Terms of Use

Last updated: September 24, 2026

These Terms of Use govern your use of WhatsMyHELOC.com (the "Site"), operated by Omnia Mortgage LLC ("Omnia Mortgage," "we," "us"). By using the Site you agree to these terms.

Informational purposes only

The Site is for informational purposes only and is not a commitment to lend, a loan offer, or financial, legal, or tax advice. All loan products described on the Site are subject to credit approval, verification, and collateral evaluation by the lender. Rates, terms, programs, and availability vary by state and applicant and may change without notice. Not all applicants will qualify.

Broker, not lender

Omnia Mortgage LLC (NMLS #2701710) is an independent mortgage broker licensed in Texas, Florida, and Louisiana. We arrange but do not make loans. Home equity lines of credit referenced on this Site are originated by our lending partner, and all credit decisions are made solely by the lender.

Estimator and calculators

The equity estimator and any illustrations on the Site are simplified educational tools. Results are estimates only, do not account for all underwriting factors, and do not constitute an offer of credit, a prequalification, or a guarantee of any loan amount, rate, or payment.

Third-party sites

The Site links to websites operated by third parties, including our lending partner's application platform. We are not responsible for the content, terms, or privacy practices of third-party sites, which are governed by their own agreements and policies.

Acceptable use and intellectual property

You agree not to misuse the Site, interfere with its operation, or submit false information. The Site's content, branding, and design are the property of Omnia Mortgage LLC or its licensors and may not be copied or used without permission.

Disclaimer and limitation of liability

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Omnia Mortgage LLC is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. If any provision is found unenforceable, the remaining provisions remain in effect.

Contact

Questions about these terms: Omnia Mortgage LLC, 2700 Post Oak Blvd, Fl 21, Houston, TX 77056 · (281) 231-8181.

Equal Housing Opportunity.