Terms of Use

Last updated: August 18, 2026

1. Informational Purposes Only

The content on this website is provided for general informational and educational purposes about home financing. It is not financial, legal, or tax advice, and it does not account for your individual circumstances. You should confirm any details that matter to your decision directly with us before acting on them.

2. No Guarantee of Rates, Terms, or Approval

Any rates, payments, or loan scenarios shown are illustrations only, may not reflect current market pricing, and depend on factors including your credit profile, loan amount, property type, occupancy, and down payment. Your actual rate and terms will be provided in official disclosures after you apply. We do not guarantee approval, a specific rate, a specific closing timeline, or any particular outcome.

3. Mortgage Calculators & Tools

Any calculators or estimating tools on this site are for general illustration only. Their results are estimates, may not include taxes, insurance, or other costs, and should not be relied on as an offer or a Loan Estimate. Contact us for figures specific to your situation.

4. Licensing & Equal Housing

Adam Zeman is a licensed mortgage loan officer, NMLS #870441, originating loans through Edge Home Finance, LLC, NMLS #891464. We conduct business in accordance with federal fair lending laws, including the Fair Housing Act and the Equal Credit Opportunity Act. Equal Housing Opportunity.

You can verify licensing for Adam Zeman and Edge Home Finance, LLC at NMLS Consumer Access.

5. Third-Party Links & Content

This site may contain links to third-party websites and tools that we do not control. We provide them for convenience and do not endorse, and are not responsible for, their content, products, or privacy practices. Using them is at your own risk and subject to their terms.

6. Intellectual Property

The content on this website, including text, graphics, and layout, is owned by or licensed to us and is protected by applicable law. You may view and share it for personal, non-commercial use, but you may not copy, republish, or use it commercially without permission.

7. No Warranties

This website and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. We work to keep information current but do not warrant that it is error-free or up to date at all times.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or reliance on its content. Your decision to apply for a mortgage should be based on official disclosures and direct conversation with us, not on this website alone.

9. Communications Consent

By submitting a form or providing your contact information, you agree we may contact you by phone, text, or email about your inquiry and mortgage financing, as described in our Privacy Policy. Consent to receive marketing messages is not a condition of any loan or service, and you may opt out at any time.

10. Governing Law

These Terms are governed by the laws of the State of Wisconsin, without regard to its conflict-of-laws rules. Any dispute relating to this website will be handled in the state or federal courts located in Wisconsin.

11. Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted, and we will update the “Last updated” date above. Continued use of the site means you accept the current Terms.