Terms of Use

By using this website you agree to these terms. If you do not agree, please do not use the site.

No offer of credit

Nothing on this website is an offer or commitment to lend, an offer to enter into an interest rate lock agreement, or a guarantee of any rate, term, fee, or approval. All loans are subject to credit approval, income and asset verification, property appraisal, and satisfaction of all applicable program guidelines and lender requirements.

Rates and payment examples

Rates, APRs, and payment examples shown anywhere on this site are illustrations based on stated assumptions. They change daily and often intraday. Your actual rate depends on credit score, loan-to-value, occupancy, property type, loan amount, lock period, and program. Payment examples generally exclude property taxes, homeowners insurance, and mortgage insurance unless expressly stated, so your actual monthly obligation will be higher.

Calculators and tools

The calculators on this site are estimation tools for general planning. Their results are not quotes and carry no guarantee of accuracy for your circumstances. Verify any number that matters with a licensed loan officer.

Broker relationship

Northgate Mortgage Partners is a licensed mortgage broker, NMLS #2287514. We arrange but do not make loans and do not make credit decisions. Loans are funded by third-party wholesale lenders under their own guidelines. Broker compensation is disclosed on your Loan Estimate.

Third-party links

Links to third-party sites, including NMLS Consumer Access, are provided for convenience. We do not control and are not responsible for their content, availability, or privacy practices.

Intellectual property

Site content, design, and code are protected by copyright. On a production engagement, full ownership of the delivered site, its content, and its assets transfers to the client on final payment.

Limitation of liability

The site is provided “as is” without warranties of any kind. To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Oklahoma, without regard to conflict of law principles.