Terms for using this site

Last updated: October 31, 2026

General information only

This website is for general information and is not a commitment to lend, an offer of credit, or a rate quote. All loans are subject to credit approval and program guidelines. Information about loan programs, including down payment assistance, is general. Eligibility and availability vary by program, location and borrower.

No advice

Nothing on this site is legal, tax or financial advice. The quiz and checklists are educational and do not constitute a pre-approval, offer or decision.

Your use of the site

You agree to use this site lawfully and not to attempt to disrupt it. Content is owned by Stone Merton or used with permission. Third-party links, including the online application and scheduler, are provided for convenience and governed by their own terms.

Accuracy

I try to keep information accurate and current, but guidelines change frequently and I can’t guarantee that everything is complete or up to date.

Limitation of liability

To the fullest extent allowed by law, this site is provided “as is” and I’m not liable for damages arising from its use.

Sponsoring company

Stone Merton, NMLS #2575665, is sponsored by Anchor Home Mortgage, Inc., Company NMLS #169063.

Contact

smerton@theanchorteam.com · (904) 844-1148