Terms and Conditions

Using This Website

This website belongs to Home Loans Sunset Valley, a mortgage lender working with borrowers in Sunset Valley, TX and the surrounding area. By reading these pages, you agree to the terms below. If you would rather not agree, please stop using the site.

The site is informational. It has no accounts, no online applications and no forms. The only way to reach us is by phone at (512) 746-0139.

General Information, Not a Loan Offer

Our pages describe loan types such as conventional, FHA, VA and USDA loans, along with HELOC, bridge, bank statement and hard money options. These descriptions are general. Program rules, down payment requirements and eligibility can change, and they apply differently to each borrower.

Nothing on this site is a commitment to lend, a rate lock or a promise that you will qualify. Treat it as a starting point for a conversation, not as financial, tax or legal advice.

Rates, Pre-Qualification and Approval

Any rate discussed on the site or on a call depends on your credit, income, the property, the loan amount and market conditions on the day it is quoted. A rate quote by phone is an estimate until it is locked in writing.

Pre-qualification is an early look at what may be possible. It is not a pre-approval or a final loan decision. Approval comes only after a full application, documentation and underwriting review, and every closing is subject to the written terms in your loan documents.

When You Call Us

You decide what to share on a call. A loan officer may ask about income, assets and the property you have in mind so the answers fit your situation. How we handle that information is described on our Privacy Policy page.

Content and Links

The words and layout of this site belong to Home Loans Sunset Valley. You are welcome to read, print or share pages for personal use, but please do not copy them for commercial purposes. We take care to keep information accurate, yet pages may fall out of date, and we may change or remove content at any time without notice.

Limits of Responsibility

The site is provided as it is. To the extent Texas law allows, we are not responsible for losses that come from relying on general website content instead of advice given for your specific loan. We also cannot promise the site will always be available or free of technical errors.

Changes and Governing Law

We may update these terms from time to time, and the version posted here is the one that applies. These terms are governed by the laws of the State of Texas. Questions about them are welcome by phone at (512) 746-0139.