Terms & Conditions
Last Updated: June 2026
Welcome to Non-QM Gold. By accessing or using this website, training materials, calculators, downloads, and related resources, you agree to the following Terms and Conditions.
Educational Purposes Only
The information provided through Non-QM Gold is intended for educational and informational purposes only. The content is designed to help mortgage professionals better understand Non-QM lending concepts, qualification strategies, and borrower scenarios.
Nothing contained within this website, training, calculators, downloads, or communications constitutes legal advice, tax advice, financial advice, underwriting approval, lending approval, or a guarantee of loan eligibility.
Users are responsible for independently verifying all lender guidelines, program requirements, underwriting criteria, rates, and overlays before originating or submitting any loan.
No Guarantee of Results
Mortgage programs, guidelines, lender requirements, and market conditions change frequently. Non-QM Gold makes no representations or warranties regarding loan approvals, underwriting decisions, loan performance, funding outcomes, or business results.
Past examples, case studies, and scenarios are provided for educational purposes only and should not be interpreted as guarantees of future outcomes.
Intellectual Property
All content on this website, including training materials, calculators, downloads, graphics, branding, text, videos, reference guides, and other materials, is the property of Erik Frandsen and Non-QM Gold unless otherwise noted.
Content may not be copied, reproduced, distributed, modified, sold, or republished without prior written permission.
Deal Review Requests
Any feedback provided through Deal Review Requests is educational in nature and should not be considered an underwriting decision, lending commitment, or approval. Final eligibility and loan decisions remain subject to lender review and current program guidelines.
Limitation of Liability
To the fullest extent permitted by law, Non-QM Gold, Erik Frandsen, and affiliated parties shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website, training materials, calculators, downloads, or related resources.
Changes to These Terms
Non-QM Gold reserves the right to modify these Terms and Conditions at any time. Continued use of the website constitutes acceptance of any updated terms.
Contact Information
Questions regarding these Terms and Conditions may be directed to:
Erik Frandsen
Nonqmgold.com