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LowRatesShop.com is not acting as a lender or a broker ("Service Provider"). The information provided by you to LowRatesShop.com is not an application for a mortgage loan nor is it used to pre-qualify you with any lender. Leading Service Providers, who participate in our matching engine, may have loan products available matching the criteria you submit via our forms. If you are contacted by Service Providers, advertising within our partner network, your quoted rate may be higher, depending on your property location, credit score, debt-to-income ratio, loan-to-value ratio, and other factors. LowRatesShop.com does not guarantee that the rates or terms offered and made available by participating Service Providers are the lowest rates available in the market or the best terms available; not all Service Providers in our network offer the products that we advertise. Completing our forms does not obligate you to purchase a service or product from the providers, nor does it obligate a provider to offer to you any particular service about which you may have inquired. Available rates and terms are subject to change daily without notice.