ClickGrub is not a lender, mortgage broker, or financial advisor. This is an educational consultation, not a loan application or loan offer, and is not affiliated with or endorsed by any government agency. ClickGrub provides educational marketing, content distribution, and appointment-setting services only and may receive a flat marketing or appointment fee for completed consultations, regardless of whether a loan is discussed, applied for, or issued. All loan terms, eligibility decisions, rates, and disclosures are determined solely by the licensed lender, who will provide required licensing and NMLS information during your consultation. Speaking with a licensed professional does not obligate you to apply for or obtain a loan. A gift is provided for attending the consultation regardless of outcome.