ALL RIGHTS RESERVED. No part of this report may be modified or altered in any form whatsoever, electronic, or mechanical, including photocopying, recording, or by any informational storage or retrieval system without express written, dated and signed permission from the author.

DISCLAIMER AND/OR LEGAL NOTICES: The information presented herein represents the view of the author as of the date of publication. Because of the rate with which conditions change, the author reserves the right to alter and update her opinion based on the new conditions. The course is for informational purposes only and is not intended to diagnose, counsel, or prescribe any medical or psychological condition or treatment of any sort in any way. This course is for entertainment purposes only. While every attempt has been made to verify the information provided in this course, neither the author nor his affiliates/partners assume any responsibility for errors, inaccuracies or omissions. Any slights of people or organizations are unintentional. If advice concerning legal or related matters is needed, the services of a fully qualified professional should be sought. This course is not intended for use as a source of legal, professional, medical, therapeutic, or accounting advice. You should be aware of any laws which govern business transactions or other business practices in your country and state. Any reference to any person or business whether living or dead is purely coincidental.

The views and opinions expressed in this course are those of the instructor and do not necessarily reflect any official Liberty Mortgage Lending Group Inc policy or position. Examples of analysis performed within the course content are only examples. They should not be utilized in real-world applications as they are based only on very limited and dated open-source information. Assumptions made within the analysis and examples are not reflective of the position of Liberty Mortgage Lending Group Inc. Nothing contained in this couse should be considered legal advice. Due to ongoing changes in the mortgage regulations and guidelines, and real-world considerations for all other areas, the information presented in these webinars, as well as the course materials downloaded as PDDF files, is time sensitive and subject to change without notice. This training is based solely for entertainment purposes.