1. Acceptance of Terms

These Terms of Use govern your access to and use of the Catalpa House Mortgage website, including all associated pages, content, and services.

2. Description of Services

Catalpa House Mortgage LLC is a licensed mortgage brokerage providing loan origination, referral, and related mortgage services. Information provided on this website is for informational purposes only and does not constitute a commitment to lend.

3. Eligibility

This website is intended only for individuals who are at least 18 years old and legally capable of entering into binding agreements.

4. Not Financial, Legal, or Tax Advice

All content provided on this website is for general informational purposes only. Nothing on this website constitutes financial, legal, tax, investment, or lending advice.

Loan products, rates, terms, and availability are subject to change without notice and depend upon individual qualifications, underwriting approval, and applicable laws.

5. License to Use the Site

You are granted a limited, non-exclusive, revocable license to access and use this website solely for personal and non-commercial purposes.

You may not:

• Copy or redistribute website content without written permission
• Reverse engineer or modify website functionality
• Use automated scraping or data collection tools
• Use website content for commercial purposes
• Interfere with website security or operation

6. Intellectual Property

All website content, including text, graphics, logos, images, design elements, software, and trademarks, is the property of Catalpa House Mortgage LLC or its licensors and is protected by applicable intellectual property laws.

7. Third-Party Links

This website may contain links to third-party websites. Catalpa House Mortgage LLC does not control and is not responsible for the content, policies, or practices of third-party websites.

8. User Conduct

You agree not to:

• Provide false or misleading information
• Impersonate another person or entity
• Upload malicious software or harmful code
• Violate applicable federal, state, or local laws
• Interfere with website functionality or security

9. Submission of Information

Information submitted through forms, inquiries, or applications must be accurate and complete. You are solely responsible for the information you provide.

10. Privacy

Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as described in the Privacy Policy.

11. Disclaimer of Warranties

Catalpa House Mortgage LLC does not guarantee uninterrupted access, error-free operation, or the accuracy of website content.

12. Limitation of Liability

To the fullest extent permitted by law, Catalpa House Mortgage LLC shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from your use of the website.

13. Indemnification

You agree to defend, indemnify, and hold harmless Catalpa House Mortgage LLC and its affiliates from claims, liabilities, damages, losses, and expenses arising from your use of the website or violation of these Terms.

14. Regulatory Compliance

Catalpa House Mortgage LLC operates in compliance with applicable federal and state mortgage lending laws, including RESPA, TILA, ECOA, FHA, GLBA, CFPB regulations, and applicable state licensing requirements.

15. Section 8 Housing Choice Voucher Program

References to Section 8 on this website relate to financing and investment opportunities involving HUD-assisted housing. These references are not intended to discriminate against or exclude any class of borrowers or tenants.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Alabama.

17. Modifications and Termination

We reserve the right to modify these Terms at any time. Continued use of the website following any changes constitutes acceptance of the updated Terms.

18. Contact Information

Catalpa House Mortgage LLC
Website: www.catalpahousemortgage.com
Email: [email protected]