Terms of Use

Application Ownership

This website and related online services are owned and operated by Florida Homes & Loans Inc., 728 West Ave, PMB 4017, Cocoa, FL 32927.

Florida Homes & Loans Inc. is a Florida-licensed real estate brokerage. Mortgage financing services are offered through FHL Mortgages, NMLS #2295908.

Permitted Use

You may use this website only for lawful purposes related to real estate services, mortgage financing inquiries, property searches, communication with our team, and other legitimate business purposes.

You agree not to use this website in any manner that is unlawful, harmful, fraudulent, abusive, defamatory, disruptive, or that interferes with the operation of the website or the rights of others.

Age Requirement

You may only access or use this website and submit information to us if you are at least eighteen (18) years of age.

Real Estate and Mortgage Services Disclosure

Real estate brokerage services are offered through Florida Homes & Loans Inc. Mortgage financing services are offered through FHL Mortgages. Real estate licensees are not licensed mortgage loan originators unless separately licensed and authorized.

Information provided through this website is for informational purposes only and should not be construed as legal, tax, appraisal, title, insurance, investment, lending, or financial advice.

No Commitment to Lend or Approve

Any mortgage-related information provided through this website is for informational purposes only and does not constitute a loan approval, pre-approval, commitment to lend, rate lock, guarantee of financing, or offer of credit. All loans are subject to credit approval, underwriting guidelines, investor requirements, program eligibility, property approval, and applicable laws.

All loan approvals, qualifications, rate locks, deposit arrangements, refunds, and related mortgage terms must be confirmed in writing by an authorized representative.

Mortgage Calculators and Home Value Tools

Mortgage calculators, affordability tools, payment estimators, home value estimates, and similar tools are provided for informational purposes only. Results are estimates and may not include taxes, insurance, mortgage insurance, homeowners association dues, flood insurance, closing costs, or other applicable expenses.

Home value estimates are not appraisals and are not prepared by a licensed or certified appraiser. They should not be relied upon for mortgage loan origination, listing price decisions, purchase decisions, tax appeals, or any other financial purpose.

User Submissions

By submitting information, comments, testimonials, reviews, suggestions, inquiries, or other content to Florida Homes & Loans Inc. or FHL Mortgages, you represent that the information is accurate, lawful, and does not infringe the rights of any third party.

You agree that non-confidential suggestions, testimonials, comments, or ideas submitted to us may be used by the Company for business, marketing, operational, or service improvement purposes, subject to applicable privacy and advertising laws.

Testimonials and Reviews

By submitting a testimonial or review, you grant Florida Homes & Loans Inc. permission to use the testimonial, review, name, image, likeness, or related content for marketing or publicity purposes, unless prohibited by law or otherwise agreed in writing.

Artificial Intelligence and Automated Technologies

Florida Homes & Loans may use artificial intelligence ("AI"), automated tools, chat features, analytics platforms, and other technologies to assist with customer service, content creation, administrative functions, marketing, communication, and operational processes.

Information generated by automated technologies is provided for convenience and informational purposes only and should not be relied upon as legal, tax, financial, real estate, or mortgage advice. Mortgage and real estate decisions should be reviewed with an appropriately licensed professional.

Time-Sensitive Instructions

Do not use this website, chat tools, contact forms, email, or messaging features to communicate time-sensitive instructions related to a loan, loan application, closing, rescission, cancellation, rate lock, or other urgent transaction matter. Such instructions may not be received, reviewed, or honored unless expressly confirmed in writing by an authorized representative.

Credit Reports

By submitting a mortgage application or applying for credit, you may authorize FHL Mortgages or its lending partners to obtain a consumer credit report. A credit inquiry may appear on your credit report and may affect your credit score.

Electronic Communications and E-Signatures

General communications through this website, chat, text message, or email are not intended to constitute an electronic record, electronic signature, loan approval, binding agreement, or consent to conduct a transaction electronically unless specific e-signature procedures are used and applicable disclosures are provided.

Your assent to a "click to accept" button, checkbox, electronic signature platform, or similar method may be legally binding where permitted by law.

Recording and Monitoring of Communications

Communications with us through telephone, email, text, chat, website forms, portals, or other methods may be monitored, recorded, retained, and reviewed for quality assurance, training, compliance, fraud prevention, dispute resolution, and regulatory purposes.

Contact Methods and Opt-Out

By voluntarily providing your contact information, you consent to being contacted by Florida Homes & Loans Inc., FHL Mortgages, and authorized representatives regarding your inquiry, transaction, services requested, or related matters. Communications may include telephone calls, emails, text messages, automated communications, or prerecorded messages where permitted by law.

Message and data rates may apply. Consent to marketing communications is not required as a condition of obtaining services. You may opt out of text messages by replying STOP, or you may contact us at info@floridahomesandloans.com.

Accuracy of Information

When submitting an inquiry, application, request for information, or transaction-related documentation, you agree to provide accurate, true, current, and complete information. You also agree to notify us promptly of any material changes to information submitted in connection with your inquiry, application, or transaction.

Your Cooperation

If you submit a mortgage inquiry or application, you agree to cooperate in the application process, including providing required documentation in a timely manner and authorizing us or applicable lending partners to obtain information from third parties such as employers, financial institutions, credit reporting agencies, title companies, settlement agents, and other transaction participants.

Third-Party Links

This website may contain links to third-party websites, mortgage portals, property search tools, social media platforms, lenders, service providers, vendors, or other external services. Florida Homes & Loans Inc. does not control and is not responsible for the content, security, availability, privacy practices, calculations, products, services, or materials available through third-party websites.

User IDs and Passwords

Certain areas or features may require a user identification, password, or secure login credentials. You are responsible for maintaining the confidentiality of your login information and for all activity occurring through your account. You agree to notify us immediately if you believe your credentials have been lost, stolen, compromised, or used without authorization.

Cybersecurity and Sensitive Information

Although Florida Homes & Loans maintains reasonable administrative, technical, and physical safeguards, electronic communications may not be completely secure. You should avoid transmitting sensitive personal, financial, or mortgage documentation through unsecured channels unless directed to use an approved secure portal or transmission method.

Website Accessibility

Florida Homes & Loans is committed to providing an accessible website experience. Individuals requiring assistance accessing website content, forms, tools, or services may contact the Company using the contact information listed below.

Prohibited Conduct

You agree not to use this website to transmit spam, viruses, harmful code, unlawful content, abusive content, discriminatory content, obscene material, threats, harassment, defamatory statements, or content that infringes intellectual property, privacy, or other rights of any person or entity.

You also agree not to attempt to gain unauthorized access to our systems, interfere with website functionality, harvest information, impersonate another person, misrepresent your affiliation with any party, or use this website in a manner that could harm Florida Homes & Loans Inc., FHL Mortgages, consumers, vendors, or third parties.

Intellectual Property

All content on this website, including text, graphics, logos, images, designs, layouts, tools, and other materials, is owned by or licensed to Florida Homes & Loans Inc. and may be protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or use website content for commercial purposes without written permission.

Disclaimer of Warranties

This website and all content, tools, calculators, estimates, forms, and services available through it are provided "as is" and "as available" without warranties of any kind, either express or implied. Florida Homes & Loans Inc. disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and uninterrupted operation.

Limitation of Liability

To the fullest extent permitted by law, Florida Homes & Loans Inc., FHL Mortgages, affiliates, owners, employees, representatives, vendors, and licensors shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising out of or related to your use of, or inability to use, this website or any content, tools, services, or third-party links available through it.

Indemnification

You agree to indemnify and hold harmless Florida Homes & Loans Inc., FHL Mortgages, affiliates, vendors, licensors, employees, officers, directors, agents, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses, including attorneys' fees, arising out of your use of this website, your violation of these Terms of Use, or your violation of any rights of another party.

Revisions and Modifications

Florida Homes & Loans Inc. may revise these Terms of Use at any time. Updates become effective when posted unless otherwise stated. Your continued use of this website after updates are posted constitutes your acceptance of the revised Terms of Use.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any action arising out of or relating to these Terms of Use or use of this website shall be filed in the state or federal courts located in Brevard County, Florida, unless otherwise required by applicable law.

Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity or enforceability of the remaining provisions.

Equal Opportunity Employer

Florida Homes & Loans Inc. is an equal opportunity employer. Questions or concerns regarding employment practices may be directed to the Company using the contact information below.