eMORTGAGESHOP is a service that refers mortgage applicants to a network of Independently licensed mortgage bankers and does not directly provide loans or lending services. Results and loan qualification may vary based on individual circumstances. Some restrictions and conditions apply. Noncompliance with these terms and conditions will result in a different mortgage loan rate and/or program. No information provided is a commitment to lend, turn times are subject to change, and all programs are subject to approval.