Business disclosures

Business & Website Disclosures

This page provides general business and website disclosures. Additional transaction-specific and state-specific disclosures may be provided as applicable.

Mortgage broker role

Trans States Mortgage is a broker, not the funding lender. We may present a scenario to one or more independent lenders or funding sources and may receive compensation from a lender, borrower, or another transaction participant as disclosed for the actual transaction. Each lender makes its own credit, property, eligibility, pricing, and funding decisions. The availability of a lender or program is not guaranteed.

No commitment or guarantee

Information on this site is educational and does not constitute a loan application, preapproval, approval, rate lock, loan estimate, commitment to lend, or guarantee of terms. Completing the initial property review does not obligate you to proceed. Loan options, eligibility, and terms vary by property, borrower, lender, market conditions, and transaction.

Program and property information

Programs, pricing, interest rates, leverage, credit standards, DSCR or other cash-flow calculations, reserves, documentation, appraisal requirements, property eligibility, seasoning, prepayment provisions, fees, and timing vary by lender and may change without notice. All information must be verified for the actual scenario. Examples and educational content are illustrative and are not program guidelines.

Investment-property focus

This website is intended for owners exploring financing secured by rental or investment property for business or investment purposes. It is not directed to primary-residence, first-time-homebuyer, or consumer-purpose mortgage transactions. A property’s intended use, occupancy, ownership, and transaction purpose must be confirmed during review.

Property values and cash flow

Estimated property value, rent, expenses, equity, debt service, and loan-to-value calculations supplied through the site are preliminary. Final values and qualifying calculations may depend on appraisals, leases, market-rent analysis, title, insurance, taxes, property condition, lender methodology, and verified documentation.

Third parties and professional advice

Trans States Mortgage may work with third-party lenders, appraisers, title or settlement providers, insurance providers, technology providers, and other transaction services. References or links do not constitute an endorsement or guarantee of a third party. This website does not provide legal, tax, accounting, real-estate, or investment advice. Consult qualified professionals about your circumstances.

Geographic availability

Services and programs are offered only where permitted and available. State, lender, property, and transaction requirements may affect whether Trans States Mortgage can assist with a particular scenario. Additional disclosures will be provided when applicable to a transaction.

Fair treatment

Trans States Mortgage supports fair and responsible access to financing and does not discriminate in violation of applicable law. Business-purpose and investment-property transactions remain subject to the laws and requirements applicable to the specific transaction.

Website content

We aim to keep website information useful and current, but do not warrant that every page is complete, error-free, or suitable for every situation. Content may be revised at any time. Privacy, communications consent, and transaction-specific disclosures are addressed in the site policies and may be supplemented as applicable.