Terms of Use
By using this website, you agree to the terms below. Please read them carefully. If you do not agree, please do not use the site.
- Effective Date: 2025 · Applies to mnhomeowneroptions.com · Operated by Kyle White, Licensed Minnesota Real Estate Broker, RE/MAX Advantage Plus
Section 1
About This Website
mnhomeowneroptions.com is operated by Kyle White, a licensed Minnesota real estate broker with RE/MAX Advantage Plus. The site provides general real estate information and resources for Minnesota homeowners considering their options before foreclosure.
This website is not a substitute for professional legal, tax, mortgage, or financial advice.
Section 2
Not Legal, Tax, Mortgage, or Financial Advice
The content on this website, the Minnesota Homeowner Options Guide, and any conversation with Kyle White provide general real estate information only. They are not legal advice, tax advice, mortgage advice, or financial advice.
Foreclosure, short sale, redemption, and other Minnesota real estate situations involve legal and financial considerations that depend on your specific circumstances. Depending on your situation, you may want to consult with your lender, an attorney, a tax advisor, a mortgage professional, or a HUD-approved housing counselor before making a final decision. The Minnesota Homeownership Center is one resource for connecting with a housing counselor.
Short Sale Not Guaranteed
Short Sale Not Guaranteed
A short sale requires lender review and approval and is not guaranteed. Every short sale depends on the specific lender, the loan terms, the homeowner’s financial situation, the documentation provided, and other factors.
Even when a short sale appears to be the right path, lender approval is not assured. This is important to understand before entering the process.
Section 4
Results Not Guaranteed
Every homeowner situation is different, and results cannot be guaranteed. Testimonials and case studies on this website reflect specific Minnesota homeowner situations and outcomes. They do not represent guarantees of outcomes for other homeowners.
Outcomes depend on the homeowner’s specific timeline, equity position, loan terms, lender, and other factors.
Section 5
Real Estate Brokerage Relationship
Kyle White is a licensed Minnesota real estate broker with RE/MAX Advantage Plus. Any real estate brokerage relationship between Kyle and a homeowner is established by a separate written agreement.
Using this website, requesting the guide, or scheduling an options call does not, by itself, create a brokerage relationship or a fiduciary duty. The brokerage relationship and any related obligations are governed by the written agreement that may be entered into after the options call.
Section 6
Confidentiality of the Options Call
The confidential options call is treated as a private conversation about your situation. Kyle does not share the details of your situation with investors, marketers, or other third parties.
The call is not protected by attorney-client privilege, since Kyle is not an attorney. If you need legal protection for sensitive disclosures, consult an attorney directly.
Section 7
Use of Information You Provide
Information you submit through this website is used to respond to your request and provide real estate-related guidance. Your information will not be sold. See the Privacy Policy for full details on how information is collected, used, and protected.
Section 8
Accuracy of Information
MN Homeowner Options strives to provide accurate, up-to-date information about Minnesota foreclosure law, redemption periods, and homeowner options. Minnesota law can change. Statutes are amended. Court interpretations evolve.
Information on this website is provided as of its publication date and may not reflect the most recent legal developments. Always verify legal information with a qualified attorney for your specific situation.
Section 9
Third-Party Links
This website may include links to third-party resources, such as the Minnesota Homeownership Center, HUD-approved housing counselors, the Minnesota Department of Commerce, or statute references at revisor.mn.gov. These links are provided for convenience.
MN Homeowner Options is not responsible for the content, accuracy, or practices of third-party websites.
Section 10
No Warranty
The information on this website is provided “as is” without warranty of any kind, express or implied. To the fullest extent permitted by law, MN Homeowner Options and Kyle White disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Section 11
Limitation of Liability
To the fullest extent permitted by law, MN Homeowner Options and Kyle White are not liable for any damages arising from your use of this website or reliance on the information provided. Decisions about your specific situation should be made with the advice of qualified professionals.
Section 12
Governing Law
These terms are governed by the laws of the State of Minnesota. Any dispute arising from your use of this website will be subject to the jurisdiction of the courts located in Minnesota.
Section 13
Changes to These Terms
These terms may be updated from time to time. Material changes will be reflected on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the updated terms.
- Note: MN Homeowner Options is operated by Kyle White, a licensed Minnesota real estate broker with RE/MAX Advantage Plus. This website provides general real estate information and is not legal, tax, mortgage, or financial advice. A short sale requires lender review and approval and is not guaranteed.
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