LowRate Home Loans, Inc.
Website Terms & Conditions
Effective Date: July 18, 2026
Applies to: www.lowratehomeloans.com
These Terms & Conditions govern access to and use of the LowRate Home Loans, Inc. website. By accessing or using this website, you agree to these Terms. If you do not agree, please discontinue use.
1. Company Information
LowRate Home Loans, Inc. is a Texas residential mortgage brokerage licensed to conduct mortgage brokerage activities only within the State of Texas. Company NMLS ID: 2678663. Les Tuttle, NMLS ID: 313115.
2. Informational Purposes Only
The website is intended to provide general educational information regarding mortgage products and home financing. Nothing on the website constitutes legal, tax, accounting, investment, or financial advice.
3. No Commitment to Lend
Nothing on this website constitutes a commitment to lend, loan approval, rate lock, or guarantee that financing will be available. All loans remain subject to underwriting, credit approval, appraisal, investor requirements, and applicable law.
4. Mortgage Calculator Disclaimer
Mortgage calculators, payment estimates, affordability tools, and similar resources are provided solely for convenience. Results are estimates only and are not Loan Estimates, Closing Disclosures, rate quotes, or lending commitments.
5. Interest Rate Disclaimer
Mortgage interest rates, APRs, fees, and product availability may change without notice and vary based on borrower qualifications and market conditions.
6. Third-Party Services
The website may direct users to the Arive loan application platform and other third-party websites. LowRate Home Loans is not responsible for the content, availability, privacy practices, or functionality of third-party websites.
7. Intellectual Property
All website content, logos, graphics, branding, written materials, and original marketing content are the property of LowRate Home Loans, Inc. unless otherwise noted and may not be reproduced without written permission.
8. User Conduct
Users agree not to misuse the website, interfere with security, submit false information, introduce malicious software, or attempt unauthorized access.
9. Communications
Submission of a contact form does not establish a client relationship or guarantee loan approval. Separate consent may be required for marketing calls, emails, and text messages.
10. Limitation of Liability
To the fullest extent permitted by law, LowRate Home Loans, Inc. shall not be liable for indirect, incidental, consequential, or special damages arising from use of the website or reliance upon its content.
11. Governing Law
These Terms are governed by the laws of the State of Texas. Any disputes shall be interpreted under applicable Texas and federal law.
12. Changes
LowRate Home Loans may modify these Terms at any time. Updated versions will be posted with a revised effective date.
13. Contact Information
LowRate Home Loans, Inc.
3502 Harbor Pointe Drive
Rowlett, TX 75088
Phone: (214) 221-4008
Email: les@lowratehomeloans.com