The plain terms for using this site.
This website and its tools are provided for informational and educational use. Anything you see here is an estimate — not a loan approval and not a commitment to lend.
Last updated: April 2026
About The Mortgage Exchange Service, LLC
The Mortgage Exchange Service, LLC ("TMES") is a licensed mortgage broker. TMES arranges loans between qualified borrowers and licensed lenders; TMES does not lend money directly.
- Company NMLS: ID# 205178
- Virginia: Licensed by the Virginia State Corporation Commission as MC2538
- Maryland: Licensed in The State of Maryland, MB11493
You may verify any license on NMLS Consumer Access.
Estimates, not approvals
Every result produced by any tool on this website — including the TMES Mortgage Plan Builder, Payment Calculator, Cash-to-Close Estimator, DPA Matcher, Refinance Breakeven Tool, Loan Comparison, and all others — is a preliminary, illustrative estimate. It is not:
- A loan approval, pre-approval, or commitment to lend.
- An official underwriting decision.
- A guarantee of any rate, program, term, or closing cost.
Final eligibility, pricing, and terms depend on verified credit, income, assets, property, program guidelines, investor overlays, and lender approval. A licensed TMES advisor can walk through any tool's result with you and translate it into a real, verified path.
Rates and pricing
Where any tool shows an interest rate, it is illustrative only. Market rates change daily and pricing depends on many borrower-specific factors. We do not publish live rate quotes on this website.
Third-party information
State housing programs (for example, Virginia Housing and the Maryland Mortgage Program), federal loan programs (Conventional, FHA, VA, USDA), and investor overlays change periodically. TMES takes reasonable care to keep program descriptions accurate, but we do not guarantee that program descriptions on this site reflect the most current guidelines at every moment. Always confirm current eligibility with a licensed TMES advisor before applying.
Your use of this site
By using this site you agree to:
- Use the tools for your own lawful, personal informational purposes.
- Not attempt to scrape, reverse-engineer, or misuse the site or its content.
- Not upload any content that is unlawful, infringing, or harmful.
Forms and communication
When you submit a form or request a follow-up, you agree that TMES may contact you by phone, text, or email about your inquiry. You can opt out of non-essential communication at any time by replying "STOP" to a text, unsubscribing from an email, or contacting us directly.
Intellectual property
All content, branding, and software on this site are owned by TMES or licensed to TMES. Do not reproduce or republish without permission, except for personal reference or sharing a direct link.
No warranty; limitation of liability
This website and its tools are provided "as is." TMES does not warrant that every estimate will be perfectly accurate or that every outcome will match tool output. To the fullest extent permitted by law, TMES is not liable for indirect, incidental, or consequential damages arising from use of the site or reliance on estimates.
Equal Housing Opportunity
TMES is an Equal Housing Opportunity mortgage broker. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other protected class.
Changes to these terms
We may update these terms from time to time. Material changes will be noted with a new "Last updated" date.
Contact
The Mortgage Exchange Service, LLC
1934 Old Gallows Rd, Suite 350
Tysons, VA 22182
📞 (703) 255-5810
✉️ cnassief@tmes.com