HouseCall Terms of Use
Last Updated: September 10, 2026
These Terms of Use (“Terms”) govern your access to and use of the HouseCall website, services, content, tools, forms, and other features (collectively, the “Site”).
HouseCall is a brand and service operated by Machaira Marketing, LLC (“Machaira Marketing,” “HouseCall,” “we,” “us,” or “our”).
These Terms apply to consumers who visit the Site and to physicians and other healthcare professionals who submit a mortgage inquiry through it. Mortgage lenders, loan officers, mortgage companies, and other mortgage professionals who receive consumer inquiries from HouseCall are not governed by these Terms; their relationship with Machaira Marketing, LLC is governed by a separate written agreement.
By accessing or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Site.
1. About HouseCall
HouseCall is a marketing and lead-generation service focused on helping physicians and other eligible healthcare professionals learn about and connect with providers of physician mortgage products.
HouseCall and Machaira Marketing are not mortgage lenders, mortgage brokers, loan originators, banks, financial institutions, or real estate brokers. We do not make loans, extend credit, make credit decisions, approve or deny loan applications, underwrite loans, issue loan commitments, or determine the rates or terms of any mortgage product.
HouseCall does not guarantee that you will qualify for a physician mortgage or any other loan, that a lender will contact you, or that any particular rate, loan amount, down payment, loan program, or other term will be available to you.
Any mortgage application, underwriting, approval, loan terms, closing, or other lending services are provided solely by the applicable lender or mortgage professional and are subject to that provider’s requirements.
2. Lead-Generation and Lender Connections
HouseCall allows consumers to submit information indicating an interest in physician mortgage products.
When you submit information through the Site, HouseCall may use that information to identify and connect you with one or more participating mortgage lenders, loan officers, mortgage companies, or other mortgage professionals (“Participating Providers”).
Information you provide may be transmitted to Participating Providers so they can evaluate your inquiry and contact you regarding mortgage products or services that may be available to you.
HouseCall does not guarantee that every lender offering physician mortgage products participates in our service. Participating Providers represent only a portion of the mortgage providers and products that may be available in the marketplace.
You are under no obligation to obtain a mortgage or other service from a Participating Provider.
3. Compensation and Advertising Disclosure
HouseCall is a commercial, advertising-supported lead-generation service.
Machaira Marketing may receive compensation from Participating Providers for marketing services, advertising, consumer leads, or other services provided to those companies.
This compensation allows HouseCall to provide its website, educational content, tools, and lead-generation services to consumers without charging consumers a fee for using the Site.
The presence of a lender, mortgage company, loan officer, product, advertisement, or other provider on HouseCall does not constitute an endorsement or guarantee by HouseCall unless expressly stated otherwise.
HouseCall does not represent that its Participating Providers include every lender or mortgage product available to you.
Where HouseCall compares, displays, identifies, or discusses mortgage providers or products, compensation may be one factor associated with which providers participate in HouseCall. HouseCall will not represent a provider as the best, lowest-cost, or most suitable option for a consumer solely because that provider compensates HouseCall.
Consumers should independently evaluate mortgage offers and may wish to obtain quotes or information from additional lenders before selecting a mortgage provider.
4. No Mortgage, Financial, Legal, Tax, or Investment Advice
Information available through HouseCall is provided for general informational and educational purposes.
Nothing on the Site constitutes mortgage advice, financial advice, investment advice, legal advice, tax advice, accounting advice, or a recommendation that you enter into a particular transaction.
Information about physician mortgages, eligibility requirements, underwriting practices, rates, down-payment requirements, loan limits, student-loan treatment, or other lending terms is general in nature. Lending programs and requirements vary by lender and can change without notice.
You should evaluate your individual financial circumstances and consult appropriate licensed professionals when necessary before making significant financial decisions.
5. Mortgage Rates, Terms, and Eligibility
Any mortgage rates, payment examples, loan amounts, down-payment percentages, eligibility criteria, program descriptions, or other mortgage information displayed on the Site are provided for informational purposes unless expressly identified as a specific offer from a Participating Provider.
Mortgage rates and lending terms can change at any time.
HouseCall does not set mortgage rates or loan terms.
Actual rates, fees, loan amounts, down-payment requirements, eligibility, credit requirements, debt-to-income requirements, underwriting decisions, and other loan terms are determined by the applicable lender based on the consumer’s circumstances and the lender’s underwriting standards.
Nothing on HouseCall constitutes a commitment to lend, an offer of credit, a loan approval, or a guarantee of any particular mortgage terms.
Mortgage information on the Site can go out of date. Always confirm current rates, terms, and eligibility directly with the lender before you rely on them.
6. Information You Submit
If you submit information through HouseCall, you agree to provide information that is accurate and belongs to you.
Depending upon the services you request, information collected may include your name, contact information, profession or medical specialty, employment information, anticipated or current income, location, home-purchase information, estimated credit information, loan preferences, and other information relevant to your mortgage inquiry.
Our collection, use, disclosure, retention, and protection of personal information are described in our Privacy Policy, which is incorporated into these Terms by reference.
You acknowledge that information you submit may be shared with Participating Providers as described in the Privacy Policy and disclosures presented with the applicable form.
7. Communications and Consent to Contact
When you submit a request through HouseCall, you may be asked to consent to communications from HouseCall, Machaira Marketing, and/or specifically identified Participating Providers.
Depending on the consent you provide, communications may occur by telephone, text message, email, or other means and may include communications using automated technology where permitted by law.
Consent to receive marketing calls or text messages is not a condition of purchasing any property, goods, or services.
Any consent language presented with a particular HouseCall form is incorporated into these Terms as applicable to that submission.
You may revoke consent to receive marketing communications as provided in the applicable communication or by contacting the party sending the communication. Participating Providers may maintain and use information they receive from HouseCall subject to their own legal obligations and privacy practices.
Any consent to be contacted is given by your affirmative action when you submit a form, not by browsing or otherwise using the Site.
8. Third-Party Providers
Participating Providers are independent third parties and are not employees or agents of HouseCall or Machaira Marketing.
HouseCall does not control a Participating Provider’s underwriting decisions, mortgage products, rates, fees, communications, customer service, representations, licensing, approval decisions, closing process, or other conduct.
HouseCall requires participating lenders by contract to comply with applicable TCPA, do-not-call, privacy, mortgage advertising, licensing, and consumer financial protection obligations.
Any mortgage or other transaction you enter into with a Participating Provider is solely between you and that provider.
You should review the provider’s disclosures, licensing information, privacy policy, loan documentation, and other applicable terms before entering into a transaction.
9. Educational and Editorial Content
HouseCall may publish articles, guides, comparisons, calculators, lender information, educational resources, and other content concerning physician mortgages, home buying, and related financial topics.
We strive to provide useful and accurate information, but mortgage programs, interest rates, lending standards, laws, regulations, and provider offerings change frequently.
We therefore do not warrant that all content will always be complete, current, accurate, or applicable to your individual circumstances.
HouseCall may update, modify, or remove content at any time.
10. Third-Party Websites and Services
The Site may contain links to websites or services operated by third parties.
HouseCall does not control those websites and is not responsible for their content, availability, privacy practices, security, products, services, representations, or business practices.
A link to a third-party website does not necessarily constitute an endorsement of that website or its operator.
Your use of third-party websites and services is subject to the terms and privacy policies of those third parties.
11. Permitted Use of the Site
You may use the Site only for lawful purposes.
You agree not to:
- provide false, fraudulent, misleading, or unauthorized information;
- impersonate another person;
- attempt to gain unauthorized access to the Site or its systems;
- interfere with the operation or security of the Site;
- introduce viruses, malicious code, or other harmful technology;
- scrape, harvest, copy, or systematically extract Site content or data without our written authorization;
- use the Site to send spam or other unauthorized communications;
- infringe the intellectual-property or privacy rights of HouseCall, Machaira Marketing, or another party; or
- use the Site in violation of applicable law.
We may restrict or terminate access to the Site if we reasonably believe these Terms have been violated.
12. Intellectual Property
Unless otherwise indicated, the Site and its original content, design, graphics, logos, trademarks, service marks, text, software, and other materials are owned by Machaira Marketing, LLC or used with permission and are protected by applicable intellectual-property laws.
“HouseCall,” the HouseCall name and logo, and other HouseCall branding may not be copied, reproduced, modified, distributed, displayed, or used for commercial purposes without prior written permission from Machaira Marketing, LLC.
Third-party company names, lender names, trademarks, and logos appearing on the Site remain the property of their respective owners. Their appearance on the Site does not imply ownership by, or affiliation with, HouseCall unless expressly stated.
13. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE, ITS CONTENT, AND THE SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
HOUSECALL AND MACHAIRA MARKETING, LLC MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE OR ITS CONTENT, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, OR RELIABILITY.
WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS.
WE DO NOT WARRANT OR GUARANTEE THE PRODUCTS, SERVICES, PERFORMANCE, CONDUCT, RATES, TERMS, AVAILABILITY, OR REPRESENTATIONS OF ANY PARTICIPATING PROVIDER OR OTHER THIRD PARTY.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HOUSECALL, MACHAIRA MARKETING, LLC, AND THEIR OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR ANY THIRD-PARTY PRODUCT OR SERVICE.
HOUSECALL AND MACHAIRA MARKETING, LLC ARE NOT RESPONSIBLE FOR ANY DECISION MADE BY A PARTICIPATING PROVIDER, INCLUDING A DECISION TO APPROVE OR DENY CREDIT OR THE RATES, FEES, TERMS, OR CONDITIONS OFFERED TO YOU.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
15. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Machaira Marketing, LLC, HouseCall, and their owners, officers, employees, contractors, affiliates, and agents from claims, liabilities, damages, losses, and reasonable costs arising from your unlawful misuse of the Site, your violation of these Terms, or your infringement of another person’s rights.
16. Availability and Modification of the Site
We may modify, suspend, discontinue, restrict, or change any part of HouseCall or the services offered through the Site at any time.
We do not guarantee that any particular service, Participating Provider, mortgage program, feature, or content will remain available.
17. United States Use
HouseCall is intended for use in the United States.
Mortgage products and services referenced on the Site may not be available in every state or to every consumer.
Participating Providers are responsible for determining where they are authorized to offer their products and services.
Nothing on the Site constitutes an offer or solicitation in a jurisdiction where such an offer or solicitation would be unlawful.
18. Changes to These Terms
We may revise these Terms periodically.
When we make changes, we will update the “Last Updated” date at the top of this page. Material changes may also be communicated through the Site or by other appropriate means where required by law.
Your continued use of the Site after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by law.
19. Governing Law
These Terms and your use of the Site are governed by the laws of the State of Nebraska, without regard to its conflict-of-law principles, except where applicable federal law or other law requires otherwise.
To the extent permitted by law, disputes arising from these Terms or use of the Site shall be brought in a court of competent jurisdiction located in Nebraska.
20. Severability
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will remain in effect.
21. No Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
22. Entire Agreement
These Terms, together with the Privacy Policy and any additional disclosures or terms presented to you in connection with a particular HouseCall service or form, constitute the agreement between you and Machaira Marketing, LLC concerning your use of HouseCall.
23. Contact Us
If you have questions about these Terms of Use, please contact:
We will respond to questions about these Terms at the email address above.