These Terms & Conditions (“Terms”) govern the use of the services provided by Hacienda Financial Group LLC (“Company,” “we,” “us,” or “our”) for individuals seeking mortgage-related services (“you,” “your”). By submitting information, inquiries, or a mortgage application through our website, landing pages, or communication platforms, you agree to be bound by these Terms. If you do not agree, please do not use our services.

 

1. Mortgage Application Process

Hacienda Financial Group LLC provides access to mortgage brokerage services, including the ability to submit information for mortgage prequalification, preapproval, or loan evaluation. By submitting an application or inquiry, you agree to provide accurate, current, and complete personal and financial information. Providing false or incomplete information may result in delays, denial of services, or termination of your application.

 

2. Eligibility Requirements

To apply for mortgage-related services, you must meet certain eligibility requirements, which may include but are not limited to:

• Being a legal adult

• Having a valid Social Security Number or other acceptable identification

• Meeting applicable credit, income, asset, and residency requirements

Hacienda Financial Group LLC reserves the right to decline any application that does not meet applicable guidelines or lender requirements.

 

3. Loan Terms and Conditions

Hacienda Financial Group LLC is a mortgage brokerage and does not directly fund loans. If you are approved for a mortgage, the specific loan terms, including interest rates, loan amounts, fees, and repayment schedules, will be provided by the lender in a separate loan agreement.

All loan approvals are subject to underwriting review, lender guidelines, market conditions, and verification of information provided. Submission of an application does not guarantee loan approval or specific loan terms.

 

4. Payments and Fees

Any payments, fees, or obligations related to an approved mortgage loan will be governed by the terms outlined in the lender’s loan agreement. Hacienda Financial Group LLC is not responsible for servicing loan payments unless explicitly stated in writing.

Late payments, penalties, or fees are determined by the lender and disclosed in your loan documents.

 

5. Account Security

You are responsible for maintaining the confidentiality of any login credentials, access links, or sensitive information related to your application. If you believe your information has been compromised or suspect unauthorized activity, you agree to notify us promptly.

 

6. Prohibited Use

You agree not to use our services for any unlawful, fraudulent, or unauthorized purpose. This includes attempting to gain unauthorized access to our systems, misrepresenting information, or interfering with website or platform functionality.

 

7. Limitation of Liability

To the fullest extent permitted by law, Hacienda Financial Group LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services, submission of an application, or reliance on information provided. We are not responsible for delays, errors, or failures caused by third parties, lenders, technology providers, or circumstances beyond our control.

 

8. Dispute Resolution

Any dispute arising from or related to these Terms or our services shall be resolved through binding arbitration in accordance with the laws of the State of Texas. By agreeing to these Terms, you waive the right to a jury trial or participation in a class action lawsuit.

 

9. Amendments to These Terms

Hacienda Financial Group LLC reserves the right to modify or update these Terms at any time. Changes will be posted on our website with an updated effective date. Continued use of our services constitutes acceptance of the revised Terms.

 

10. Termination

We reserve the right to suspend or terminate access to our services at any time, with or without notice. Termination of access does not affect the terms of any loan agreement entered into with a lender.

 

11. Contact Information

If you have questions regarding these Terms & Conditions, please contact us at:

Hacienda Financial Group LLC
2323 South Voss Road
Suite #510-01
Houston, Texas 77057

Phone: (281) 671-7995
Email: info@hfgtx.net

 

SMS Terms & Conditions

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1. SMS Consent Communication

By providing your phone number and consenting to receive SMS messages from Hacienda Financial Group LLC, you agree to receive text messages related to our mortgage brokerage services. Phone numbers collected for SMS communication will not be shared with third parties for their marketing purposes.

 

2. Types of SMS Communications

If you consent to receive SMS messages, you may receive messages related to:

• Loan application updates

• Requests for documentation

• Appointment confirmations and reminders

• Mortgage-related educational information

• Service-related notifications

Example messages:
“Hello, this is a reminder from Hacienda Financial Group regarding your upcoming appointment on [Date] at [Time]. Reply STOP to opt out.”
“Thank you for working with Hacienda Financial Group. We’ve received your information and will be in touch soon.”

 

3. Message Frequency

Message frequency may vary based on your interaction with our services. You may receive up to 4 messages per week, depending on your application status and communication preferences.

 

4. Potential Fees for SMS Messaging

Standard message and data rates may apply based on your mobile carrier’s plan. Hacienda Financial Group LLC is not responsible for any messaging charges incurred.

 

5. Opt-In Methods

You may opt in to receive SMS messages through:

• Online forms or landing pages

• Verbal consent during a phone conversation

• Written consent on applicable forms

 

6. Opt-Out Method

You may opt out of SMS messages at any time by replying STOP to any message. You may also contact us directly at (281) 671-7995 to request removal from SMS communications.

 

7. Help

For assistance:

• Reply HELP to any SMS message

• Contact us at (281) 671-7995

• Email info@hfgtx.net

 

8. Standard Messaging Disclosures

• Message and data rates may apply

• You can opt out at any time by texting STOP

• Message frequency may vary

• Text HELP for assistance

 

9. SMS Opt-In Language

By checking the SMS consent box on our forms, you agree to receive SMS messages from Hacienda Financial Group LLC related to mortgage applications, appointment reminders, service communications, and mortgage-related information. You may reply STOP to opt out at any time. Reply HELP for assistance at (281) 671-7995. Message and data rates may apply.