Website Terms of Use

Please read these Terms of Use carefully before using the Excel Home Loans website. By accessing or using this site, you agree to be bound by the terms and conditions below.

1. Acceptance of Terms

These Website Terms of Use (the "Terms") govern your access to and use of the website located at excelhomeloans.com and any related pages, content, features, tools, or services made available through this site (collectively, the "Site"). The Site is owned and operated by Excel Home Loans ("Excel Home Loans," "we," "us," or "our").

By accessing, browsing, or using the Site in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must not access or use the Site.

We may update or modify these Terms from time to time. Changes are effective when posted on the Site unless otherwise stated. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

2. Eligibility and Intended Audience

The Site is intended for use by individuals who are 18 years of age or older and who reside in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements and that you will use the Site only for lawful purposes and in compliance with these Terms and all applicable laws and regulations.

3. Changes to the Site

We may, at any time and without notice, modify, suspend, or discontinue any part of the Site, including any content, features, or availability of loan products or services described on the Site. We will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Site or any part thereof.

4. No Commitment, No Advice, and No Guarantee of Approval

Content on the Site is provided for general informational and marketing purposes related to mortgage and home loan services. Nothing on this Site is, or should be construed as, a commitment to lend, an offer to extend credit, or a guarantee that you will be approved for a mortgage or any particular loan program, rate, or terms. All loan applications are subject to credit approval, underwriting guidelines, verification of information provided, and availability of programs at the time of underwriting and closing.

Nothing on this Site is intended to constitute, and you should not rely on it as, financial, legal, tax, or accounting advice. You are encouraged to consult with your own financial advisor, attorney, tax professional, or other qualified advisor regarding your specific situation before making any decisions related to a mortgage or home financing.

5. Rates, Terms, and Accuracy of Information

We strive to provide accurate and up-to-date information about our mortgage and home loan products, including descriptions of programs, eligibility criteria, and educational resources. However, information presented on the Site, including but not limited to rates, fees, loan terms, and product availability, is subject to change at any time without notice and may not reflect the most current terms or conditions. Any rate quotes, payment estimates, or calculators on the Site are for illustrative purposes only and do not constitute a loan approval or rate lock.

We do not warrant that any information on the Site is complete, accurate, current, or error-free. Any reliance you place on information found on the Site is strictly at your own risk. Actual loan terms will be provided in specific disclosures and agreements if you proceed with a loan application and are approved for a loan product.

6. Use of the Site and User Responsibilities

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree that you will not:

Use the Site in any way that violates applicable federal, state, or local laws or regulations;
Provide any false, inaccurate, or misleading information in connection with an inquiry, pre-qualification request, or application;
Attempt to gain unauthorized access to any portion or feature of the Site, or to any systems or networks connected to the Site;
Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our prior written permission;
Introduce any viruses, malware, or other harmful code that could affect the operation of the Site or any user’s access to the Site;
Interfere with or disrupt the operation of the Site or servers or networks connected to the Site.

If you create or are provided with any login or account credentials in connection with the Site, you are responsible for maintaining the confidentiality of those credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account or any other breach of security.

7. Intellectual Property and License

The Site and all content, features, and functionality (including, without limitation, text, graphics, logos, icons, images, audio clips, video clips, calculators, software, and the design, selection and arrangement thereof) are owned by Excel Home Loans, its licensors, or other providers of such material and are protected by U.S. and international copyright, trademark, and other intellectual property or proprietary rights laws.

You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use in connection with evaluating our mortgage and home loan services. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on our Site, except as incidental to normal web browsing or as expressly permitted in writing by us.

8. Third-Party Links and Tools

The Site may contain links to third-party websites, resources, or tools that are not owned or controlled by Excel Home Loans. These links are provided for your convenience and informational purposes only. We do not endorse, and are not responsible or liable for, the content, products, services, privacy practices, or availability of any third-party sites or resources.

If you access any third-party websites or services through links on the Site, you do so at your own risk and subject to the terms and policies of those third parties. We recommend that you review the applicable terms and privacy policies of any third-party site you visit.

9. Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, EXCEL HOME LOANS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL EXCEL HOME LOANS OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT OR SERVICES PROVIDED THROUGH THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT ANY LIABILITY IS FOUND DESPITE THE FOREGOING, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED, IN THE AGGREGATE, ONE HUNDRED U.S. DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Excel Home Loans, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) your access to or use of the Site; (b) your violation of these Terms; (c) your violation of any rights of a third party, including intellectual property or privacy rights; or (d) any inaccurate, incomplete, or misleading information you provide. We reserve the right, at our expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claim. This indemnification obligation will survive termination of your use of the Site and these Terms.

12. SMS Disclaimer - By submitting your information through our contact form on the "Contact Us" page, you Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from Excel Home Loans PLLC. Message frequency varies. Message & data rates may apply. Text HELP to +1 602-635-3145 for assistance. You can reply STOP or UNSIBSCRIBE to unsubscribe at any time.

*Carrier Message and Data Rates may apply. Carriers ARE NOT responsible for the messages transmitted.