Financial & Real Estate Disclaimer

This Disclaimer applies to all tools, calculators, estimates, projections, and content provided through the Client Connect mobile application and the website myrealtyca.com, published by:

My Realty Company, Inc.
California Department of Real Estate (DRE) License #02161424
Nationwide Multistate Licensing System (NMLS) #2263210
Bakersfield, California (Kern County)
Email: info@myrealtyca.com

Affiliated Company:
My Mortgage Company, Inc. · DRE #02168831 · NMLS #2269164

Licensed Agent:
Omar L. Ortiz · DRE #02056548 · NMLS #951384

The calculators and estimation tools within Client Connect — including the mortgage payment calculator, affordability/buying power calculator, fix-and-flip investment calculator, buyer closing cost estimator, seller net sheet estimator, and home value estimator — produce results that are estimates only. These estimates:

• Are based on general mathematical formulas and the inputs provided by the user
• Assume simplified scenarios that may not reflect your actual transaction
• Do not account for all variables that affect real-world mortgage payments, closing costs, investment returns, or home values
• Are not tailored to your individual financial situation, credit history, employment, or property type
• May differ materially from actual figures you receive from a lender, title company, escrow officer, appraiser, or other licensed professional

The outputs of any calculator in Client Connect do not constitute:

• A Loan Estimate as defined by the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), or Regulation Z
• A Good Faith Estimate or any other federally or state-regulated mortgage disclosure
• A pre-approval, pre-qualification, or commitment to lend of any kind by My Realty Company, Inc., My Mortgage Company, Inc., or any affiliated or third-party lender
• A guarantee of any particular interest rate, loan program, annual percentage rate (APR), loan amount, or loan availability
• An offer or solicitation to make a loan

Official loan disclosures — including a Loan Estimate and Closing Disclosure — will be provided by a licensed loan officer through the proper application process, subject to full underwriting, credit review, property appraisal, and lender approval. Actual loan terms will be set forth in official loan documents.

Nothing in Client Connect constitutes financial advice, investment advice, tax advice, or legal advice. The App is designed to provide general educational information about real estate and mortgage concepts.

The fix-and-flip investment calculator and any return-on-investment estimates are for illustrative purposes only. Real estate investment involves significant risk, including the possible loss of your entire investment. Past performance of any market, neighborhood, or investment strategy does not guarantee future results.

Before making any financial or real estate decision, you should consult with:

• A licensed loan officer or mortgage broker for official mortgage figures
• A licensed real estate agent or broker for property-specific guidance
• A Certified Public Accountant (CPA) or tax advisor for tax implications
• A licensed real estate attorney for legal matters
• A licensed real estate appraiser for an official property valuation

Calculator results are based on generalized assumptions that may not apply to your specific situation. Common assumptions that may differ from your actual transaction include, but are not limited to:

• Fixed interest rates (actual rates vary by lender, credit score, loan type, and market conditions)
• Standard loan-to-value ratios and down payment amounts
• Estimated property tax rates based on general Kern County averages
• Estimated homeowner's insurance premiums
• Estimated closing cost percentages (actual costs vary by transaction, lender, and service providers)
• Estimated HOA fees (if any)
• Estimated rehab costs and after-repair values for fix-and-flip calculations
• Estimated market appreciation rates

Actual costs, taxes, insurance premiums, and fees will vary. All estimates should be verified with licensed professionals before proceeding with any transaction.

The home value estimator provides a general range estimate based on publicly available market data and general formulas. It is not a formal appraisal and does not constitute an opinion of value by a licensed real estate appraiser.

Home values are influenced by numerous factors — including property condition, upgrades, exact location, school district, lot size, comparable sales, market conditions, and buyer demand — many of which cannot be accounted for in an automated estimate. For an accurate valuation, request a Comparative Market Analysis (CMA) from a licensed real estate agent or a formal appraisal from a licensed appraiser.

Real estate markets are local and constantly changing. Bakersfield and Kern County market conditions, home values, interest rates, closing costs, and investment returns referenced in educational content or used as default values in calculators may not reflect current market conditions at the time you use the App. Market data can become outdated quickly. Always obtain current market information from qualified local professionals.

Interest rates used in calculators are entered by the user or shown as default example rates. Default rates shown in the App are for illustration only and do not represent current market rates offered by any lender. Actual rates are determined by your credit profile, loan program, lender, and prevailing market conditions at the time of your application. Contact a licensed loan officer for current rate information.

The availability of any loan program, down payment assistance program, or financing option referenced in educational content within the App is not guaranteed. Loan programs and assistance programs change frequently and are subject to lender and program guidelines, income limits, credit requirements, and funding availability.

The App may reference or link to information from third-party sources (government agencies, real estate portals, county assessors, etc.). We do not warrant the accuracy, completeness, or timeliness of third-party information. Third-party links are provided for convenience only and do not constitute an endorsement.

My Realty Company, Inc. and its affiliated entities hold the following licenses, which can be verified through the California Department of Real Estate and the Nationwide Multistate Licensing System:

Verify California DRE licenses at dre.ca.gov. Verify NMLS records at nmlsconsumeraccess.org.

If you have questions about any calculation, estimate, or content within the App, we are happy to connect you with a licensed professional who can provide official figures and advice tailored to your situation.