1. GENERAL DISCLAIMER
   NEITHER NEWFED MORTGAGE (NFM), ITS EMPLOYEES, AGENTS, SUCCESSORS, AND/OR ASSIGNS, MAKES ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION CONTAINED AT THIS WEBSITE (INCLUDING CALCULATORS) OR REPRESENT THAT USE OF THIS INFORMATION WOULD NOT INFRINGE OTHER THIRD PARTY RIGHTS. FURTHER, NFM SHALL NO BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, OR INCONSEQUENTIAL DAMAGES TO THE USER, OR THIRD PARTY ARISING FROM USE OF THIS WEBSITE.
    
2. Hold Harmless
   In providing this information, NFM does not assume any liability as a result of the use or misuse of this information. By your use of this information, you recognize and agree to hold NFM harmless from any liability as a result of your use or misuse of this information, materials, products or services listed at this website.
    
3. Change of Information at Website
   NFM reserves the right to change any information at this website, including but not limited to revising and/or deleting loan products or loan-related information without prior notice.
    
4. Website Information is Not a Loan Offering
   The user is further advised that unless otherwise stated to the user, nothing contained in this website is an offer, promise, or otherwise, either to make a specific loan or that NFM will make any kind of loan for any purpose on any specific terms. All loan-related decisions are made by NFM in the course of its normal business and any applicable loan offerings are made to qualified applicants in separate loan documents which are required by applicable federal and state law of the United States of America.
    
5. Geographic Restriction
   Loans may only be made to properties located in the United States of America. NFM is not authorized to make any loans outside of the United States of America and by this website does not attempt to do so. NFM reserves the right to discontinue loan products in any specific state. NFM offers loans to the following states: Alaska, Colorado, Florida, Massachusetts, New Hampshire and Rhode Island.
    
6. Confidentiality of Electronic Transmissions
   The user is cautioned that transactions over the Internet may not be confidential and may be subject to unauthorized interception by third parties. Accordingly, before any information is provided to NFM, the user should understand that NFM assumes no liability or responsibility should the user's confidential information be intercepted and subsequently used by an unintended recipient. As an alternative, the user may call a NFM representative at 1-877-NewFED-1 for assistance or further information. Please review our privacy policy for details on how NFM protects your information to the best of our ability.
    
7. Linking to Other Websites
   Clicking on certain links within this website might take you to other, non-related websites for which NFM assumes no responsibility of any kind for the content or otherwise. Access to any other websites linked to NFM site is at the user's risk.
    
8. Home Mortgage Disclosure Act Notice
   The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications: race, gender and income of applicants and borrowers, and information about loan approvals and denials. Inquire at this website regarding the locations where HMDA data may be inspected.