Terms of Use
Last updated: July 2026
Educational purpose
This website provides general educational information about construction financing. It is not a loan application, a commitment to lend, an offer of credit, or financial advice. Program details, rates, and qualification requirements vary by lender and change over time — always confirm current terms with a licensed loan officer. All loans are subject to credit approval, appraisal, and program guidelines. This site is not affiliated with, or operated by, any government agency.
No application, no commitment
Using this site — including completing the roadmap wizard — is not a loan application, does not trigger a credit inquiry, and creates no obligation for you or any lender. Any loan you pursue will involve a separate application, disclosures, underwriting, and approval process with a licensed lender.
Accuracy
Program guidelines, limits, and qualification standards change frequently and vary by lender and state. We work to keep content current, but nothing here is a guarantee of availability or terms. The roadmap generated by the wizard is a preliminary educational estimate based solely on your self-reported answers.
Ownership & operation
This site is an independent educational resource featuring Emil Izrailov, NMLS #132173, Mortgage Loan Officer & Sales Manager with Lake Michigan Credit Union. It is not operated or endorsed by Lake Michigan Credit Union or any government agency. Verify any originator's licensing at nmlsconsumeraccess.org.
Acceptable use
You agree not to submit false information, probe or disrupt the site's operation, or use its content in a misleading way. Content on sandbox.magnumappus.com may not be republished without permission.