Disclosures & Legal Information

Who I Am & How I Work

Carlos Palomino (NMLS #1227188) is a licensed mortgage broker in the states of Illinois and Indiana operating under Team USA Mortgage LLC (NMLS #9908). As a mortgage broker, I do not make loans — I work with multiple wholesale lenders to find the best available terms for your situation. This means I shop on your behalf rather than offering a single institution's products. Loan terms, rates, and programs are provided by third-party lenders and are subject to their approval and underwriting requirements.

Tools & Calculators Are for Education Only

All tools, calculators, and analyses on this website are for educational purposes only and do not constitute an offer to extend credit, a commitment to lend, or a guarantee of any specific terms. Rate and payment examples shown are simplified, hypothetical estimates based on national averages and user-provided inputs — they are not quotes, APRs, or guarantees of future results.

Actual loan terms will be based on a full application, verified financial information, current market pricing, and official disclosures provided by a licensed mortgage professional.

About the Rates Shown on This Site

Mortgage rates displayed on this site are weekly national averages sourced from the Freddie Mac Primary Mortgage Market Survey (PMMS). These are not rates being offered to you. Your actual rate will depend on your credit score, loan type, down payment, property type, loan amount, and other factors.

Rates change frequently and the rates shown may not be available at the time of application.

Equal Housing Commitment

We are committed to the letter and spirit of the federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate based on race, color, religion, national origin, sex, familial status, disability, marital status, age, receipt of public assistance, or any other characteristic protected by law. All applicants will be considered based on their qualifications and ability to repay.

How We Handle Your Information

Your information is collected solely for the purpose of providing you with a mortgage analysis and, if you choose, connecting you with lending services. We do not sell your personal information to third parties. Your data is stored securely using industry-standard encryption.

You may request deletion of your information at any time by contacting Carlos Palomino at carlos@mylendingadvisors.com. For full details, see our Privacy Policy.

License & Registration

You can verify the licensing status, history, and any complaints or disciplinary actions for Carlos Palomino or any mortgage professional through the NMLS Consumer Access database, a free public service of state financial regulators.

Independent Resources for Homebuyers

Before making any mortgage decision, explore these free, unbiased government and regulatory resources. They are independent of me and exist to protect you.

• Know Before You Owe

  CFPB — Consumer Financial Protection Bureau

  Official guide to understanding your Loan Estimate and Closing Disclosure forms — your key rights in any mortgage transaction.
• File a Complaint

  CFPB — Consumer Financial Protection Bureau

  If something goes wrong with your mortgage or lending experience, the CFPB will investigate and help resolve the issue.
• Free HUD Housing Counseling

  U.S. Department of Housing & Urban Development

  Find a HUD-approved housing counselor in Illinois for free, unbiased advice on buying a home, foreclosure prevention, and more.
• Illinois Mortgage Complaint Resources

  Illinois Attorney General

  File a complaint with the Illinois Attorney General regarding mortgage fraud, predatory lending, or other consumer protection concerns.
• Verify Any Loan Officer's License

  NMLS Consumer Access

  Look up licensing status, employment history, and public complaints for any mortgage professional in the country — including me.