Legal
Terms of Use
Last updated: September 2026
General information only
This website is provided by Raffi Kaloustian, Mortgage Agent Level 2 (License #M16000957) with Synergy Mortgage Group (Brokerage License #13172). Content on this site, including rate examples, calculator results, and general commentary, is for general information only and does not constitute mortgage, legal, tax or financial advice. Nothing on this site should be relied on as a substitute for a personalized consultation.
Rates, terms and the calculator
Any rates, payment estimates, or figures shown on this site, including the mortgage calculator, are illustrative examples only. They are not a quote, a rate hold, or a pre-approval, and are not guaranteed. Actual rates and terms depend on your individual application, credit profile, the property, and the lender's own criteria at the time you apply, and are subject to change without notice. All mortgages remain subject to standard qualifying criteria and lender approval.
No guarantee of financing
Submitting the contact form or speaking with Raffi does not guarantee that financing will be approved or available. Every application is assessed individually by the relevant lender.
Third-party links
This site links to third-party services, including Calendly for booking, and Instagram and LinkedIn for social content. Raffi Kaloustian and Synergy Mortgage Group are not responsible for the content, availability, or privacy practices of those third-party sites.
No warranty
This site is provided "as is" without warranties of any kind. While reasonable care is taken to keep information accurate and current, errors or omissions may occur (E&OE).
Contact
Questions about these terms can be sent to Raffi@synergymortgagegroup.com or 905-730-7916.