Terms of Service

By accessing or using the website hshfinancing.com ("Website") and the services provided by Home Sweet Home Financing LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you may not use our Website or services.

These Terms constitute a legally binding agreement between you and Home Sweet Home Financing LLC.

Submission of a loan application does not guarantee approval. All loans are subject to:

• Credit approval
• Property appraisal
• Income and employment verification
• Underwriting guidelines
• Lender requirements

We reserve the right to decline any application at our discretion or based on lender requirements.

All fees, costs, and charges associated with your loan will be disclosed in accordance with federal and state law, including:

• Loan Estimate (LE)
• Closing Disclosure (CD)
• Good Faith Estimate (if applicable)

You are responsible for reviewing all disclosures and asking questions before proceeding.

We may receive compensation from lenders. This does not affect the terms of your loan.

All content on this Website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Home Sweet Home Financing LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works without our express written permission.

Our Website may contain links to third-party websites or services that are not owned or controlled by Home Sweet Home Financing LLC.

We are not responsible for the content, privacy policies, or practices of any third-party sites. You access third-party sites at your own risk.

Our Website and services are provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not warrant that:

• The Website will be uninterrupted or error-free
• Defects will be corrected
• The Website is free of viruses or harmful components
• Information provided is accurate or complete

To the fullest extent permitted by law, Home Sweet Home Financing LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Website or services.

Our total liability shall not exceed the amount of fees paid by you to us in the twelve (12) months preceding the claim.

By providing your contact information, you consent to receive communications from us via:

• Phone calls (including automated or pre-recorded calls)
• Text messages (SMS)
• Email

You may opt out at any time by replying STOP to text messages or contacting us directly.

Consent is not required as a condition of obtaining a loan.

We reserve the right to suspend or terminate your access to our Website or services at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false information

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

You agree to waive your right to a jury trial and to participate in class action lawsuits.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website.

Your continued use of our Website or services after changes are posted constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically.

Home Sweet Home Financing LLC

1213 Thackery Way
Wesley Chapel, FL 33543

Email: roberto@hshfinancing.com

Phone: (214) 833-2350