Terms & Conditions
A legal disclaimer Effective Date: September 29, 2026
Welcome to the A1 Mortgage website. These Terms and Conditions (“Terms”) govern your access to and use of this website and the information, tools, forms, and services made available through it.
By accessing or using this website, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
About A1 Mortgage
This website is owned and operated by A1 Mortgage, a mortgage brokerage located in Muskegon, Michigan.
The website is intended to provide consumers with information about mortgage financing and related services, including home purchase loans, refinancing, home-value information, mortgage programs, educational resources, and opportunities to contact or apply with A1 Mortgage.
Information presented on this website is intended for general informational purposes and should not be considered a commitment to lend or an offer or guarantee of any particular loan product, interest rate, loan terms, approval, or qualification.
Eligibility and Use of Our Website
You may use this website only for lawful purposes and in accordance with these Terms.
By submitting information through our website, you represent that the information you provide is accurate to the best of your knowledge and that you are authorized to provide such information.
You may not use this website in a manner that could damage, disable, interfere with, or impair the website, its security, or another person's use of the website.
Mortgage Information and Loan Programs
A1 Mortgage offers access to various mortgage programs, which may include conventional, FHA, VA, USDA, manufactured-home, investment-property, DSCR, short-term-rental, and other financing options.
Not all loan programs are available to all borrowers or for all properties.
Loan programs, underwriting guidelines, interest rates, fees, eligibility requirements, down-payment requirements, credit requirements, and other terms are subject to change and may vary based on the borrower, property, lender, investor, market conditions, and other factors.
Nothing on this website constitutes a guarantee that you will qualify for or receive a particular mortgage product.
Pre-Qualifications and Pre-Approvals
Any pre-qualification, preliminary estimate, scenario, or similar information provided through or as a result of this website is subject to verification.
Final loan approval may depend on factors including, but not limited to, verification of income, employment, assets, credit, debts, property eligibility, appraisal, title, insurance, underwriting requirements, and lender or investor guidelines.
A pre-qualification or pre-approval should not be interpreted as a final loan approval or commitment to lend unless specifically provided as such in applicable loan documentation.
Rates, Payments and Examples
Mortgage rates, payment examples, loan scenarios, calculators, estimated savings, and other financial illustrations appearing on this website are provided for informational purposes unless specifically stated otherwise.
Actual rates, payments, costs, and loan terms may vary based on factors including credit profile, loan amount, property type, occupancy, down payment or equity, market conditions, and the loan program selected.
Rates and loan programs are subject to availability and may change without notice.
Home Value Information
Any home-value estimate, property-value information, or related information available through this website is provided for informational purposes only.
Such information should not be considered an appraisal or guarantee of a property's market value.
Actual property value may differ and may require an appraisal or other valuation acceptable to the applicable lender or loan program.
No Financial, Tax or Legal Advice
Information provided on this website is intended for general mortgage and educational purposes.
A1 Mortgage does not provide legal, tax, accounting, or investment advice through this website. You should consult an appropriate qualified professional regarding your individual legal, tax, financial, or investment circumstances.
Website Forms and Mortgage Applications
Submitting a form, requesting information, requesting a consultation, checking your home value, or beginning a mortgage application does not create an obligation for A1 Mortgage to provide financing and does not guarantee approval.
Additional documentation and information may be required before a loan can be evaluated, approved, or closed.
Information you provide to us is handled in accordance with our Privacy Policy and applicable laws and regulations.
Electronic Communications
When you provide your email address, telephone number, or other contact information, A1 Mortgage may use that information to respond to your request and communicate with you regarding the products or services you requested.
Where you separately provide any consent required by applicable law, communications may include telephone calls, emails, or text messages.
Any specific consent language presented on a website form governs communications arising from that consent. You may request to stop receiving marketing communications in accordance with the instructions provided in those communications and applicable law.
Third-Party Websites and Services
Our website may contain links to or integrations with third-party websites and services, including mortgage application platforms, lenders, property-information services, calculators, social-media platforms, and other providers.
These third-party services are independently operated, and A1 Mortgage does not control their content, availability, security, terms, or privacy practices.
Accessing a third-party website or service is subject to that provider's own terms and policies.
Website Availability and Accuracy
A1 Mortgage makes reasonable efforts to provide useful and accurate information. However, mortgage programs, guidelines, interest rates, regulations, property information, and other information can change.
We do not warrant that all website information will always be complete, current, error-free, or available without interruption.
We reserve the right to correct errors and to modify, update, suspend, discontinue, or remove website content, features, programs, or services at any time.
Intellectual Property
Unless otherwise indicated, the content of this website—including text, graphics, logos, branding, photographs, videos, designs, and other materials—is owned by A1 Mortgage or used with permission.
Website content may not be copied, reproduced, modified, distributed, republished, displayed, or commercially exploited without prior authorization from A1 Mortgage or the applicable rights holder, except as permitted by law.
Prohibited Uses
You agree not to use this website to engage in unlawful or fraudulent activity; submit false, misleading, or unauthorized information; attempt to gain unauthorized access to our systems; introduce malicious software or code; interfere with website operation or security; impersonate another individual or entity; or use website content in violation of intellectual-property rights or applicable law.
Disclaimer of Warranties
To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.
A1 Mortgage does not guarantee that the website will always be uninterrupted, secure, error-free, or free from harmful components.
Nothing in this section limits any rights or obligations that cannot legally be waived or limited.
Limitation of Liability
To the fullest extent permitted by applicable law, A1 Mortgage and its owners, employees, agents, and representatives will not be liable for indirect, incidental, special, consequential, or similar damages arising from your use of, or inability to use, this website or reliance upon information presented on it.
Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.
Privacy
Your use of this website is also subject to the A1 Mortgage Privacy Policy, which explains how we collect, use, disclose, and protect information obtained through our website.
The Privacy Policy should be read together with these Terms & Conditions.
Equal Housing Opportunity
A1 Mortgage supports the principles of fair housing and equal access to credit. Mortgage products and services are offered without unlawful discrimination and in accordance with applicable federal and state fair-lending requirements.
Changes to These Terms
A1 Mortgage may revise these Terms periodically to reflect changes to our website, services, business practices, or applicable requirements.
Updated Terms will be posted on this page with a revised effective date.
Your continued use of the website after revised Terms are posted constitutes acceptance of those Terms to the extent permitted by applicable law.
Governing Law
These Terms and your use of this website will be governed by applicable federal law and the laws of the State of Michigan, without regard to conflict-of-law principles.
Any dispute concerning these Terms or use of this website will be subject to the jurisdiction of courts of competent jurisdiction, except where applicable law requires otherwise.
Contact Us
Questions concerning these Terms & Conditions may be directed to:
A1 Mortgage
Muskegon, Michigan
Phone: 231-747-3228
Email: dustin@a1mortgagelender.com
NMLS# 2257914