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The information contained in this web site does not constitute legal advice. We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked to this web site and its associated sites. The law changes very rapidly and, accordingly, we do not guarantee that any information on this web site or our affiliated web sites are accurate and up to date. Additionally, the law differs from jurisdiction to jurisdiction, and is subject to interpretation of courts located in each county and state. Legal advice must be tailored to the specific circumstances of each case and the tools and information provided to you may not be an appropriate fit in your case. Nothing that you read or is provided on this web site should be used as a substitute for the advice of competent legal counsel.Postings in the Forums, Message Boards, Guides and any other areas of and through our web site are for educational and information purposes only. They are not legal advice or legal opinions. The opinions expressed in the postings may be opinions of the authors and do not reflect the opinions of The Home Loan Academy, its employees or agents. The seals, trademarks, or other advertising that may appear on our site or within our articles shall not be considered to create any sponsorship or affiliation with such other web site or author. The Home Loan Academy, its employees, agents, or others that provide information on or through this web site will not be liable or responsible to you for any claim, loss, injury, liability, or damages related to your use of this site or any site linked to this site.