Terms of Use

Last Updated: March 16, 2026

Welcome to the LoanTree LLC website. By accessing or using this website (loantreellc.com), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

1. About LoanTree LLC

LoanTree LLC is a licensed mortgage lender (NMLS #1974541) with offices in Lone Tree, Colorado and El Dorado Hills, California. We are licensed to originate mortgage loans in multiple states. For specific state licensing information, please visit our Licensing & Disclosures page.

2. Not a Commitment to Lend

Nothing on this website constitutes a commitment to lend, a guarantee of loan approval, or a binding offer to make a loan. All loan applications are subject to credit approval, underwriting review, and verification of information provided. The terms and conditions of any loan are determined through the formal application and underwriting process and are set forth in the loan documents provided to borrowers.

3. Rate and Payment Information

Mortgage rates, APR figures, and payment estimates displayed on this website are for informational and illustrative purposes only and are subject to change without notice. Rates shown:

• Are based on specific assumptions (e.g., credit score, down payment, loan amount, property type) that may not apply to your individual situation
• Do not constitute a rate quote, rate lock, or commitment to lend at the displayed rate
• May differ from the rate available to you based on your individual creditworthiness, loan program, property type, occupancy, and other factors
• Are sourced from publicly available data (Freddie Mac via FRED) and may not reflect LoanTree LLC's current pricing

The mortgage calculator on this website provides estimates only. Actual monthly payments may vary. Estimated property taxes and insurance are approximations and will vary by location and property. Contact a LoanTree loan officer for a personalized rate quote and accurate payment estimate.

4. Equal Housing Opportunity

LoanTree LLC is an Equal Housing Lender. We are committed to compliance with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and all applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, sexual orientation, gender identity, or any other characteristic protected by law.

5. Use of This Website

You agree to use this website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Submit false, misleading, or fraudulent information through any forms
• Attempt to gain unauthorized access to any portion of the website or its systems
• Use automated means (bots, scrapers) to access or collect data from the website
• Interfere with or disrupt the website or its hosting infrastructure

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of LoanTree LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

7. Third-Party Links

This website may contain links to third-party websites or services. These links are provided for your convenience only. LoanTree LLC does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access third-party websites at your own risk.

8. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. LoanTree LLC makes no warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, LoanTree LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of this website shall not exceed the amount you paid to us, if any, for accessing the website.

10. Indemnification

You agree to indemnify and hold harmless LoanTree LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of this website or your violation of these Terms of Use.

11. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Douglas County, Colorado.

12. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective when posted on this page with an updated "Last Updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

13. Contact Us

If you have questions about these Terms of Use, please contact us: