Terms of Use

Informational purposes only

The content on this website is general educational information about mortgage products and the home financing process. It is not personalized financial advice and does not constitute a commitment to lend, an offer to lend, or a guarantee of any specific rate, term, or program. Rates, terms, and program availability change frequently and are subject to credit approval, underwriting review, property appraisal, and other conditions described at the time of formal application.

Articles, calculators, examples, and worked scenarios on this site are intended to help you frame your own decisions — they are not a substitute for a personalized conversation with a licensed mortgage loan officer. Numbers shown in examples (rates, payments, closing costs) are illustrative and may not reflect what you would actually qualify for given your specific credit, income, debts, property, and program.

No lender-borrower relationship

Use of this website — including reading content, submitting the contact form, or downloading materials — does not create a lender-borrower relationship between you and Dan Opirhory, ALCOVA Mortgage, or any affiliated party. A lender-borrower relationship is established only when you complete a formal mortgage loan application through ALCOVA Mortgage's authorized application platform and that application is accepted for underwriting review.

Licensing jurisdiction

Dan Opirhory is a mortgage loan originator with ALCOVA Mortgage, licensed to originate residential mortgage loans in specific states only. The state license inventory and individual NMLS license number are listed on the Privacy Policy & Disclosures page and are publicly verifiable through the NMLS Consumer Access registry.

Information on this site is not directed at residents of states where ALCOVA Mortgage is not licensed to originate residential mortgages. If you are a resident of an unlicensed state, the educational content here may still be useful, but we cannot accept a loan application from you.

Accuracy of information

We make reasonable efforts to keep information on this site accurate and current. However, mortgage program rules, loan limits, agency guidelines, and tax laws change frequently. We do not warrant the completeness or accuracy of any content and disclaim liability for errors or omissions. For any decision-grade information — current loan limits, current rates, current eligibility rules — verify directly with the relevant authority (FHFA, VA, FHA, USDA, IRS) or with a licensed mortgage loan originator.

Third-party links and resources

This website may contain links to external sites including VA.gov, FHFA.gov, NMLS Consumer Access, and other federal, state, and regulatory resources. We are not responsible for the content, accuracy, privacy practices, or availability of those sites. External links are provided for your convenience and do not constitute endorsement of any third-party product, service, or organization.

Intellectual property

All content on this site — articles, guides, photographs, graphics, and structural design — is either owned by Dan Opirhory / ALCOVA Mortgage or used under license. You may link to pages on this site without prior permission. You may not copy, redistribute, or reproduce significant portions of site content without written permission, except as fair use for personal reference.

Changes to these terms

We reserve the right to update these terms at any time. The current version is the version posted on this page; the "last reviewed" date in the draft notice above reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated terms. If a change is material, we will note it on the homepage or relevant page.

Contact

Questions about these terms? Reach out at dopirhory@alcova.com or through the contact form.

NMLS #2619871 · Company NMLS #40508. Equal Housing Opportunity. ALCOVA Mortgage is an equal housing lender.