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This is a personal web site, reflecting the opinions of its author. Statements on this site do not represent the views or policies of anyone other than myself or the post author. The information on this site is provided for discussion and informational purposes only, and are not recommendations for mortgage financing. Nothing in this website shall be construed as an offer to enter into a loan agreement, purchase a home, or take any action whatsoever. Due to the nature of this website, typos, errors, and unintentional misstatements of facts may occur. In no event shall the publisher of this website and any affiliates be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this website, whether based on contract, tort, strict liability or otherwise.