Terms and Conditions

Last Updated: November 2025

Welcome to BestAlabamaMortgageRates.com (“the Website”).
This Website is created and operated by Aaron Rose, Senior Loan Officer with Valley Lending, NMLS 2750071. Valley Lending is a licensed mortgage brokerage, NMLS 2636235.

By accessing or using this Website, you agree to the following Terms & Conditions.
If you do not agree with these terms, please discontinue use immediately.

1. Independent Website Ownership

BestAlabamaMortgageRates.com is an independently operated informational website created by Aaron Rose, who is licensed under Valley Lending to originate mortgage loans.

This Website is not owned, managed, or operated by any specific lender, nor does it represent any lender’s official website.
All mortgage applications are processed through Valley Lending, and all lending decisions are made by the individual lenders within Valley Lending’s network.

2. Not a Guarantee of “Best” or Lowest Interest Rates

The name “Best Alabama Mortgage Rates” is a brand name and informational descriptor, not a literal guarantee.

This Website does not promise, guarantee, or imply that users will receive:

The lowest interest rate available
The “best” rate in Alabama
The best pricing among all lenders or marketplaces

Rates are determined by:

Borrower credit qualifications
Loan type
Market conditions
Individual lender pricing
Property type
Underwriting findings

This Website provides general market information, not personalized APR guarantees.

3. Purpose of the Website

BestAlabamaMortgageRates.com serves two primary functions:

(A) Educational Resource

To help consumers:

Learn about loan programs
Understand mortgage terminology
View market-average interest rate data from third-party sources
Compare loan categories available in Alabama

(B) Lead Generation Platform

When a visitor completes a contact form, subscribes, or uses “Apply Now,” their information may be shared securely with Aaron Rose and Valley Lending for the purpose of:

Mortgage prequalification
Loan consultation
Loan processing
Follow-up communication

No consumer is charged any fee for accessing this Website.

4. Mortgage Origination Compensation

Aaron Rose is compensated only when a borrower completes a mortgage closing, in accordance with:

TILA (Truth in Lending Act)
RESPA (Real Estate Settlement Procedures Act)
Loan Originator Compensation Rule (LO Comp Rule)
State and Federal lending regulations

Aaron Rose does not receive:

Compensation for steering consumers to specific lenders
Referral fees for recommending a real estate agent
Compensation tied to loan terms or interest rate increases

Loan Originator Compensation is standardized and does not vary based on the lender chosen within Valley Lending’s network.

5. Lender Network Disclosure

Valley Lending works with a wide network of mortgage lenders. Not all loan products are available through every lender.

Important:

Not all lenders participate in all loan programs (FHA, VA, USDA, DSCR, Jumbo, HELOC, etc.).
Loan availability varies based on borrower qualifications and lender underwriting guidelines.
Valley Lending does not guarantee approval from any specific lender.

6. No Lender Affiliation or Endorsement

References to lenders, logos, or rate-comparison tools on this Website do not constitute endorsement or affiliation unless explicitly stated.

Third-party rate widgets (e.g., Bankrate, Mortgage News Daily) reflect national average data, not personalized loan pricing.

7. No Professional Advice

All content on this Website is for general educational purposes only.
Nothing on the Website should be interpreted as:

Legal advice
Financial advice
Tax advice
Guaranteed loan terms

For personalized mortgage information, users must complete an application through Valley Lending, get in contact with Aaron Rose directly, or speak with a licensed Mortgage Loan Originator (MLO)

8. Accuracy of Information

While every effort is made to ensure accuracy, this Website does not guarantee:

Real-time interest rate accuracy
Loan availability
Eligibility
Approval
Market predictions

Mortgage rates change daily — sometimes hourly.

9. Privacy & Data Handling

By using this Website, you consent to the collection and secure storage of your information for the purpose of mortgage origination.
Data may be used by:

Aaron Rose
Valley Lending
Authorized lender partners

Your information is never sold or shared with any third party not involved in the mortgage process.

For complete privacy details, see the Privacy Policy here, or through the link at the bottom of this webpage.

10. Equal Housing Opportunity

Valley Lending and Aaron Rose comply fully with:

The Fair Housing Act
Equal Credit Opportunity Act (ECOA)
All federal and state nondiscrimination laws

No borrower is denied based on:
Race, color, religion, national origin, sex, marital status, familial status, disability, sexual orientation, age, or public assistance income.

11. “Apply Now” & Prequalification Limitations

Submitting an application does not guarantee approval.
Pre-approval is dependent on:

Verified income
Assets
Credit review
Underwriting conditions
Lender guidelines

Loan terms can change if financial conditions change.

12. Contact Information

Aaron Rose
Senior Loan Officer – Valley Lending
NMLS# 2750071
Company NMLS# 2636235
📞 (251) 238-7553
📧 aaron@valleylending.com
📍 Mobile, AL 36604

13. Acceptance of These Terms

By using BestAlabamaMortgageRates.com, you acknowledge that:

You understand the educational purpose of the Website
You understand no promises of “best rates” are being made
You agree to these Terms & Conditions

If you disagree, discontinue use immediately.