Acceptance of these terms
These Terms of Use govern your access to and use of FHA203hLoans.com (the "Site"), operated by Matthew Brown, Sr. Loan Originator / Mortgage Broker. By accessing or using the Site, you agree to these terms and to the Privacy Policy. If you do not agree, do not use the Site. These terms may be updated at any time by posting a revised version; continued use after changes are posted means you accept the revised terms.
Educational information only
The content on the Site is provided for general educational and informational purposes about FHA 203(h) disaster loans, disaster mortgage relief, and related topics. It is not financial, legal, tax, insurance, or construction advice, and it is not tailored to your individual situation. Consult appropriate professionals — including your loan originator, mortgage servicer, insurer, attorney, tax advisor, and a HUD-approved housing counselor — before making decisions.
No government affiliation
The Site is an independent educational resource. It is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the Federal Emergency Management Agency (FEMA), or any other government agency. References to government programs and disaster declarations describe publicly available information. For official information, visit HUD's Section 203(h) page and FEMA's disaster declarations database.
Accuracy and currentness of information
Reasonable efforts are made to keep the Site's content accurate, but no guarantee is made that information is complete, accurate, or current. Disaster declarations, designated areas, deadlines, HUD guidelines, FHA mortgage limits, lender requirements, and state laws change frequently, and some content — especially disaster-area status — may become outdated quickly. Any examples or scenarios are illustrative only. Confirm current status and program rules for your specific situation before relying on any information from the Site.
Licensing and Equal Housing Opportunity
- Matthew Brown, Sr. Loan Originator / Mortgage Broker — NMLS #1254520
- Loan Factory, Inc. — NMLS #320841
- Globe Mortgage, Inc. — NMLS #1390856
Loans are available only in states where the loan originator and the sponsoring company are licensed. Matthew is licensed in multiple states, not all states. Licensing can be verified at NMLS Consumer Access.
Equal Housing Opportunity. Mortgage financing is offered in accordance with federal fair lending laws, without regard to race, color, religion, national origin, sex, handicap, familial status, or any other characteristic protected by law.
Texas consumer complaint notice
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR, OR A MORTGAGE COMPANY OR MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATOR, SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER OR MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.
Third-party links, liability, and governing law
Third-party links. The Site contains links to third-party websites, including the pre-approval application, scheduling tools, government sites, and related educational sites. Those sites are not controlled by the Site's operator, and no responsibility is accepted for their content, policies, availability, or practices. Your use of them is at your own risk and subject to their terms.
Use of the Site. You agree not to misuse the Site, including by attempting to interfere with its operation, submitting false or misleading information, or using automated means to collect content. Site content may not be republished for commercial purposes without permission.
Limitation of liability. The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, Matthew Brown, Loan Factory, Inc., and Globe Mortgage, Inc. are not liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or reliance on, the Site or its content, or from any linked third-party site.
Governing law. These terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, and by applicable federal law.
Contact. Questions about these terms can be sent to Matthew Brown at matt@matt.mortgage or (512) 952-1125, or through the contact page.