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Terms and Conditions

NOTICE

Please thoroughly review these terms and conditions. They are crucial as they govern your use of the website www.FreedomHL.com, our mobile website, and all associated online services (collectively referred to as the “Site”), provided by Freedom Home Loans. By accessing the Site, you consent to abide by these terms and conditions.

Acceptance of these terms also implies agreement with our Privacy Policy, which is integrated into these terms and conditions. If you disagree with any part of these terms and conditions, please refrain from using the Site.

Content and Information on Loan Terms, Fees, Conditions, and Limitations The Site may offer general information about our products and services. Freedom Home Loans reserves the right to modify or discontinue any information, products, licenses, or services detailed on the Site at any time without notice. Published information is valid as of its date only and there is no commitment to update or amend it. While we strive for accuracy, we cannot guarantee the completeness, accuracy, or timeliness of the information on our website and mobile app.

The information on the Site does not constitute an offer to lend. Loan applications are subject to full documentation, underwriting approval, and collateral requirements. Not all applicants will be approved. Loans are secured by property liens. Fees, terms, conditions, and restrictions vary based on state, product, and loan amount. Interest rates are subject to change. The rate at application may not be available at loan commitment, lock-in, or closing if not locked in. Additional tax and insurance payments are required. Refinancing may increase total finance charges over the loan’s life. Specific loan details are outlined in the loan documents, which solely establish borrower rights and obligations. Contact us for more information.

Freedom Home Loans is an independent entity, not affiliated with any government body or other organizations. We do not offer legal, tax, or investment advice.

Specific loan types such as FHA and VA loans have unique requirements and limitations. Please refer to our website for detailed information on these products.

Copyright and Trademarks

All content on the Site, including text, graphics, logos, icons, buttons, and software, is owned by Freedom Home Loans. Unauthorized use of any content for purposes other than obtaining a mortgage loan from Freedom Home Loans is strictly prohibited.

The content on the Site is protected by copyright, patent, trademark, privacy, publicity laws, and communication regulations and statutes. We grant a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access and view the content for personal, non-commercial use in accordance with these terms and conditions.

Links

The Site may include links to third-party websites. Freedom Home Loans disclaims liability for any content, products, or services on these external sites. We do not endorse or assume responsibility for third-party sites, which may have different terms and conditions. We reserve the right to remove these links at any time.

Accessing the Site The Site is intended for users over 18 years old and in jurisdictions where use is permissible. We may restrict access in certain countries. Users are responsible for compliance with local laws.

User Submissions

Any content you submit through the Site grants us a non-exclusive, perpetual, worldwide, royalty-free license to use, reproduce, distribute, and modify that content.

Communications

Communications via email are not secure, and risks include unauthorized access and failure to receive emails. Do not rely on email for urgent communications.

Security

We take steps to protect users but cannot guarantee absolute security over the Internet. We are not responsible for viruses or unauthorized access to your information.

Warranties, Limitations of Liability, Indemnification

The Site is provided “as is” without warranties. We are not liable for any damages related to your use of the Site. You agree to indemnify us against any claims arising from your use of the Site.

Other Terms and Conditions

These terms are governed by U.S. laws. Any legal action related to these terms must commence within one year of cause. These terms and our Privacy Policy constitute the entire agreement regarding the Site.

Changes to These Terms and Conditions

We may amend these terms and will notify you of any changes. Continued use of the Site after changes implies your agreement to the revised terms.