Terms of Service

Welcome to DFW Homes & Loans. By accessing or using our website, you agree to be bound by these Terms of Service (“Terms”). Please read them carefully before using our services. If you do not agree to these Terms, please do not use this website.

1. Use of Website

This website is provided for informational purposes and to facilitate communication regarding mortgage services offered by DFW Homes & Loans in Celina, Texas and surrounding areas. You agree to use this website only for lawful purposes and in accordance with these Terms. You may not use the website in any way that could damage, disable, or impair the site or interfere with any other party's use.

You must be at least 18 years of age to use this website or submit any form on this site. By using this website, you represent and warrant that you are at least 18 years old.

2. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of DFW Homes & Loans or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

3. Communication Consent

By submitting your contact information through this website, including via our contact form, consultation request, or mortgage calculator inquiry, you consent to receive communications from DFW Homes & Loans. These communications may include phone calls, emails, and text messages related to your mortgage inquiry, application status, or our services.

You understand that providing your phone number and consent is not a condition of purchasing any product or service. You may withdraw your consent to receive communications at any time by contacting us directly or by following the opt-out instructions provided in the communication.

4. SMS/Text Messaging Terms

If you opt in to receive SMS or text messages from DFW Homes & Loans by checking the SMS consent box on any form on this website, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive automated and/or pre-recorded text messages at the mobile number you provided. The following terms apply:

• Messages may include appointment reminders, document requests, loan status updates, and general service-related communications.
• Message frequency varies based on your interaction with DFW Homes & Loans and the status of your mortgage inquiry or application.
• Message and data rates may apply. Please check with your mobile carrier for details on your messaging plan.
• You can opt out at any time by texting STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message and will no longer receive text messages unless you opt in again.
• You can get help by texting HELP to any message you receive from us, or by contacting us at the information below.
• Carriers are not liable for delayed or undelivered messages.

Opt-In Data & Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Your phone number and opt-in status are used solely to deliver the messages you have consented to receive.

Age & Account Holder Requirement

You must be at least 18 years of age to opt in to SMS messaging from DFW Homes & Loans. By opting in, you confirm that you are the account holder or authorized user of the mobile number provided.

For full details on how we collect, use, and protect your information, please review our Privacy Policy.

5. Mortgage Disclaimers

The information provided on this website is for educational and informational purposes only. Nothing on this website constitutes a commitment to lend, a guarantee of loan approval, or an offer of specific loan terms or interest rates. All mortgage loans are subject to credit approval, verification of information, and applicable underwriting guidelines.

Programs, rates, terms, and conditions are subject to change without notice and may not be available in all areas or for all loan amounts. Any rates, payments, or examples shown on this website are for illustrative purposes only and do not represent a specific loan offer.

Rate Lock & Pricing

Interest rates and annual percentage rates (APR) displayed on this website are subject to change at any time without notice. Rates shown are not guaranteed until locked in writing pursuant to a formal rate lock agreement. A rate lock is not available until a complete loan application has been submitted and accepted.

Loan Estimates & Calculators

Any mortgage calculators, payment estimators, or pre-qualification tools available on this website are provided for informational and educational purposes only. Results are estimates based on the information you provide and do not represent a loan offer, pre-approval, or guarantee of any terms. Actual loan terms, rates, and payments may vary based on your complete application, credit profile, property appraisal, and other factors.

Third-Party Loan Products

Mortgage products and programs referenced on this website are offered through third-party lenders and investors. DFW Homes & Loans assists borrowers in connecting with lending partners and facilitating the application process. Final loan terms, approval, and funding decisions are made by the applicable lender or investor.

6. Equal Housing Opportunity

DFW Homes & Loans is committed to the letter and spirit of the federal Fair Housing Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other characteristic protected by federal, state, or local law.

All mortgage services are provided in compliance with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and applicable state fair lending laws. If you believe you have been discriminated against in connection with a mortgage transaction, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) or the Consumer Financial Protection Bureau (CFPB).

7. Financial Privacy (GLBA)

In accordance with the Gramm-Leach-Bliley Act (GLBA), we protect the confidentiality and security of nonpublic personal information collected in connection with mortgage applications and services. We do not disclose nonpublic personal information to non-affiliated third parties except as permitted by law, including for the purpose of servicing your loan, processing your application, or as required by regulatory authorities.

8. Disclaimer of Warranties

This website and all content, materials, and services provided through it are offered on an “as is” and “as available” basis without warranties of any kind, either express or implied. DFW Homes & Loans disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, reliability, or completeness of any information on this website. Any reliance you place on such information is strictly at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, DFW Homes & Loans, its owner Tony Botchev, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to these Terms or your use of this website shall not exceed the amount you paid to DFW Homes & Loans for services in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless DFW Homes & Loans, Tony Botchev, and their respective officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of this website, your violation of these Terms, or your violation of any rights of another party.

11. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not control these websites and are not responsible for their content, privacy policies, or practices. Accessing third-party sites is at your own risk. The inclusion of any link does not imply endorsement by DFW Homes & Loans.

12. Dispute Resolution & Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or validity thereof shall first be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may elect to submit the matter to binding arbitration in accordance with the rules of the American Arbitration Association (AAA).

Arbitration shall take place in Celina, TX. Each party shall bear its own costs of arbitration, and the arbitrator's decision shall be final and binding. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

13. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. To the extent any matter is not subject to arbitration as described above, any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Texas. DFW Homes & Loans operates from Celina, Texas.

14. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website with an updated “Last Updated” date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Contact Information

If you have questions about these Terms of Service, please contact us: