Welcome to fhahomeloans.services (the "Website"), operated by Valley West Mortgage ("we," "us," "our," or "Company"). By accessing or using this Website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Website.
These Terms govern your access to and use of our Website, including any content, functionality, services, and features offered on or through the Website.
By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Valley West Mortgage.
If you are using the Website on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and your acceptance of these Terms will be treated as acceptance by that organization.
We reserve the right to modify these Terms at any time.
When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Website after any modifications constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically to stay informed of any updates. If you do not agree to the modified Terms, you must discontinue use of the Website immediately.
You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
You may use this Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:
This Website is a lead-generation platform designed to connect prospective borrowers with Valley West Mortgage for FHA and VA home loan products. We provide:
IMPORTANT: This Website does not provide loan commitments, approvals, or guarantees. All loan applications are subject to underwriting review, verification of financial information, and approval by Valley West Mortgage.
Submitting an inquiry through this Website does not constitute a loan application or guarantee that you will be approved for a loan. Actual loan terms, rates, and amounts may vary based on your individual financial circumstances, creditworthiness, property type, and market conditions.
We strive to provide accurate and up-to-date information on this Website. However, loan rates, terms, product features, and other information are subject to change without notice. The information provided on this Website is for general informational purposes only and should not be considered financial, legal, or tax advice.
You agree to provide accurate, current, and complete information when submitting inquiry forms or communicating with Valley West Mortgage. Providing false, misleading, or incomplete information may result in delays, denials, or termination of services.
If we provide you with login credentials or account access in the future, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
By submitting your contact information through this Website, you expressly consent to receive communications from Valley West Mortgage via phone, email, and SMS text message, including through automated dialing technology and prerecorded messages. This consent is not required as a condition of purchasing any goods or services.
You agree not to engage in any of the following prohibited activities:
Providing false information, impersonating others, or engaging in any fraudulent conduct
Transmitting viruses, malware, or any other malicious code
Attempting to gain unauthorized access to any portion of the Website or our systems
Using automated systems, bots, or scrapers to access the Website
Reproducing, copying, or distributing any content from the Website without permission
Harassing, abusing, or threatening our employees or other users
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, logos, trademarks, and the selection and arrangement thereof) are owned by Valley West Mortgage, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. You may not:
"Valley West Mortgage," our logo, and other marks indicated on the Website are trademarks or service marks owned by Valley West Mortgage. You may not use these marks without our prior written permission.
This Website may contain links to third-party websites, services, or resources that are not owned or controlled by Valley West Mortgage. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that Valley West Mortgage shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services available on or through any third-party websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
THE WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING.
VALLEY WEST MORTGAGE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE WEBSITE, UNLESS OTHERWISE SPECIFIED IN WRITING.
The information provided on this Website is for general informational and educational purposes only. It is not intended to be, and should not be construed as, financial, legal, or tax advice. You should consult with a qualified professional advisor before making any financial decisions.
While we strive to provide accurate and up-to-date information, we make no representations or warranties as to the accuracy, completeness, or timeliness of any information on the Website. Loan rates, terms, and product features are subject to change without notice.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VALLEY WEST MORTGAGE, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEBSITE.
You agree to defend, indemnify, and hold harmless Valley West Mortgage, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use the Website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
You may terminate your use of the Website at any time by discontinuing access to the Website and ceasing all use of the Website.
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions.
You agree that any legal action or proceeding arising out of or relating to these Terms or the Website shall be brought exclusively in the federal or state courts located in Clark County, Nevada, and you irrevocably consent to the personal jurisdiction and venue of such courts.
In the event of any dispute, claim, question, or disagreement arising from or relating to these Terms or the breach thereof, the parties shall use their best efforts to settle the dispute through good faith negotiations.
If the parties are unable to resolve the dispute through negotiation, either party may pursue legal action in accordance with the jurisdiction and venue provisions above.
To the extent permitted by applicable law, you agree to waive your right to participate in a class action lawsuit or class-wide arbitration. Any disputes must be brought on an individual basis.
If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us:
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
These Terms and our Privacy Policy constitute the sole and entire agreement between you and Valley West Mortgage regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
No waiver by Valley West Mortgage of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction.
BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE WEBSITE.
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For questions about these Terms of Service, please contact us at [email protected]