Terms
Terms and Conditions
The rules for using alignlending.com, and what the information on it does and does not mean for your mortgage.
- Effective October 14, 2026
- Nothing here is an offer to lend
- Licensed in six states
At a glance
The short version
We are a broker
Align Lending arranges mortgages with wholesale lenders. We do not lend our own money.
Information, not an offer
Nothing on this site is a loan approval, a rate commitment or an offer of credit.
Tools give estimates
Calculators show illustrations from the numbers you enter. Your Loan Estimate shows your actual terms.
Contact is your choice
If you send us your details, we may call, text or email about your inquiry. Reply STOP to stop texts.
Effective October 14, 2026
On this page
- Using this site
- Who we are
- Not an offer to lend
- Calculators and tools
- Guides, glossary and research
- Applications and other services
- Calls, texts and email
- Using the site properly
- Our content
- Links to other websites
- Disclaimers
- Limits on liability
- Equal Housing Opportunity
- Governing law and disputes
- Other terms
- Changes to these terms
Using this site
These terms apply to anyone who uses alignlending.com. By using the site you agree to them and to our Privacy Policy. If you do not agree, please do not use the site. You must be 18 or older to use it.
Who we are
Align Lending LLC (NMLS #2041154) is an independent mortgage broker at 2625 Pontiac Lake Road, Waterford, Michigan 48328, licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Samantha Shelton (NMLS 1647301) is the owner and loan originator. Our licenses are listed on our Licensing and Disclosures page and on NMLS Consumer Access.
As a broker, we do not make loans ourselves. We help you choose a loan and submit it to a wholesale lender, and that lender makes the credit decision and funds the loan. How we are paid on your loan is shown on your Loan Estimate and Closing Disclosure.
Not an offer to lend
Nothing on this site is a credit decision, a preapproval, a loan approval, a commitment to lend, a rate lock or an offer of credit. Loan programs, rates and terms change often and are not available in every state or to every borrower.
Every loan depends on the lender's review of your credit, income, assets and debts, the property, and the rules of the loan program. A preapproval, approval or rate counts only when it is given to you in writing for your file, with its own conditions and dates.
Calculators and tools
Our calculators and readiness tools turn the numbers you enter into illustrations. They are estimates, not quotes, and they do not reflect a lender's pricing, fees or approval. Your Loan Estimate is the document that shows your actual terms. The numbers you type stay in your browser, and we do not receive them unless you choose to send them to Samantha.
Guides, glossary and research
The Learn Center, the mortgage glossary, our city and county pages and our research are general information. They are not legal, tax, financial or investment advice, and they may not fit your situation. Market figures, tax rates and program limits come from public sources and change over time. Ask a qualified tax or legal professional about your own circumstances.
Applications and other services
When you apply, you use a secure application portal run by our loan software provider. Scheduling runs on Calendly. Each service has its own terms. Loan disclosures and documents are delivered under the separate consents you give during your application.
Calls, texts and email
When you send us your phone number or email through the site, you agree that Align Lending may contact you about your inquiry by phone call, text message or email, including by automated means. Message and data rates may apply. Reply STOP to stop texts at any time, or ask us to stop calling or emailing. Agreeing to be contacted is not a condition of getting a loan.
Using the site properly
Please do not misuse the site: no attempts to break its security, overload it, collect other people's information, or submit false information. We may limit or end access for anyone who does.
Our content
The text, design, images, tools and logos on this site belong to Align Lending LLC or its licensors. You may read, print and share pages for personal, non-commercial use with credit to Align Lending. The data from our Michigan Property Tax Uncapping Study is released under the Creative Commons Attribution 4.0 license, as stated on the study pages.
Links to other websites
We link to government agencies, regulators and neutral sources of data so you can check facts yourself. We do not control those sites and are not responsible for their content or privacy practices.
Disclaimers
We work to keep the site accurate and current, but it is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. We do not promise that it will always be available, error free or free of harmful code.
Limits on liability
To the fullest extent the law allows, Align Lending LLC is not liable for indirect, incidental, special or consequential damages that arise from using this website or relying on its general information. Nothing in these terms limits a right you have under consumer protection or lending law that cannot be waived, or any duty we owe you on a loan you apply for through us.
Equal Housing Opportunity
Align Lending is an Equal Housing Opportunity company. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter a contract), familial status or disability, because all or part of your income comes from a public assistance program, or because you have in good faith exercised a right under the Consumer Credit Protection Act.
Governing law and disputes
These terms are governed by the laws of the State of Michigan and applicable federal law. If you have a concern, please contact us first so we can try to resolve it directly. You can also contact the regulator in your state or the Consumer Financial Protection Bureau; see Licensing and Disclosures. A dispute about these terms that is not resolved informally will be heard in the state or federal courts serving Oakland County, Michigan.
Other terms
If any part of these terms cannot be enforced, the rest still applies. Not enforcing a term is not a waiver of it. These terms and our Privacy Policy are the whole agreement about your use of this website. Anything you sign for a loan is governed by those documents.
Changes to these terms
We update these terms when the site or the law changes. This version is effective October 14, 2026. Using the site after an update means you accept the updated terms.
Questions about these terms
Call or write, and a person at Align Lending will answer.
- Company
- Align Lending LLC
NMLS #2041154 - Phone
- 248-506-5727
Align Lending LLC, NMLS #2041154, is a mortgage broker. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Nothing on this page is a credit decision, a preapproval, a commitment to lend, or an offer of credit.