Loanratepal.com is not acting as a lender or broker and does not make loans, loan commitments or lock-rates. The information provided by you to Loanratepal.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your financial situation, and/or other factors and criteria determined by the lenders to whom you are matched. Loanratepal.com does not offer its matching services in all states. Not all consumers will qualify for the advertised rates, programs and terms.