Terms of Service

1. Acceptance of Terms

By accessing and using HoustonMortgageExpert.com (the "Services"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use this website. We reserve the right to modify these Terms at any time. Your continued use following changes means you accept them.

2. Not Legal, Tax, or Financial Advice

The content on this website—including calculators, articles, and interactive tools—is provided for informational and educational purposes only. Nothing here should be construed as:

• Legal advice or counsel
• Tax advice (consult a qualified tax professional)
• Financial planning or investment advice
• Mortgage pre-approval or loan qualification guarantee
• Professional financial consulting

Do not rely solely on this information for financial decisions. Contact a qualified professional for advice tailored to your situation.

3. Mortgage Calculator Disclaimer

Our mortgage calculator is an estimation tool for approximate monthly payments and closing costs. Results are subject to:

• Estimates Only: Actual payments, rates, and closing costs vary significantly based on credit score, loan type, market conditions, and lender factors.
• Not Pre-Qualification: Using the calculator does not constitute pre-qualification or pre-approval.
• Variable Interest Rates: Rates change frequently and are not guaranteed.
• Local Taxes & HOA: Property taxes, insurance, HOA fees, and MUD taxes vary by location and change annually.
• Mortgage Insurance: PMI calculations depend on specific loan programs and down payment amounts. Seller contributions have program limits.
• No Liability: We are not responsible for calculation errors or decisions made based on results.

4. Mortgage & Real Estate Information Disclaimer

While we provide Houston-area mortgage, real estate, tax, and lending information, please note:

• Information is accurate to the best of our knowledge at publication date
• May become outdated due to tax law changes, lending regulations, or market shifts
• Does not constitute professional appraisal or property valuation
• Does not guarantee specific loan terms or rates
• Should be verified with local government agencies and lenders

Property tax rates, MUD assessments, and insurance costs are subject to change. Verify all financial assumptions with your lender before purchase.

5. Loan Officer Information & Licensing

Services are provided by Steve Kyles, NMLS #330894, a licensed mortgage loan officer. ProLending Mortgage, LLC (Company NMLS #262563) is licensed to conduct mortgage lending in Texas.

• License verification: NMLS Consumer Access
• File a complaint with the Texas Finance Commission or NMLS

We comply with all applicable federal and state mortgage lending laws, including TILA, RESPA, FCRA, Fair Housing Act, and Dodd-Frank Act.

6. Fair Lending & Non-Discrimination

We are committed to fair lending and do not discriminate based on race, color, national origin, religion, sex, familial status, disability, or any other protected characteristic. All applicants are evaluated using the same underwriting criteria.

If you believe you've experienced discrimination, file a complaint with:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• Federal Trade Commission (FTC): reportfraud.ftc.gov
• Texas Finance Commission: (512) 936-7600
• HUD Equal Housing Opportunity: (800) 669-9777

7. Equal Housing Opportunity

We are an Equal Housing Opportunity Lender

We are committed to ensuring equal access to credit for all applicants regardless of protected characteristics.

8. Website Use & Conduct

You agree to use this website only for lawful purposes and in ways that don't infringe on others' rights. Prohibited behavior includes:

• Harassing, threatening, or intimidating any person
• Transmitting obscene or offensive content
• Disrupting normal dialogue flow
• Attempting unauthorized system access
• Reproducing or distributing content without permission
• Automated data scraping or bot activity

Violation may result in suspension of website access.

9. Intellectual Property Rights

All content on this website—text, graphics, logos, images, calculators, interactive tools—is property of Houston Mortgage Expert or licensed to us. You may not reproduce, distribute, or transmit content without prior written permission, except for personal non-commercial use. "Houston Mortgage Expert" and related logos are trademarks. Unauthorized use is prohibited.

10. Disclaimers & Limitation of Liability

This website and all content are provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, timeliness, fitness, or non-infringement.

Our total liability for any claim is limited to the amount paid for services that are the subject of the claim.

11. Third-Party Links & Content

This website may contain links to third-party websites. We do not endorse, control, or assume responsibility for their content, accuracy, or practices. Your use is subject to their terms and privacy policies. We are not responsible for damages related to linked websites.

12. Contact Information

Mailing Address:
ProLending Mortgage, LLC
210 Odyssey Dr. STE A
Webster, TX 77598

Phone:
(832) 449-2915

Loan Officer:
Steve Kyles | NMLS #330894

To File a Complaint:
Texas Finance Commission (Consumer Complaint Department)
NMLS Consumer Access

13. Amendments & Severability

We reserve the right to amend these Terms at any time. Material changes are effective upon posting. Your continued use constitutes acceptance. If any provision is found invalid, remaining provisions remain in full effect.

14. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with Texas law, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Harris County, Texas.

Last Updated: January 2025

For questions about these Terms, contact (832) 449-2915 or visit 210 Odyssey Dr. STE A, Webster, TX 77598.