Constructive Mortgage Services is a division of Fay Servicing, LLC. This website is intended to be used only by mortgage brokers, and only for business purpose mortgage loans to be secured by non-owner-occupied properties. The use of this website DOES NOT constitute an application for a mortgage loan and this website may not be used to obtain a loan approval or rate commitment. Mortgage loan terms and pricing generated by this website are subject to change without notice. All final mortgage loan programs, fees and terms are subject to the provisions of the applicable underwriting guidelines in effect from time to time. Please visit Licensing and Disclosures for important disclosures and for licensing information. For additional licensing information, please visit NMLS Consumer Access.