Site Terms of Use

Last updated July 2026

This page governs use of themarchandteam.com and all of its content, tools, and calculators (the "Site"), operated by Brian Marchand, Sr. Loan Consultant, NMLS #481563, with New American Funding, LLC, NMLS #6606. This Site is separate from, and supplements, New American Funding's corporate Terms of Use, Privacy Policy, and licensing disclosures linked in the footer.

Ownership

All text, design, layout, graphics, original photography, and software on this Site — including but not limited to the Number Crunch mortgage calculator, the Docs document tools, the Special Situations guideline pages, and the town-and-program landing pages — are the original work of Brian Marchand and are protected by U.S. copyright law. "Number Crunch," "10 Don'ts," and other original names used on this Site are used as source-identifying marks of Brian Marchand's mortgage practice.

What you may do

• View, use, and share this Site for personal, non-commercial reference.
• Link to any page on this Site.
• Quote brief excerpts with clear attribution and a link back to the source page.

What you may not do

• Copy, reproduce, republish, or create a derivative site, tool, or calculator substantially similar in design, structure, or underlying code to any page on this Site, without prior written permission.
• Scrape, mirror, or systematically extract content from this Site for use on another website or commercial product.
• Remove or obscure copyright, attribution, or source-identifying marks from any content taken from this Site.
• Use any automated means to access, index, or reproduce this Site beyond standard search-engine crawling.

Enforcement

Unauthorized reproduction of this Site's content or tools may result in a formal cease-and-desist notice, a DMCA takedown request to the offending site's host, and other remedies available under applicable copyright and trademark law.

No commitment to lend

Nothing on this Site, including any calculator output, is a commitment to lend, a rate quote, or a guarantee of loan approval. Program availability, rates, and terms are subject to credit approval and may change without notice.

Contact

Questions about these terms, or requests for permitted use, can be sent via the Contact page.