DISCLAIMER:

The information contained in this pamphlet is provided for general informational and educational purposes and is not, nor intended to be, legal, financial or tax advice. House Karma is not authorized to practice in front of the IRS and is not subject to IRS Circular 230. This information pamphlet is general in nature and may not apply to the specific circumstances of individual readers. No claims are made about the accuracy, timeliness or usefulness of the content contained on this pamphlet. The information contained in this pamphlet by House Karma is not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice.

Users of this pamphlet should seek specific guidance directly from a qualified legal, financial or tax professional. Nothing contained on or provided through this pamphlet is intended to be or is to be used as a substitute for professional advice. House Karma is not a lender, nor does it broker loans.

All loans are subject to approval of the purchasers credit by unaffiliated third-party lenders. House Karma has no control over credit approval or the terms of any offer to lender by any lender. Buyer must qualify for financing without regard to the loan program. This pamphlet is not an offer or solicitation to extend credit. Equal Housing Opportunity.