Disclosures
Terms of use
The terms that govern your use of this website.
Last updated January 2026
Accepting these terms
Using this website means you accept these terms. If you do not accept them, please stop using the site.
Using the site
Use the site lawfully, and in a way that does not interfere with anyone else using it.
What the site is not
Everything here is information. None of it is an offer of credit or a commitment to lend. Every loan is subject to credit approval, underwriting guidelines, property review and program availability, and rates and terms change without notice.
The calculators and the illustrations
Every calculator on this site produces an estimate, and every rate, payment or APR figure shown anywhere on this site is an illustration used to explain how something works. Your actual figures depend on a full financial review, the property, and conditions on the day.
Intellectual property
Text, graphics, marks and code on this site belong to Evergreen Ridge Financial Group, LLC and are protected by copyright.
No warranty
The site is provided as it is, without warranty of any kind, to the fullest extent the law permits.
Governing law
These terms are governed by the laws of the State of Oregon, and any dispute will be heard in the courts of Multnomah County, Oregon.