Disclaimers/Legal

www.SmarterBorrowing.com is Everything Mortgage Banking

Brian Cavanaugh NMLS #441864

For information purposes only and is not a commitment to lend as defined by Regulation Z, Section 226.2. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation level, acceptable appraisal, and market conditions. Residential Mortgage Services, Inc. is a Maine Corporation headquartered at 24 Christopher Toppi Drive, South Portland, ME 04106. NMLS ID# 1760; ME License No. SLM2537; Licensed by the New Hampshire Banking Department, NH License No. 8816-MB; MA Lending License No. MC1760; MA Broker License No. MC1760; CT License No. 14352; RI License No. 20092626LL; NY Mortgage Banker License No. B500942; FL License No. MLD232

  • The content provided on this website is presented or compiled for your convenience by me and is provided for informational purposes only. The opinions are my own and do not necessarily reflect the views of any past, present or future employer.  If you or anyone else chooses to act based on the information or opinions found here, it is on you and/or them. I do not assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represent that its use would not infringe privately owned rights.
  • The information provided on this website should not be construed as offering legal, financial or other advice to be relied on by the reader to make or refrain from making any decision or to take any action. The investment, mortgage or financial services or strategies mentioned in and throughout this website may not be suitable for you.
  • I am not promoting myself on this website as a provider of any legal, financial or other advice. I cannot and do not make any recommendations or endorsements of the views, services, strategies, products or any other material that may appear on this website, whether my own or that which is submitted by third parties. This website is not intended to offer any advice regarding the nature, potential value or suitability of any security, financial product, strategy or service or mortgage strategy, product or service. Anyone who would make a decision solely based on information from a website – any website – is an idiot. I urge you to obtain professional advice before proceeding with any investment or financial decision.
  • The documents on this web site contain hypertext pointers to information created and maintained by other public and private organizations. Please be aware that I do not control or guarantee the accuracy, relevance, timeliness, or completeness of this outside information. Further, the inclusion of pointers to particular items in hypertext is not intended to reflect their importance, nor is it intended to endorse any views expressed or products or services offered by the author of the reference or the organization operating the server on which the reference is maintained. Translation? I disclaim all liability for the content of any third party websites.
  • I make no warranties about the accuracy or completeness of any information contained on this web site. Legalese alert: I hereby disclaim all liability for any loss, damage or other injury resulting from the use of this website, for any investment decisions made on the basis of information on this website, and for any damages or losses whatsoever, arising out of, or in any way related to, the use of this site and any other site linked to this site. Nothing on this website constitutes or is intended to constitute an offer of, or an invitation to purchase or subscribe to any security.

bc@SmarterBorrowing.com    617.771.5021