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Terms of Service

Welcome to http://www.physicianshomemortgage.com/ . These Terms and Conditions (“Terms”) govern your access to and use of this Website, which is operated by Physicians Home Mortgage (“we,” “us,” or “our”).
By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable US laws and regulations. If you do not agree, please do not use this Website.

1. Scope of Services
Physicians Home Mortgage is a mortgage broker. We do not fund loans directly, nor do we issue final credit approvals. We assist borrowers in identifying, evaluating, and applying for residential mortgage loans offered by third-party wholesale lenders.

2. No Offer to Lend or Guarantee
The information, calculators, and materials provided on this Website are for informational and educational purposes only. Nothing on this Website constitutes an advertisement for a specific interest rate, an offer to extend credit, or a guarantee of loan approval. All loan programs, rates, and terms are subject to credit approval, property appraisal, underwriting guidelines, and market availability.

3. User Representations and Conduct
By using this Website, you represent and warrant that:

  • You are at least 18 years of age and possess the legal authority to enter into an agreement.
  • All information you provide to us through online forms, applications, or communications is accurate, current, and complete.
  • You will not use this Website for any fraudulent, unauthorized, or illegal purposes.

4. Intellectual Property
All content on this Website—including text, graphics, logos, images, digital downloads, data compilations, and software—is the exclusive property of Physicians Home Mortgage or its content suppliers and is protected by US and international copyright, trademark, and intellectual property laws. You may view and download material for personal, non-commercial use only.

5. Third-Party Links and Services
Our Website may contain links to external web sites, tools, or resources (such as secure document upload portals or credit authorization tools) operated by third parties. We do not control, endorse, or assume responsibility for the content, privacy policies, or business practices of these third-party platforms.

6. Disclaimer of Warranties
This Website and all information, tools, and content herein are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that the Website will operate uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability
To the maximum extent permitted by applicable law, Physicians Home Mortgage, its officers, employees, or agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this Website, even if we have been advised of the possibility of such damages.

8. Indemnification
You agree to indemnify, defend, and hold harmless Physicians Home Mortgage, its affiliates, officers, and employees from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms or your misuse of the Website.

9. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert Business State, e.g., Texas/California], without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in [Insert County and State].

10. Modifications to Terms
We reserve the right to revise and update these Terms and Conditions at any time without prior notice. Your continued use of the Website following the posting of changes constitutes your acceptance of the updated Terms.

11. Contact Information
For questions regarding these Terms and Conditions, please contact us at:

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