Effective date: July 10, 2026 · Last updated: July 10, 2026
You must be at least 18 years old and able to form a binding contract to use the Site. Your continued use of the Site constitutes acceptance of these Terms and any future modifications.
Nothing on the Site is an offer or commitment to lend, extend credit, or enter into any loan or other transaction. All loans are subject to application, credit approval, underwriting, income and asset verification, property appraisal, and program availability. Rates, terms, programs, and fees are subject to change without notice and may vary by state, loan program, and borrower qualification.
Content on the Site is provided for general informational purposes only and does not constitute financial, legal, tax, accounting, or investment advice. You should consult your own professional advisors before making any financial decision.
Hoot Home Loans, LLC is an Equal Housing Opportunity lender and conducts business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We are licensed to originate residential mortgage loans only in the states identified on our Disclosures & Licensing page, and not all products are available in all states. You may verify our licenses through NMLS Consumer Access.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial purposes. All content on the Site — including text, graphics, logos, and software — is owned by or licensed to Hoot and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.
You agree not to:
If you submit information through the Site (for example, a contact or inquiry form), you represent that the information is accurate and that you are authorized to provide it. Do not transmit Social Security numbers or other sensitive financial information through unsecured Site forms unless we specifically request it through a secure channel.
By providing your contact information and consenting on the Site, you agree that we may communicate with you electronically, including by email and text message, consistent with the consent you provide and applicable law (including the Telephone Consumer Protection Act). Message and data rates may apply; message frequency varies; reply STOP to opt out and HELP for help. Consent to receive marketing texts is not a condition of obtaining any product or service. Our SMS communications are also governed by our SMS Terms of Service.
The Site may contain links to third-party websites or resources. We provide these links for convenience only and do not endorse and are not responsible for the content, products, services, or privacy practices of any third party. Your use of third-party sites is at your own risk and subject to their terms.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY INFORMATION ON THE SITE IS ACCURATE, COMPLETE, OR CURRENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, HOOT AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).
You agree to indemnify and hold harmless Hoot and its members, officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Site or your violation of these Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules.
Nothing in these Terms limits any rights you may have under applicable consumer-protection or mortgage-lending laws.
We may modify these Terms at any time by posting the revised version on the Site and updating the “Last updated” date. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.
