Website Terms of Use

Welcome to www.paulbmortgage.com.

This website provides mortgage-related information and opportunities to contact Paul Blanchard, Senior Loan Officer with Harbour Mortgage Group LLC.

By accessing or using this website, you agree to these Terms of Use and acknowledge our Privacy Policy.

If you do not agree with these Terms, please discontinue use of the website.

The information provided on this website is intended for general educational and informational purposes.

The website describes mortgage programs, financing concepts, loan scenarios, homeownership considerations, and potential lending solutions.

Website content does not constitute individualized financial, legal, tax, or investment advice.

Consumers should consult appropriately qualified professionals when making significant financial or legal decisions.

Information provided on this website does not constitute a commitment to lend, mortgage approval, loan preapproval, or guarantee of financing.

All mortgage programs are subject to applicable lender guidelines, credit approval, property eligibility, underwriting requirements, and program availability.

Loan terms, interest rates, fees, down payment requirements, and qualification criteria may change without notice.

Not all applicants will qualify for every advertised program.

Any financing terms offered to a borrower will be subject to the applicable loan application, underwriting process, and required disclosures.

Harbour Mortgage Group LLC works with mortgage lenders offering a variety of residential and investment-property financing solutions.

Programs discussed on this website may include conventional loans, FHA financing, refinancing, home equity loans, home equity lines of credit, doctor mortgage programs, DSCR investor loans, and alternative documentation programs.

Availability and eligibility vary by lender, borrower qualifications, loan purpose, property type, geographic location, and applicable law.

References to particular program features, including reduced down payments, financing percentages, alternative income documentation, or mortgage insurance requirements, are general descriptions rather than guaranteed terms.

Any mortgage calculator, payment estimate, loan comparison, or financing example provided on this website is for illustrative and educational purposes only.

Calculations may use assumptions or estimates concerning interest rates, loan terms, property taxes, homeowners insurance, or other costs.

Estimated monthly payments may exclude mortgage insurance, homeowners association fees, flood insurance, special assessments, closing costs, or other expenses.

Actual rates, payments, fees, and qualification outcomes may differ materially from website estimates.

Calculator results are not loan offers, rate locks, approvals, or official Loan Estimates.

Please contact Paul Blanchard for information regarding your specific financing circumstances.

When submitting an inquiry, you agree to provide information that is accurate to the best of your knowledge.

You should not provide Social Security numbers, bank account credentials, passwords, or other highly sensitive information through general contact forms.

Submitting a contact form does not constitute a formal mortgage application, create a lender-borrower relationship, or obligate any party to proceed with a mortgage transaction.

A formal application may require additional information, disclosures, acknowledgments, and verification through approved systems.

By voluntarily contacting us, you authorize us to respond to your inquiry using the contact information you provide, subject to applicable law and any consent you grant.

Telephone, email, and text communications are governed by applicable consent requirements and communication preferences.

Consent to receive marketing or automated communications, when required, will be addressed separately through the appropriate contact or application process.

Your decision regarding optional marketing consent is not a condition of obtaining mortgage financing.

Message and data rates may apply to text messages.

This website may provide links to third-party websites or services, including NMLS Consumer Access, social media platforms, lending resources, and mortgage-related service providers.

Links are provided for convenience and informational purposes.

Unless expressly indicated otherwise, Harbour Mortgage Group LLC does not control or endorse independently operated third-party websites or guarantee the accuracy of their information.

Third-party sites may have different terms, privacy policies, and security practices.

Website text, graphics, design elements, logos, and other materials may be protected by applicable intellectual property laws.

Visitors may access and use website content for personal, lawful, noncommercial informational purposes.

You may not reproduce, redistribute, or commercially exploit protected website materials without appropriate permission, except as permitted by law.

Third-party trademarks, logos, and names remain the property of their respective owners.

Users agree not to:

• Submit knowingly false or misleading information
• Attempt unauthorized access to website systems
• Interfere with the operation or security of the website
• Use automated tools in a manner that disrupts site operation
• Upload harmful software or malicious code
• Use the website for unlawful, fraudulent, or abusive activity

We may restrict access or take appropriate action if website use threatens security or violates applicable law.

We make reasonable efforts to maintain accurate and useful website information.

However, mortgage programs, guidelines, and market conditions change, and website content may not always reflect the latest available information.

The website may also experience interruptions, maintenance periods, or technical errors.

To the extent permitted by applicable law, the website and its general informational content are provided without guarantees of uninterrupted availability or complete accuracy.

Nothing in these Terms limits rights or remedies that cannot legally be waived.

To the extent permitted by applicable law, Harbour Mortgage Group LLC and its representatives are not responsible for losses arising solely from reliance on general website estimates or informational content rather than individualized mortgage documentation and advice.

This provision does not exclude responsibility for conduct or liabilities that cannot legally be limited, including applicable statutory consumer protections.

Use of personal information submitted through this website is addressed in our Privacy Policy.

Please review the Privacy Policy to understand how personal information may be collected, used, disclosed, and protected.

Paul Blanchard provides mortgage origination services through Harbour Mortgage Group LLC, subject to applicable state licensing and lending requirements.

Mortgage services advertised on this website are intended for eligible transactions in jurisdictions where the appropriate licensing and program authorizations exist.

The availability of particular loan products may differ between Connecticut and Florida.

Harbour Mortgage Group LLC — NMLS #879493.

Additional individual and state licensing information is displayed on this website and may be independently reviewed through NMLS Consumer Access.

These Terms of Use may be revised periodically to reflect updates to website operations, applicable laws, and business practices.

Updated Terms will be posted on this page with a revised effective date.

Continued use of the website after changes take effect constitutes acceptance of the revised Terms to the extent permitted by law.

Paul Blanchard
Senior Loan Officer
Harbour Mortgage Group LLC

534 Boston Post Road
Guilford, CT 06437

Phone: (203) 204-4023
Email: pblanchard@hmglends.com
Website: www.paulbmortgage.com

Harbour Mortgage Group LLC — NMLS #879493

Equal Housing Lender

For licensing information, visit NMLS Consumer Access.