Website Terms of Use

1 Acceptance and Eligibility

These Terms of Use govern access to the Home1st Financial website. By using the website, you agree to these terms. If you do not agree, do not use the website. You must be at least 18 years old and legally able to enter an agreement to submit a mortgage inquiry.

2 Educational Information Only

Website content is provided for general educational and informational purposes. It is not legal, tax, investment, or financial advice. Calculators and examples are estimates based on assumptions and may not include every cost. You should consult qualified professionals regarding your circumstances.

3 No Loan Commitment or Guarantee

Submitting a form, receiving an estimate, or communicating with Home1st Financial does not constitute an application approval, preapproval, commitment to lend, rate lock, or guarantee of terms. Loan programs, rates, fees, eligibility, property approval, and underwriting requirements may change and remain subject to credit approval, verification, lender requirements, and applicable law. Other restrictions may apply.

4 Licensing and Availability

Home1st Financial provides mortgage services only where it is authorized to do so. Website availability does not mean that a product or service is available in every state or to every person. Licensing information should be reviewed at the Nationwide Multistate Licensing System Consumer Access website at www.nmlsconsumeraccess.org. Company NMLS 2154587.

5 Permitted Use

You may use the website for lawful personal or business inquiries. You may not interfere with security, submit false information, attempt unauthorized access, use automated means to scrape or overload the site, introduce malicious code, impersonate another person, or use content in a way that violates law or another person’s rights.

6 Your Information

You represent that information you submit is accurate to the best of your knowledge and that you are authorized to provide it. Do not submit confidential loan documents or sensitive identifiers through a general inquiry form. Use only the secure application or document portal identified by Home1st Financial.

7 Intellectual Property

The website, branding, text, graphics, and software are owned by or licensed to Home1st Financial and are protected by applicable law. You may view and print content for personal use, but may not reproduce, modify, sell, or distribute it without written permission, except as allowed by law.

8 Third Party Services

Third-party links and tools are provided for convenience. Home1st Financial does not control and is not responsible for third-party availability, content, security, terms, or privacy practices. Your use of a third-party service is governed by that provider’s terms.

9 Disclaimer and Limitation

To the extent permitted by law, the website is provided as available without warranties of uninterrupted operation, accuracy, merchantability, fitness for a particular purpose, or noninfringement. To the extent permitted by law, Home1st Financial will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the website. Nothing in these terms excludes liability that cannot lawfully be excluded.

10 Changes Governing Law and Contact

We may revise these terms by posting an updated effective date. Arizona law governs these terms, without regard to conflict-of-law rules, except where federal law or another mandatory law applies. Questions may be directed to Home1st Financial, Inc., 10000 N. 31st Ave., Ste. D100, Phoenix, AZ 85051; info@home1stfinancial.com; (800) 544-7231.