These Terms of Service ("Terms") govern your access to and use of mckenneyhomelending.com (the "Site") and any services provided through it. The Site is owned and operated by McKenney Home Lending, LLC, a Michigan limited liability company ("McKenney Home Lending," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you don't agree, don't use the Site.
1. Who We Are
McKenney Home Lending, LLC is a Michigan-licensed mortgage broker. We broker both first-mortgage loans (under the Mortgage Brokers, Lenders, and Servicers Licensing Act, Act 173 of 1987) and second-mortgage loans (under the Secondary Mortgage Loan Act, Act 125 of 1981). Our company NMLS unique identifier is #2497854. Our principal licensed mortgage loan originator is Robert Benjamin McKenney III, NMLS #23394. We are licensed by the Michigan Department of Insurance and Financial Services and are currently licensed to originate residential mortgage loans only in the State of Michigan.
You can verify our licensing at any time at www.nmlsconsumeraccess.org.
2. Eligibility
By using the Site, you represent that you are at least 18 years old and legally able to enter into contracts. If you're using the Site on behalf of an entity (for example, applying for a business-purpose loan as a real-estate investor), you represent that you have authority to bind that entity.
3. Informational Purpose Only — Not a Commitment to Lend
Everything on this Site — including loan program descriptions, calculator outputs, educational content, sample scenarios, the Refi Watchlist, and any other tools or materials — is provided for general informational and educational purposes only. Nothing on this Site:
- Constitutes an offer or commitment to lend
- Constitutes a rate lock or guarantee of any interest rate, fee, or loan term
- Constitutes a pre-approval, pre-qualification, or any other representation about your ability to qualify for a loan
- Constitutes legal, tax, accounting, or financial advice
All mortgage loans are subject to formal application, credit underwriting, property appraisal, title review, income and asset verification, and investor approval. Approval and final loan terms depend on your complete financial profile and the specific property being financed. Rates, programs, fees, and loan terms are subject to change without notice. Not all applicants will qualify for all programs. Minimum credit score, income, debt-to-income, down payment, loan-to-value, and other requirements vary by program and investor.
4. Calculators and Estimation Tools
The calculators on this Site (including but not limited to the Affordability, Purchase, Refinance, Rent vs. Buy, VA, DSCR, and Fix & Flip calculators) produce estimates based on the inputs you provide. They use general formulas and assumptions. Actual loan payments, closing costs, taxes, insurance, mortgage insurance, and other figures will vary based on your complete application, current market rates, property specifics, investor guidelines, and other factors.
Do not rely on any calculator output as a basis for an offer to purchase a home, a decision to refinance, or any other financial commitment. Use the tools to learn; use a written quote from us for actual numbers.
5. Rate Quotes and the Refi Watchlist
Any rate figure quoted on this Site, in a personalized watchlist alert, in an email, or in any other communication is illustrative and non-binding unless it is (a) provided in a Loan Estimate or other formal disclosure that conforms to federal TILA-RESPA Integrated Disclosure (TRID) requirements, and (b) explicitly identified as a rate lock. No offer to lend, and no rate lock, exists until a fully executed rate-lock agreement is in place.
If you sign up for the Refi Watchlist or any similar alert, you acknowledge that (i) we use wholesale pricing indications and your self-reported loan profile to generate alerts, (ii) market rates move continuously and the rate referenced in any alert may no longer be available by the time you reach out, and (iii) an alert is not a guarantee that you qualify for the referenced rate or program.
6. Acceptable Use
You agree not to use the Site to:
- Violate any applicable federal, state, or local law or regulation
- Submit false, misleading, or fraudulent information on any form
- Impersonate another person or misrepresent your affiliation with any person or entity
- Interfere with or disrupt the Site, its servers, or any connected networks
- Attempt to gain unauthorized access to any portion of the Site, its underlying systems, or the accounts of other users
- Use any automated system, bot, scraper, or crawler to access the Site or harvest information from it, except for well-behaved public search-engine indexing
- Reproduce, distribute, modify, or create derivative works from content on the Site except as permitted in Section 7
- Use the Site to transmit viruses, malware, or any other harmful code
7. Intellectual Property
All content on the Site — including text, graphics, logos, images, videos, software, calculator logic, newsletter content, layout, and design — is the property of McKenney Home Lending, LLC or its licensors, and is protected by United States and international copyright, trademark, and other intellectual-property laws.
"McKenney Home Lending," the McKenney Home Lending logo, "The McKenney Minute," and related trade dress are trademarks of McKenney Home Lending, LLC. You may not use our trademarks without our prior written consent.
You may view, download, and print pages from the Site for your own personal, non-commercial reference. Any other use — including copying any substantial portion of the Site, republishing content on another website, or using our content in a competing product or marketing material — requires our prior written permission.
8. Real Estate Partner Content
If you are a licensed real-estate agent or broker and McKenney Home Lending provides you with co-branded marketing materials, quote sheets, calculator links, or similar assets, you may use those materials in accordance with our co-branding guidelines and applicable RESPA rules. Co-branded materials remain subject to these Terms and any separate written agreement between us. Do not alter our logo, NMLS disclosures, or compliance language.
9. Third-Party Websites and Services
The Site may contain links to or embed third-party tools (for example, NMLS Consumer Access, our online loan application portal at my1003app.com, our scheduling tool, and our CRM-hosted forms). We do not control third-party sites or services and are not responsible for their content, accuracy, or privacy practices. Your use of third-party services is governed by their terms and privacy policies.
10. User Submissions
When you submit information through a form on the Site (such as contact details, financial information, or property information), you represent that the information is accurate and that you have the right to share it. You grant us a limited license to use that information for the purposes described in our Privacy Policy — primarily, to respond to your inquiry and, if applicable, to originate a mortgage loan for you.
You should never submit information through any form on this Site that you consider highly sensitive or confidential unless the form itself is designed to collect that type of information. Do not email us your Social Security number, full date of birth, or other sensitive information using unsecured email.
11. Equal Housing and Fair Lending
McKenney Home Lending, LLC is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
12. Disclaimers
The Site is provided "as is" and "as available." To the fullest extent permitted by law, McKenney Home Lending disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that calculator outputs, rate figures, or any other content on the Site is current or error-free.
Some jurisdictions do not allow the exclusion of certain warranties; to the extent an applicable law does not allow such exclusion, the exclusion may not apply to you.
13. Limitation of Liability
To the fullest extent permitted by law, McKenney Home Lending, LLC, its members, managers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of the Site, including but not limited to lost profits, lost business opportunities, loss of data, or damages resulting from reliance on any content or tool on the Site, even if we have been advised of the possibility of such damages.
In no event shall our aggregate liability to you for any claim arising out of or related to the Site exceed one hundred U.S. dollars ($100.00).
Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded.
14. Indemnification
You agree to indemnify and hold harmless McKenney Home Lending, LLC and its members, managers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach of these Terms; (b) your misuse of the Site; (c) your violation of any applicable law or the rights of any third party; or (d) any information you submit to us that is inaccurate, misleading, or unauthorized.
15. Governing Law and Venue
These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Oakland County, Michigan, and you consent to the personal jurisdiction and venue of those courts.
16. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be announced on the Site and, where feasible, communicated by email. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.
17. Termination
We may suspend or terminate your access to the Site at any time, for any reason, without notice. Sections 7 (Intellectual Property), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), 15 (Governing Law), and any other provisions that by their nature should survive, will survive termination.
18. Miscellaneous
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in full force and effect. Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later. These Terms, together with the Privacy Policy, the State Licensing disclosures, and any written agreement you sign with us in connection with a loan application, constitute the entire agreement between you and McKenney Home Lending regarding the Site.
19. Contact Us
Questions about these Terms? Contact us:
McKenney Home Lending, LLC
Attention: Robert McKenney
1911 Mystic Hills Drive
Milford, Michigan 48380
Office: (810) 819-8686 · Cell: (248) 491-8998
Email: rob@mckenneyhomelending.com
NMLS: Robert McKenney #23394 · McKenney Home Lending, LLC #2497854