Last updated: April 24, 2026

Our standard

We aim for our website to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA — the international standard developed by the World Wide Web Consortium for making web content accessible to people with a wide range of disabilities.

What we’ve built in

  • Keyboard navigation. Every interactive element is reachable and usable with a keyboard alone (Tab, Shift+Tab, Enter, Space, arrow keys for tabs).
  • Skip-to-content link at the top of every page so screen-reader and keyboard users can jump past the navigation.
  • Visible focus indicators on all interactive elements so keyboard users can see where they are.
  • Semantic HTML structure with proper heading hierarchy, landmarks (header, nav, main, footer), and ARIA roles where they help.
  • Form labels and error messages connected to their inputs so assistive technology can announce them correctly.
  • Alternative text on images that convey meaning. Decorative images are marked as such so screen readers can skip them.
  • Sufficient color contrast. Body text and interactive elements meet or exceed the WCAG AA 4.5:1 contrast ratio.
  • Resizable text. The site reflows cleanly when text is zoomed up to 200% in a browser.
  • Mobile-friendly touch targets. Buttons and links are at least 44×44 pixels for accurate tapping on touchscreens.
  • Respect for reduced-motion preferences. Where animation is used, it’s minimal and respectful of prefers-reduced-motion.

Where we’re still working

Web accessibility is ongoing — not a checkbox. Areas we know we want to keep improving:

  • Migrating older newsletter posts (carried over from our previous WordPress site) to ensure their images all have descriptive alt text.
  • Continuing to audit color contrast as we adjust the visual design.
  • Testing with real assistive technology (NVDA, VoiceOver, JAWS) periodically and fixing what we find.

Tell us when something doesn’t work

If you encounter content on our website that’s not accessible to you — a form that won’t accept your input, an image without alt text, a button you can’t reach with the keyboard, anything — we want to know. We’ll respond and try to fix it.

The fastest ways to reach us:

Phone or text: (248) 956-0445
Email: [email protected]
Mail: 322 S. Main St. Suite 230, Rochester, MI 48307

When you contact us, please include the page URL where you encountered the issue and a brief description of what happened (or didn’t happen). If you’re comfortable sharing what assistive technology you use, that helps us reproduce the problem.

Alternative ways to do business with us

If something on our website is preventing you from accessing the information or services you need, we’re happy to help you over the phone, by email, by text, or in person at our Rochester office. Call (248) 956-0445 or text the same number.

Third-party content

Our website links to external resources we don’t control (state government sites, third-party calculators, recommended professionals’ sites). We can’t guarantee the accessibility of those sites. If you have trouble with any of them, contact the site’s operator directly — or contact us and we’ll help you find the information another way.

This Accessibility Statement reflects our current efforts and ongoing commitment. It is not a legal guarantee of complete WCAG conformance. We’re committed to continuing improvements over time.

Apply now

Pick the advisor you’d like to work with — we’ll take it from there.

Brian Mutter

Brian Mutter

Loan Officer · NMLS #1109257

Apply with Brian → Or read Brian’s profile first
Lynn Marie Oates

Lynn Marie Oates

Loan Officer · NMLS #1495433

Apply with Lynn → Or read Lynn’s profile first

You’re about to leave Forward Mortgage

We’ve shared this link as a helpful resource, but we can’t guarantee the accuracy of content on third-party sites. The site you’re heading to is not operated by Forward Mortgage.

Before you continue

How we’ll handle your information

Before you enter your SSN, income, and other financial details on the next page, federal law (the Gramm-Leach-Bliley Act) requires us to explain how we’ll handle that information.

  • We collect what we need to evaluate, structure, and submit your loan.
  • We share it only with the people who help close your loan — the lenders we submit to, the service providers who run credit, title, appraisal, and verifications, and regulators when the law requires.
  • We don’t sell your information. We don’t share it for marketing. Not ours, not affiliates’, not anyone’s.
  • We protect it — encrypted transmission, restricted access, secure document handling.

Applying with