regarding the accuracy or completeness of the information provided.

Limitation of liability

To the fullest extent permitted by law, Pat Villano and AnnieMac Home Mortgage will not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of, or inability to use, this website or any linked site.

Third-party links

This site may link to third-party websites. We are not responsible for the content, products, or practices of those sites, and any dealings you have with them are between you and the third party. We encourage you to review the terms of any site you visit.

Licensing

Pat Villano, NMLS #412470. Mortgage loans are offered through AnnieMac Home Mortgage, an Equal Housing Lender. This website is not affiliated with, endorsed by, or sponsored by any government agency.

Changes to these terms

We may modify these terms at any time. Changes take effect when posted on this page, and your continued use of the site after any change constitutes acceptance of the updated terms.

Governing law

These terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law provisions.

Contact

Questions about these terms? Reach us at pvillano@annie-mac.com or (732) 497-3870, or by mail at 700 East Gate Drive, Suite 400, Mt Laurel, NJ 08054.