Terms of use
Effective November 7, 2026
About this website
This website provides general information about home loans and about Ruben Akopyan, Mortgage Loan Originator, NMLS #1972825, with Pioneer Mortgage Funding, Inc., NMLS #1980. LendHQ, the website platform, runs this website for Ruben Akopyan. These terms apply when you use this website.
General information, not an offer
The information on this website is general and educational. It is not an offer to lend, an approval, a commitment to lend or a rate quote, and this website does not post interest rates. Whether a loan program is available to you depends on your full application, an underwriting review of your situation and the property, and the programs available when you apply. Talk with Ruben Akopyan about your own situation.
Calculators
Calculator results are estimates based only on the figures you enter. They are not a Loan Estimate, a rate quote or an offer.
Program finder
The program finder is educational and uses only your answers. Its results are not an approval, prequalification, pre-approval or offer.
Licensing
You can look up Ruben Akopyan and Pioneer Mortgage Funding, Inc. at NMLS Consumer Access (www.nmlsconsumeraccess.org), which shows each one's licensing or registration. More details are on the Licensing and Disclosures page.
Links to other websites
This website links to websites run by others, such as government agencies, county offices and NMLS Consumer Access. They are provided for convenience. This website does not control their content, and their own terms and privacy practices apply.
Accuracy
Information on this website can change, and some of it comes from public sources such as government agencies and county offices. It may not be complete or up to date. Check important facts with the official source or with Ruben Akopyan.
Changes to these terms
These terms can change. Each time their wording changes, the effective date at the top is updated. Sections that describe a feature, such as a contact form, appear only while that feature is on.
The information here is educational only. It is not an offer, approval or commitment to lend. Eligibility is subject to underwriting review of your application and the property. Not every program is offered by every lender or in every state. Each program has property and occupancy requirements, and terms and guidelines can change. This site does not quote rates or fees. Down payment, rate, points and loan amount limits depend on the program, the lender and your situation. Ask your loan officer for details.