Terms and Conditions

Using This Site

This website belongs to Home Loans Kyle, a mortgage lender working with borrowers in Kyle, Texas, and the surrounding area. By reading or using the site, you agree to these terms. If you don't agree, please stop using it.

The site is here to explain the home loans we work on and how to reach us. There are no accounts, logins or online applications here.

Information, Not an Offer to Lend

Pages about conventional, FHA, VA and USDA loans, HELOCs and our other programs are general information. They are not a loan offer, a pre-approval or a promise that you will qualify.

Whether a loan works for you depends on your full file: income, credit, assets, the property and the program's own rules. Nothing on this site replaces a real conversation with a loan officer or advice from your own tax or legal professional.

Rates and Terms Change

Mortgage rates move, sometimes more than once a day. Program rules, down payment requirements and closing costs change too. Anything you read here may be out of date by the time you read it. A rate is only firm once it is locked in writing on an actual loan.

Talking With Us by Phone

The phone is the only way to reach us through this site. Rate quotes, pre-qualification and the start of a loan application are all a conversation away at (512) 881-3709. What you share on that call is used to answer your questions and work on your request.

A quote or pre-qualification given on a call is an early look based on what you told us. It is not final approval. Final terms come after we verify your information and the loan goes through underwriting.

Our Content

The words, layout and name on this site belong to Home Loans Kyle. You are welcome to read, print or share a page for personal use. Please don't copy it for another business or present it as your own.

Limits on Our Responsibility

We try to keep the site accurate and working, but we can't promise it will always be complete, current or free of errors. We are not responsible for losses that come from relying on the site alone, without speaking to us about your actual situation. If the site links to other websites, we don't control them and aren't responsible for what they say.

Texas Law and Updates

These terms are governed by the laws of the State of Texas. We may update them from time to time, and the version posted here is the one that applies. If you have a question about them, give us a call and we'll talk it through.