Terms of Service

Last updated: July 5, 2025

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you and Mortgage Loans Co. ("we," "our," or "us"), concerning your access to and use of our website and services.

By accessing or using our website and services, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access our website or use our services.

2. Services

Mortgage Loans Co. provides mortgage loan services and information to consumers in Texas. Our services include:

• Mortgage loan origination
• Mortgage refinancing
• Pre-approval for mortgage loans
• Educational resources about mortgage products
• Mortgage calculators and tools

We are licensed by the Texas Department of Savings and Mortgage Lending (NMLS #2044646).

3. Mortgage Information and Rates

The mortgage rates, APRs, and other information displayed on our website are for informational purposes only. They may not reflect the most current rates or terms we offer. Rates are subject to change without notice and may vary depending on various factors including, but not limited to, property location, loan amount, loan type, loan-to-value ratio, and your credit profile.

The payment examples provided on our website are for illustrative purposes only and do not constitute an offer to lend or a commitment to provide a loan. Actual payment amounts will vary based on the specific terms of your loan.

4. Application Process

By submitting a mortgage application through our website or services, you certify that all information provided is true, accurate, and complete. You authorize us to verify your information, obtain your credit report, and share your information with third parties as necessary to process your application.

Submission of an application does not guarantee approval for a loan. All loans are subject to credit approval, verification of application information, and meeting our underwriting standards.

5. Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to our website are protected under applicable copyrights, trademarks, and other proprietary rights. Copying, redistribution, use, or publication of any such matters or any part of our website is prohibited without our express permission.

6. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use our services
• Any conduct or content of any third party on our services
• Any content obtained from our services
• Unauthorized access, use, or alteration of your transmissions or content

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

8. Changes to Terms

We reserve the right to modify or replace these Terms at any time. It is your responsibility to check our website periodically for changes. Your continued use of our website following the posting of any changes constitutes acceptance of those changes.

9. Contact Us

If you have any questions about these Terms, please contact us at: