1. Acceptance of terms
By using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
2. Informational purpose only
The site provides general mortgage information, educational resources and planning tools. It is not a loan approval, commitment to lend, rate lock, credit decision or guarantee of any loan program, interest rate, payment amount or closing outcome.
3. Calculators and estimates
Calculator results are estimates based on the information entered and assumptions built into the tool. Actual principal, interest, taxes, insurance, mortgage insurance, homeowners association dues, closing costs, rates and loan terms may differ. A personalized loan review is required before relying on any estimate.
4. No legal, tax or financial advice
Website content is general in nature and does not replace legal, tax, accounting, investment or other professional advice. Consult the appropriate professional concerning your individual situation.
5. Applications and credit decisions
Formal mortgage applications may be completed through systems operated by Barrett Financial Group or its service providers. All loans are subject to applicable underwriting, documentation, property, credit and program requirements. Submitting information does not obligate you to proceed with a loan.
6. Geographic and licensing limitations
John Bramley is NMLS 192835 and is currently identified by Barrett Financial Group as licensed in Georgia, New Jersey and South Carolina. This website is not an offer to provide mortgage services where John or Barrett Financial Group is not properly licensed or authorized.
7. Communications
When you ask John to contact you, you authorize a response using the information you provide. Any separate consent for marketing calls or text messages will be governed by the disclosure shown at the point where that consent is requested.
8. Intellectual property
Unless otherwise noted, the website design, copy, graphics and original materials are protected by applicable intellectual property laws. You may use the site for personal informational purposes but may not reproduce or commercially distribute substantial portions without permission.
9. Third party links
Links to Barrett Financial Group, NMLS Consumer Access, review platforms or other third party websites are provided for convenience. John does not control the content, availability or privacy practices of independent third party sites.
10. Availability and accuracy
Reasonable efforts are made to keep the site useful and current, but mortgage rules, rates, programs and market conditions can change. Content may be updated, corrected or removed without notice.
11. Limitation of website use
To the extent permitted by law, neither John nor Barrett Financial Group is responsible for losses resulting solely from reliance on general website content or estimated calculator output when a personalized loan review was not completed.
12. Contact
Questions about these terms may be directed to John Bramley at JBramley@BarrettFinancial.com or 862.268.1326.