This website has been developed by Mortgage Research Center LLC (MRC) to provide general information about mortgages and related matters. The materials posted in this website are not intended to create, and do not create, any relationship between MRC and the reader or viewer. The process of obtaining a mortgage loan is a serious one and should never be done without a licensed loan originator. This information is not intended to be, and is not valid as, a substitute for a licensed loan originator, licensed loan officer or other licensed lending professional. MRC is a Limited Liability Company organized under the laws of the State of Missouri, and for that reason its shareholders are afforded limited liability with respect to legal obligations, duties, and rights under applicable laws. The use of terms such as "officer" does not imply and does not suggest that the person is an officer of MRC nor that any individual person named, pictured, or otherwise referenced has any personal liability with respect to the obligations of MRC or any of its shareholders. MRC is not a government agency, nor affiliated with any government agency, including the Department of Veterans Affairs, in any way. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System and Directory for more information.