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LowRate Home Loans, Inc.
Terms & Conditions

Effective Date: July 18, 2026
Applies to: www.lowratehomeloans.com 

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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8. User Conduct

Users agree not to misuse the website, interfere with security, submit false information, introduce malicious software, or attempt unauthorized access.

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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.

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10. SMS Terms & Conditions

  1. SMS Consent Communication:
    The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

  2. Types of SMS Communications:
    If you have consented to receive text messages from LowRate Home Loans, Inc., you may receive messages related to the following:

    1. Account Notifications (Transactional)

      1. SMS Message Examples:

        1. [LowRate Home Loans, Inc.]: "Hi [First Name], this is Les Tuttle at LowRate Home Loans. We have an update regarding your home loan application. Please contact Les at 214-221-4008 or reply to this message when convenient. Reply STOP to opt out, HELP for help. Msg & data rates may apply."​

        2. ​[LowRate Home Loans, Inc.]: "Hi [Name], your mortgage application has been successfully received. We will update you on the next steps. Reply STOP to opt out, HELP for help. Msg & data rates may apply."

        3. ​[LowRate Home Loans, Inc.]: "Hi [Name], we are missing a few documents to complete your loan pre-approval. Please check your email or call us at 214-221-4008. Reply STOP to opt out, HELP for help. Msg & data rates may apply."

        4. ​[LowRate Home Loans, Inc.]: "Great news, [Name]! Your home loan has been fully approved and is ready for closing. Call 214-221-4008 if you have questions. Reply STOP to opt out, HELP for help. Msg & data rates may apply."

    2. Marketing Messages (Promotional)

      1. SMS Message Examples:

        1. [LowRate Home Loans, Inc]: "Hi [First Name]! Thinking about buying, refinancing, or just wondering what today’s mortgage market could mean for you? Les Tuttle at LowRate Home Loans is here to help you review your options. Reply to this text or call 214-221-4008 to get started. Reply STOP to opt out, HELP for help. Msg & data rates may apply."​

        2. [LowRate Home Loans, Inc.]: "Hi [Name], mortgage rates have recently dropped! If you're looking to buy or refinance, call us at 214-221-4008 to explore your options. Reply STOP to opt out, HELP for help. Msg & data rates may apply."

        3. [LowRate Home Loans, Inc.]: "Thinking about tapping into your home's equity? Ask us about our Cash-Out Refinance options today at 214-221-4008. Reply STOP to cancel, HELP for info. Msg & data rates may apply."

        4. [LowRate Home Loans, Inc.]: "Hello [Name]! Need a pre-approval letter for your house hunt this weekend? Reply to this text or call 214-221-4008 to get started! Reply STOP to opt out, HELP for help. Msg & data rates may apply."

    3. Meeting or Appointment Reminders

      1. SMS Message Example:

        1. [LowRate Home Loans, Inc]: "Hi [First Name], this is a reminder from LowRate Home Loans about your mortgage consultation meeting with Les Tuttle on [Date] at [Time]. Need to reschedule or have a question beforehand? Just reply to this message or call 214-221-4008. Reply STOP to opt out, HELP for help. Msg & data rates may apply."​

    4. Follow-up Messages

      1. SMS Message Example:

        1. [LowRate Home Loans, Inc.]: "Hi [First Name], this is Les with LowRate Home Loans. I wanted to follow up and see if you have any questions about the home loan options we discussed. Feel free to reply here or give me a call at 214-221-4008. I’m happy to help! Reply STOP to opt out, HELP for help. Msg & data rates may apply."​​

  3. Message Frequency:
    Message frequency may vary depending on the type of communication. For example, you may receive up to [5] SMS messages per week related to your account notifications, marketing, etc.

  4. Potential Fees for SMS Messaging:
    Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

  5. Opt-In Method:
    You may opt in to receive SMS messages from LowRate Home Loans, Inc. in the following ways:

    1. Verbally, during a conversation

    2. By submitting an online form

    3. By filling out a paper form

  6. Opt-Out Method:
    You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

  7. Help:
    If you are experiencing any issues, you can reply with the keyword "HELP". Or, you can get help directly from us by sending us an email at les@lowratehomeloans.com or by submitting s chat request through our website.

  8. Additional Options:
    If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

  9. Standard Messaging Disclosures:

    1. ​Message and data rates may apply.

    2. You can opt out at any time by texting "STOP."

    3. For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
      Message frequency may vary.

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11. 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.

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12. 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.

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13. Changes

LowRate Home Loans may modify these Terms at any time. Updated versions will be posted with a revised effective date.

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14. Contact Information

LowRate Home Loans, Inc.
3502 Harbor Pointe Drive
Rowlett, TX 75088
Phone: (214) 221-4008
Email: les@lowratehomeloans.com 

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