These Terms of Use (“Terms”) govern your access to and use of TexasRenovationLoans.com (the “Site”). The Site is maintained for educational and marketing purposes by Matthew Brown, Sr. Loan Originator / Mortgage Broker (NMLS #1254520), offering mortgage origination services through Globe Mortgage, Inc. (NMLS #1390856), as applicable.
1. Acceptance of These Terms
By accessing or using the Site, you agree to these Terms and acknowledge the Privacy Policy. If you do not agree, do not use the Site. You must be at least 18 years old and legally capable of entering into a binding agreement to submit a financing inquiry or application.
2. Educational Information; No Commitment to Lend
Content is general and may not reflect every product requirement, property condition, investor overlay, geographic restriction, or change in law or program guidelines. Examples are illustrative only. Loan programs, rates, fees, terms, eligibility, and availability may change without notice and vary by applicant, property, transaction, lender, and jurisdiction.
Any financing is subject to a complete application, verification, credit and underwriting review, appraisal and property eligibility, acceptable contractor and renovation documentation where required, applicable disclosures, and final lender approval. No Site statement guarantees qualification, closing, savings, equity creation, renovation outcome, property value, or future financial result.
3. Licensing and Service Availability
Mortgage services are offered only where the applicable mortgage company and individual originator are properly licensed or otherwise authorized and where the requested product is available. Site access from a location does not mean services are offered in that location. Licensing information may be reviewed through NMLS Consumer Access.
4. Inquiries and Applications
Sending an email, placing a call, or following a Site link does not create a lender-borrower, broker-client, fiduciary, advisory, or other professional relationship and does not constitute a mortgage application. A mortgage application occurs only through an authorized application process and is subject to separate notices, disclosures, consents, and terms.
You agree that information you submit will be truthful, current, and complete to the best of your knowledge. Do not send Social Security numbers, bank or card numbers, account credentials, government identification, or complete mortgage application data through ordinary email.
5. Communications
If you contact us or submit information through an authorized process, you authorize a response using the contact information you provide regarding your inquiry. Consent to receive a response is not a condition of obtaining a loan or other service. Standard telephone, internet, and data charges may apply. You may ask us to stop non-required communications at any time.
6. Permitted Use
You may use the Site only for lawful, personal, and informational purposes. You may not:
- Use the Site in violation of law or another person’s rights;
- Submit false, misleading, fraudulent, malicious, or unauthorized information;
- Attempt unauthorized access or interfere with Site security or operation;
- Introduce malware, harmful code, automated attacks, or unreasonable load;
- Scrape, copy, republish, sell, or commercially exploit Site content without written permission; or
- Impersonate another person or misrepresent your identity or authority.
7. Intellectual Property
The Site’s text, layout, graphics, branding, and other original content are owned by or licensed to us and protected by applicable intellectual-property laws. You may print or save a reasonable portion for personal, noncommercial use. No other license or transfer of rights is granted.
8. Third-Party Sites and Services
The Site may link to a secure mortgage application, NMLS Consumer Access, MyExpressHELOC.com, city-specific renovation-loan websites, and other third-party resources. Links are provided for convenience and do not necessarily constitute endorsement. We do not control and are not responsible for third-party content, availability, security, terms, privacy practices, products, or services. Your use of a third-party service is governed by that provider’s terms and notices.
9. Website Availability and Changes
We may modify, suspend, or discontinue any part of the Site at any time. We do not guarantee uninterrupted, error-free, timely, or secure access, or that content will always be complete or current.
10. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR RESULTS.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, MATTHEW BROWN, GLOBE MORTGAGE, INC., AND THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION ARISING FROM OR RELATED TO SITE USE, INABILITY TO USE THE SITE, OR RELIANCE ON SITE CONTENT.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Applicable consumer-protection rights remain unaffected.
12. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute concerning the Site or these Terms that is not subject to a separate written agreement will be brought in a court of competent jurisdiction in Travis County, Texas, unless applicable law requires otherwise.
13. Severability and No Waiver
If a provision is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain effective. Failure to enforce a provision is not a waiver of the right to enforce it later.
14. Changes to These Terms
We may update these Terms to reflect changes in the Site, services, or applicable requirements. The date above identifies the latest revision. Updated Terms apply prospectively when posted, subject to applicable law. Continued use after an update constitutes acceptance of the revised Terms.
15. Contact
Matthew Brown
Sr. Loan Originator / Mortgage Broker, NMLS #1254520
Email: matt@matt.mortgage
Phone: (512) 952-1125
Mortgage origination services offered through Globe Mortgage, Inc., NMLS #1390856.