Terms of Service
Last updated: August 18, 2026
These are the terms for using this website. By browsing this site or using the tools on it, you're agreeing to what's below. If any of it doesn't sit right with you, the simplest move is not to use the site — I'd still love to hear from you directly instead.
I'm Chezney Wosick, a mortgage loan originator (NMLS #2326451), affiliated with and sponsored by UMortgage LLC. Where these terms say "I," "me," or "my," it means Chezney Wosick operating this website under UMortgage LLC.
What This Site Is
This website shares information about my mortgage services — loan consultation, pre-approval guidance, calculators, and educational content. It's a starting point, not a loan application. Anything you submit through a form here (a calculator result, a rate quote request, a partner inquiry) is the beginning of a conversation, not a commitment from either of us. Actual loan terms, eligibility, and approval are always subject to underwriting, lender requirements, and applicable regulations.
Using This Site
When you use this site, I'd ask that you:
- Give accurate information when you fill out a form
- Use the site for its intended purpose — not to probe, scrape, or disrupt it
- Follow applicable laws in how you interact with the site
Calculators & Tools
The calculators on this site are meant to give you a useful estimate, not a guarantee. Real numbers depend on your specific financial picture, current rates, and lender underwriting — treat calculator output as a starting point for a conversation, not financial advice.
Content & Ownership
The text, design, and tools on this site are mine (or licensed for my use) and are here for your own personal, non-commercial use. Please don't republish or repurpose site content without asking first.
Third-Party Links
You may find links to outside websites here. Those sites have their own terms and privacy practices, and I'm not responsible for their content or how they handle your information.
No Guarantees
I do my best to keep the information on this site accurate and current, but rates, programs, and market conditions change — sometimes daily. Nothing on this site should be treated as a final quote, a commitment to lend, or personalized financial advice. To the fullest extent the law allows, I'm not liable for decisions made based solely on information from this website rather than a direct conversation with me.
Changes to These Terms
I may update these terms from time to time as my business or this website changes. The version posted here is always the current one, and continuing to use the site after an update means you're okay with the current version.
Questions?
If you have any questions about these terms, reach out:
Chezney WosickUMortgage LLC
100 N 18th Street, STE 1400
Philadelphia, PA 19103
Email: cwosick@umortgage.com
Phone: (843) 492-6480