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**Disclaimer:
Sandra Mabel Guzman NMLS ID: 1779388; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); AZ BK# 0926494; Branch ID: 1747167; AZ-Loan Originator License; CA-CA-DFPI1779388, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; TN-1779388; 437 S Cataract Ave Unit 1-2, San Dimas, CA 91773-2973
The information contained in this electronic message and any attachments to this message are intended for the exclusive use of the addressee(s) and may contain proprietary, confidential, or privileged information. If you are not the intended recipient, you should not disseminate, distribute, or copy this e-mail. Please notify the sender immediately and destroy all copies of this message and any attachments.Educational Content – Not Professional Advice**
This video serves as an educational resource and is not intended as a substitute for professional financial advice. I am not a loan officer, and the information provided is based solely on my personal experience accumulated over 20-plus years in the industry.**1. Nature of Information:** The content presented in this video is intended for educational purposes only. It reflects my individual insights, opinions, and experiences in the field, and it is not a comprehensive guide to financial matters. It is crucial to recognize that the financial landscape is dynamic, and regulations may change over time.**2. No Professional Relationship:**Viewers should be aware that watching this video does not establish a professional relationship between the creator and the audience. The information shared does not constitute a personalized consultation or analysis of any specific financial situation.**3. Consultation with Professionals:**Individuals seeking financial advice or considering specific financial actions should consult with qualified professionals, such as licensed loan officers, financial advisors, or legal experts. Every financial situation is unique, and tailored advice is essential to making informed decisions.**4. Limitations of Expertise:**I emphasize that while I bring substantial experience to the discussion, I do not hold the professional qualifications of a loan officer. My insights are subjective and may not cover all aspects of relevant financial topics. Viewers are encouraged to validate any information presented and seek multiple perspectives.
**5. Changes and Updates:**Given the evolving nature of financial markets and regulations, information provided in this video may become outdated. I am not responsible for updating content to reflect changes in laws, policies, or financial practices.**6. Assumption of Risk:**
Viewers should recognize and assume the risks associated with applying information from this video to their specific financial situations. Any actions taken based on the content are at the viewer's own discretion and risk.**7. No Endorsements:**Mention of specific products, services, or institutions in this video does not constitute an endorsement. It is essential for viewers to conduct their own research and due diligence before making financial decisions.**8. Release of Liability:**By accessing and viewing this video, viewers acknowledge and agree that I am not liable for any direct or indirect consequences resulting from the use or misuse of the information provided.**Conclusion:**In conclusion, this disclaimer aims to establish the educational nature of the content and emphasizes the importance of seeking professional advice. Viewers are encouraged to exercise due diligence and consult with qualified professionals before making financial decisions.
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