Terms of Use

Last Updated: March 19, 2026

Contents

1. Acceptance of Terms
2. Description of Services
3. Eligibility
4. Permitted Use
5. Prohibited Conduct
6. Intellectual Property
7. Disclaimer of Warranties
8. Limitation of Liability
9. Indemnification
10. Third-Party Links & Services
11. Governing Law
12. Changes to These Terms
13. Contact Us

Welcome to Mortgages by Channing. These Terms of Use ("Terms") govern your access to and use of the website located at mortgagesbychanning.com (the "Site") and any related services provided by Mortgages by Channing ("we," "us," or "our"). Please read these Terms carefully before using our Site.

1. Acceptance of Terms

By accessing or using this Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all of these Terms, you must not use the Site. Your continued use of the Site following any updates to these Terms constitutes acceptance of those changes.

2. Description of Services

Mortgages by Channing is a mortgage brokerage that helps borrowers compare loan options across multiple lenders. Our Site provides educational mortgage content, rate comparison tools, pre-approval request forms, and other resources to assist homebuyers and homeowners in Louisiana and Florida.

Important: Information provided on this Site is for general informational and educational purposes only. It does not constitute a loan commitment, pre-approval, or guarantee of any specific rate, term, or loan product. All mortgage applications are subject to underwriting approval, credit verification, and applicable lending guidelines.

3. Eligibility

You must be at least 18 years of age to use this Site or submit any form requesting mortgage services. By using the Site, you represent that you meet this requirement and that all information you provide is accurate and complete.

4. Permitted Use

You may use this Site for lawful purposes related to learning about mortgage options, requesting quotes, applying for pre-approval, and contacting Mortgages by Channing. You agree to use the Site in accordance with all applicable local, state, and federal laws and regulations.

5. Prohibited Conduct

When using our Site, you agree not to:

• Submit false, misleading, or fraudulent information in any form or application
• Attempt to gain unauthorized access to any part of the Site, its servers, or any connected systems
• Use any automated system (bots, scrapers, crawlers) to access or extract content from the Site without written permission
• Interfere with or disrupt the Site's functionality or infrastructure
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site for commercial purposes without express written consent
• Transmit viruses, malware, or any other harmful code through the Site
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, videos, page designs, and software, is the property of Mortgages by Channing or its content providers and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from this Site without prior written permission from Mortgages by Channing. Limited personal, non-commercial use (such as printing a page for your own reference) is permitted.

7. Disclaimer of Warranties

This Site and all content, materials, and services provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. Mortgages by Channing disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or timeliness of any information on the Site, including mortgage rates, loan program details, or eligibility requirements, which are subject to change without notice.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Mortgages by Channing, its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site, including but not limited to damages for loss of profits, data, or other intangibles, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from or related to these Terms or your use of the Site shall not exceed the amount you paid to Mortgages by Channing (if any) during the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Mortgages by Channing and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Third-Party Links & Services

Our Site may contain links to third-party websites, services, or content that are not owned or controlled by Mortgages by Channing. We are not responsible for the content, privacy policies, or practices of any third-party sites. The inclusion of any link does not imply endorsement by Mortgages by Channing.

We encourage you to review the terms and privacy policies of any third-party site you visit through links on our Site.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Calcasieu Parish, Louisiana, and you consent to the personal jurisdiction of such courts.

12. Changes to These Terms

Mortgages by Channing reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Contact Us

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

Mortgages by Channing
Phone: 337-476-2623
Website: mortgagesbychanning.com
Email: channing@mortgagesbychanning.com