# Terms of Use

**Effective Date:** January 1, 2026

Welcome to noboringmortgages.com.

By accessing or using this website, you agree to these Terms of Use.

## No Financial or Legal Advice

Information provided on this website is for informational purposes only.

Content should not be considered:

* Legal advice
* Tax advice
* Financial advice
* Credit advice

Consumers should consult appropriate professionals regarding their specific circumstances.

## No Commitment to Lend

Information on this website is not a commitment to lend.

All mortgage applications remain subject to:

* Credit approval
* Property approval
* Underwriting review
* Program availability
* Applicable lending guidelines

Loan programs, rates, fees, and terms may change without notice.

## Licensing Information

Penny Psencik
NMLS #111937

Sponsored by:

Crosspoint Financial Inc.
NMLS #56921

1128 Olde Cameron Lane
Franklin, TN 37067

## Equal Housing Opportunity

We support Equal Housing Opportunity.

All applicants will receive fair and equal consideration without regard to any protected characteristic under applicable federal, state, or local law.

## Intellectual Property

All website content, text, branding, logos, graphics, and materials are protected by applicable intellectual property laws.

Content may not be copied, reproduced, or distributed without written permission.

## Website Availability

We do not guarantee uninterrupted availability of this website.

Access may be suspended or interrupted for maintenance, updates, security issues, or technical failures.

## Third-Party Services

This website may contain links to third-party websites or services, including:

* Calendly
* Google
* Facebook/Meta
* LendingPad

We are not responsible for the content, policies, or practices of third-party providers.

## Limitation of Liability

To the fullest extent permitted by law, Penny Psencik and Crosspoint Financial Inc. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of this website.

## User Conduct

Users agree not to:

* Submit false information
* Interfere with website operations
* Attempt unauthorized access
* Violate applicable laws

## Governing Law

These Terms shall be governed by applicable federal law and the laws of the State of Tennessee.

## Contact Information

Penny Psencik
NMLS #111937

Crosspoint Financial Inc.
NMLS #56921

1128 Olde Cameron Lane
Franklin, TN 37067

Phone: 615-810-3988

## Changes to Terms

These Terms may be updated from time to time.

Continued use of this website constitutes acceptance of any updated Terms.