Terms of Use

Acceptance of Terms

By accessing and using helocloancalculator.net ("the Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

Purpose of the Site

This website provides an educational HELOC (Home Equity Line of Credit) calculator and informational content about home equity lending. It is operated by Chris Henwood, Senior Loan Officer at Northpointe Bank (NMLS #1280900).

Not a Commitment to Lend

The calculator results, estimates, and information provided on this Site are for informational purposes only and do not constitute:

• A loan application
• A pre-approval or pre-qualification
• A commitment or offer to lend
• Financial, legal, or tax advice

All loan products are subject to credit approval, property appraisal, income verification, and underwriting guidelines. Actual terms, rates, and availability may vary.

Accuracy of Information

While we strive to keep information current and accurate, we make no warranties or representations about the completeness, accuracy, or reliability of any content on this Site. Calculator estimates are based on user-provided inputs and general lending guidelines — actual results may differ.

User Responsibilities

By submitting information through the calculator or contact forms, you:

• Confirm that the information you provide is truthful and accurate to the best of your knowledge
• Consent to being contacted by Chris Henwood and/or Northpointe Bank regarding your inquiry
• Acknowledge that submission does not create a lender-borrower relationship

Intellectual Property

All content, design, text, graphics, and code on this Site are the property of helocloancalculator.net and may not be reproduced, distributed, or used without prior written permission.

Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of external sites.

Limitation of Liability

To the fullest extent permitted by law, helocloancalculator.net, Chris Henwood, and Northpointe Bank shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of or inability to use this Site.

Governing Law

These Terms shall be governed by the laws of the State of New Jersey without regard to conflict of law principles.

Changes to Terms

We reserve the right to update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact

Questions about these Terms? Contact:
Chris Henwood | NMLS #1280900
Northpointe Bank
chris.henwood@northpointe.com | 908-797-4269