Disclosures

Lucere Estates provides homeownership organization, education, planning tools and concierge support.

We help you gather your information, understand your position, prepare your documents and keep track of each stage of a home purchase.

Lucere Estates is not a credit bureau.

Lucere Estates does not guarantee the removal of accurate credit information, and does not guarantee increases in credit scores.

Lucere Estates is not providing a mortgage approval through the platform.

Loan qualification, underwriting, interest rates and mortgage approval are determined by licensed lenders and applicable program administrators.

Lucere Estates is not a law firm, a tax adviser, or a mortgage broker, and nothing in the platform should be interpreted as legal or tax advice.

Home affordability calculations are planning estimates and are not lending decisions.

Estimated monthly payments, ratios, closing costs, taxes and insurance are illustrations. They are not loan approvals, prequalifications or preapprovals, and they are not offers of credit.

Any ratio you see is an estimated planning ratio. It does not mean that you qualify, or that you do not.

Down-payment assistance and other housing programs are subject to their own eligibility requirements, funding availability and program rules.

Program information is drawn from official public sources and can change without notice. Lucere Estates does not determine eligibility, does not submit applications on your behalf unless you ask us to, and does not guarantee that any program will fund.

Final eligibility is determined by the program administrator and/or the participating lender.

Property information should be independently verified.

Listing details, taxes, association dues, insurance estimates and property condition change, and the details you record in Lucere Estates are the details you entered from the sources you used. Lucere Estates does not reproduce licensed multiple-listing data, and nothing shown in the platform is a representation by Lucere Estates about any property.

Photography on this site is decorative and does not depict any property offered here.

Lucere Estates does not obtain credit reports, does not pull your credit, and does not ask for credit bureau passwords or banking credentials.

Scores you record are the ones you entered, from reports you obtained yourself, and may not be the scores a lender uses in underwriting.

Where you believe an item on your credit report is factually inaccurate, Lucere Estates can help you prepare a factual dispute based only on the facts you provide, along with an evidence checklist. Lucere Estates never generates disputes, never advises you to dispute accurate information, and never promises that any item will be removed.

Lucere Estates does not collect Social Security numbers, bank account numbers, routing numbers, credit bureau passwords or full payment-card numbers.

Documents you upload are stored privately, and access follows your account permissions. Your financial information is not shared with unrelated Crystallized Ventures services.

Full details of what we collect, what we never collect and how to ask us to delete your account are set out in our Privacy Notice.