Terms of Use

Last updated: June 11, 2026

These Terms of Use ("Terms") govern your use of the VA Loan Shield® tool ("the Tool"), operated by Mike Olesh, a licensed mortgage loan originator (NMLS #1938946) affiliated with CrossCountry Mortgage, LLC (NMLS #3029). By using the Tool, you agree to these Terms.

1. Educational and Informational Purpose Only

The Tool is provided for educational and informational purposes only. It does not constitute legal, financial, tax, or mortgage advice, and it does not create any lender-borrower, advisory, or fiduciary relationship. The fee classifications and "scores" the Tool produces are estimates based on general VA guidelines and current market benchmarks. They are not a determination that any fee is improper, non-compliant, or illegal.

Always consult a licensed mortgage professional and/or a VA-accredited housing counselor before making any lending decision. Nothing the Tool displays is a commitment to lend or an offer of specific loan terms.

2. No Guarantee of Accuracy

The Tool analyzes the text it can extract from the Loan Estimate you provide. Results depend on the format and quality of that document and may be incomplete or inaccurate. We make no warranty that the analysis is correct, complete, or applicable to your specific situation. The Tool is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

3. Not a Loan Offer or Approval

Use of the Tool does not constitute a loan application and does not guarantee any rate, fee, loan amount, or approval. All mortgage loans are subject to underwriting approval, credit qualification, property appraisal, and program eligibility. Certain restrictions apply. Not all applicants will qualify. Rates and terms are subject to change.

4. Eligibility and Licensing

Mortgage origination services are available only in states where the loan originator and CrossCountry Mortgage, LLC are licensed. See the Disclosures page for current licensed states. Submitting your information does not guarantee that we can provide services in your location.

5. Your Responsibilities

Provide accurate information and only upload documents you have the right to share.
Use the Tool only for your own lawful, personal purposes.
Do not attempt to disrupt, reverse-engineer, scrape, or misuse the Tool.

6. Privacy

Your use of the Tool is also governed by our Privacy Policy, which explains how the on-device analysis works and what happens to information you choose to submit.

7. Limitation of Liability

To the fullest extent permitted by law, the Tool's operator and CrossCountry Mortgage, LLC will not be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss arising from your use of or reliance on the Tool or its results. [Compliance/counsel to finalize liability and indemnification language.]

8. Intellectual Property

VA Loan Shield® and the content of the Tool are owned by the operator or its licensors. CrossCountry Mortgage® and related marks are the property of CrossCountry Mortgage, LLC.

9. Third-Party Links

The Tool may link to third-party websites (such as VA.gov or CrossCountryMortgage.com). We are not responsible for the content or practices of those sites.

10. Changes to These Terms

We may revise these Terms at any time. Continued use of the Tool after changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of [Compliance/counsel to specify governing-law and dispute-resolution provisions.]

12. Contact

Mike Olesh, NMLS #1938946 · CrossCountry Mortgage, LLC (NMLS #3029)
Email: [email protected] · Phone: 843-478-2535