TERMS AND CONDITIONS

Effective Date: 01/01/2024

Welcome to

HomeLoansByTera.com, owned and operated by Tera Sommer, Mortgage Loan Officer | NMLS #2115126. By using this website, you agree to the following terms and conditions. Please read them carefully.

1. Use of Website

By accessing this site, you agree to use it for lawful purposes only. You may not use the site to:

Misrepresent your identity or submit false information
Violate any local, state, or federal law
Upload or transmit malicious content

2. Mortgage Information Disclaimer

All mortgage-related information provided on this website is for informational purposes only and is subject to change without notice. Rates, terms, and eligibility may vary depending on individual qualifications and market conditions. Nothing on this site constitutes a commitment to lend.

3. No Financial Advice

This website does not provide financial, legal, or tax advice. Always consult with a qualified professional regarding your specific situation.

4. Privacy

We are committed to protecting your privacy. Please refer to our Privacy Policy to understand how we collect, use, and safeguard your information.

5. Third-Party Links

This website may include links to external websites that are not maintained or endorsed by us. We are not responsible for the content or accuracy of these third-party sites.

6. Intellectual Property

All content, including text, graphics, logos, and design, is the property of HomeLoansByTera.com unless otherwise noted. You may not reproduce or use this content without prior written permission.

7. Limitation of Liability

We are not liable for any direct or indirect damages arising from your use of this website. This includes but is not limited to loss of data, interruption of service, or financial loss.

8. Changes to Terms

We may update these Terms and Conditions at any time. Any changes will be effective immediately upon posting on this page. Your continued use of the website signifies your acceptance of those changes.