MORTGAGE & REGULATORY INFORMATION DISCLOSURE

Effective Date: 09/30/2026

Dynamis Advisory provides consulting and advisory services to organizations involved in mortgage lending and related financial services. Our experience may include mortgage origination, underwriting, servicing, secondary market operations, quality control, compliance, risk management, operational governance, training, and process improvement.

Information presented by Dynamis Advisory concerning mortgage lending laws, regulations, agency requirements, investor guidelines, underwriting standards, compliance requirements, or industry practices is provided for general educational and consulting purposes.

No Legal Advice

Dynamis Advisory does not provide legal advice or legal opinions.

References to federal or state laws, regulations, regulatory guidance, agency requirements, investor requirements, or other legal or regulatory materials should not be interpreted as a legal determination regarding a client’s compliance obligations.

Clients should consult qualified legal counsel regarding questions requiring legal interpretation or legal advice.

Regulatory Changes

Mortgage lending requirements are subject to change. Requirements may differ based on:

• Federal and state law

• Regulatory agency requirements

• Investor requirements

• Agency guidelines

• Loan purpose

• Product type

• Property type

• Borrower characteristics

• Lender overlays

• Contractual requirements

• Applicable licenses or approvals

Dynamis Advisory does not guarantee that information published on the website reflects every current requirement applicable to a particular transaction or organization.

Client Responsibility

Each client remains responsible for establishing, maintaining, and monitoring its own compliance program and for determining the requirements applicable to its business.

Recommendations provided by Dynamis Advisory are intended to support the client’s decision-making and operational processes. Clients are responsible for reviewing, approving, implementing, documenting, and monitoring policies, procedures, controls, and recommendations.

Agency and Investor References

References to organizations such as Fannie Mae, Freddie Mac, FHA, VA, USDA, HUD, CFPB, FHFA, or other governmental agencies, regulators, investors, or industry organizations are for informational purposes.

Unless expressly stated in writing, Dynamis Advisory is not affiliated with, sponsored by, endorsed by, or acting on behalf of any governmental agency, GSE, investor, regulator, or other organization referenced on this website.

No Loan-Level Determination

Information provided through this website should not be interpreted as a determination that a particular borrower, loan, property, transaction, or mortgage product qualifies for approval.

Loan eligibility and underwriting decisions should be made by the appropriate lender, investor, underwriter, or other authorized party based upon the complete circumstances and documentation of the transaction.

No Guarantee of Compliance

Use of Dynamis Advisory’s services does not guarantee that an organization will:

• Pass an examination or audit

• Avoid regulatory findings

• Meet investor requirements

• Achieve a particular quality-control result

• Receive or maintain an agency approval

• Avoid litigation or regulatory action

• Achieve a particular financial result

Dynamis Advisory’s role is to provide professional consulting and operational support within the scope of an agreed engagement.