Terms and Conditions

Using This Site

This website belongs to Home Loans Pflugerville, a mortgage lender working in Pflugerville, TX. By reading or using the site, you agree to these terms. If you do not agree, please stop using it.

We may change these terms from time to time. The version posted here is the one that applies when you visit.

General Information, Not a Loan Offer

The pages on conventional loans, FHA loans, VA loans, USDA loans and our other programs explain how these home loans usually work. They are a starting point. Nothing here is an offer to lend, a commitment, or a pre-approval.

Whether you qualify depends on your credit, income, assets, the property and program rules at the time you apply. A loan officer has to review your situation before anyone can tell you what fits.

Rates and Terms Change

Rates, down payment rules and loan limits move, sometimes daily. Any figure or example you see on this site may be out of date by the time you read it. Your actual rate and costs come from a written disclosure after you apply, not from a web page.

How to Reach Us

The phone is the only way to contact us. Pre-qualification, a loan application or rate quotes all start with a conversation at (512) 515-9091. The site does not take applications, documents or payments online, and we will never ask you to send sensitive details through it.

Our Content

The words, layout and images on this site belong to Home Loans Pflugerville or are used with permission. You are welcome to read and share a page for personal use. Please do not copy it for a business or present it as your own.

Limits of Responsibility

We work to keep the information accurate, but we cannot promise it is complete or current. Decisions about buying, selling or refinancing should rest on advice for your own situation, not on a general article.

To the extent Texas law allows, we are not responsible for losses that come from relying on the site alone or from times when it is down or slow.

Governing Law

These terms fall under the laws of the State of Texas. Questions about them can go to us by phone, and we will explain them in plain words.