Last updated: 12/2025

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1. Educational Purposes Only

All content, tools, calculators, guides, videos and materials provided on this website are for educational and informational purposes only.

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Nothing on this site should be considered:

Individualized financial advice

Mortgage, credit, tax or legal advice

A commitment to lend or a loan approval

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Any decisions you make based on this informaion are your responsibility.

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2. No Client Relationship Created

Use of this website does not create a lender-borrower relationship, a broker-client relationship or fiduciary relationship.

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Personalized advice is only provided through a separate direct consultation initiated by you and confirmed by written agreement.

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3. Accuracy of Information

The information provided is based on real world experience, industry knowledge and generally available educational sources. While efforts are made to keep content accurate and up to date, mortgage guidelines, rates and regulations change frequently.

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Valuable Lending™ makes no guarantees regarding accuracy, completeness or applicability to your personal situation.

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4. Independent Educational Brand

Valuable Lending™ is an independent education brand and not a mortgage lender.

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Mortgage services, when offered, are provided separately and are brokered under

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Discount Mortgage,

NMLS: 274209

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Sabrina Montalvo

Mortgage Loan Originator

NMLS ID: 575897

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5. Tools, Calculators & Examples

Any calculators, scenarios, examples or illustrations are hypothetical and intended to help explain concepts only. Results may vary and should not be relied upon as exact figures.

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6. Intellectual Property

All content on this site, including text, graphics, tools, branding and layout is the property of Valuable Lending™ unless otherwise stated

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You may not copy, reproduce, distribute or reuse content without written permission.

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7. External Links

This site may include links to third party websites. Valuable Lending™ is not responsible for the content, accuracy or privacy practices of those external sites.

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8. Limitation of Liability

Valuable Lending™ and its creator are not liable for any losses, damages or decisions resulting from the use of this website or its content.

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Use this site at your own discretion.

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9. Changes to These Terms

These Terms of Use may be updated at any time without notice. Continued use of the site constitutes acceptance of any changes.

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10. Contact

For questions regarding these Terms, please contact: sabrina@valuablelending.com

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This website is designed to help you think clearly, not pressure you into decisions.