Legal
Privacy Policies and more
Terms, privacy, communications consent, and disclosures for 3elending.com. Jump to any section below, or read straight through.
Last updated: August 10, 2026 (10DLC/CTIA SMS disclosure update)
Terms of Service
By accessing or using this website (the “Site”), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Site. We may modify these Terms at any time; continued use after changes are posted constitutes acceptance.
Eligibility and Use
You must be at least 18 years of age to use this Site. You agree to use the Site only for lawful purposes and not in any way that could damage, disable, overburden, or impair it.
Intellectual Property
All content on this Site — text, graphics, logos, images, and overall design — is the property of 3E Lending or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
Artificial Intelligence & Content Accuracy
Some images and content on this Site may be created with the assistance of artificial intelligence or other automated means. We disclose this transparently so you can weigh it appropriately. AI-assisted content can be imperfect, and we encourage you to verify any specific figure, statement, or program detail with a licensed team member before relying on it. Substantive claims are checked against recognized sources (HUD, VA, USDA, CFPB, Fannie Mae, Freddie Mac, and reputable industry publications) where applicable, but nothing on this Site is a substitute for speaking directly with your loan officer about your specific situation.
Nothing on this Site — AI-assisted or otherwise — creates a broker-client relationship. This Site exists to help you connect with a licensed team member; please use our Contact page to reach one directly.
Disclaimers and Limitation of Liability
The Site and its content are provided “as is” without warranties of any kind, express or implied. To the fullest extent permitted by law, 3E Lending and its affiliates, officers, and employees will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site.
Third-Party Links
The Site may link to third-party websites or resources not owned or controlled by us. We are not responsible for the content, policies, or practices of any third-party site.
Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Any dispute arising from these Terms will first be attempted to be resolved through good-faith negotiation before any formal proceeding.
Contact
Questions about these Terms can be directed to us via our Contact page or by phone at (713) 396-0067.
Privacy Policy
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit this Site.
Information We Collect
We may collect personal information you voluntarily provide — such as your name, email address, phone number, and loan-related details — when you submit a contact form, request a rate quote, or otherwise reach out. We may also automatically collect technical information such as IP address, browser type, and pages viewed, used for security, analytics, and site operation.
How We Use Your Information
We use collected information to respond to your inquiry, provide and improve the Site, communicate with you about your request, and comply with legal and regulatory obligations applicable to licensed mortgage brokers.
Sharing of Information
We may share your information with third-party lenders, service providers, or partners as necessary to fulfill your loan inquiry, or as required by law. We do not sell your personal information to unrelated third parties for their independent marketing purposes.
Mobile / SMS Information
Mobile opt-in data and your phone number are never shared with third parties or affiliates for their marketing or promotional purposes. This information is used only to send you the text communications described in our Email, SMS & Marketing Communications section below, and may be passed only to the messaging vendors and carriers required to technically deliver those texts.
Data Security
We use reasonable technical and organizational safeguards to protect your information. No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
Children’s Privacy
This Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13.
Your Privacy Rights
Depending on your location, you may have rights to access, correct, or request deletion of your personal information. Contact us via the Contact page to make a request.
Cookie Policy
This Site uses cookies and similar tracking technologies to operate correctly, remember your preferences, and understand how visitors use the Site.
Types of Cookies
Essential cookies are required for core site functionality. Analytics cookies help us understand visitor behavior so we can improve the Site. Functional cookies enable enhanced features and personalization.
Your Choices
Most browsers let you control or block cookies through their settings. Disabling cookies may affect some Site functionality.
Email, SMS & Marketing Communications
By submitting your contact information through any form on this Site — including requesting a rate quote, scheduling an appointment, or using a contact form — you expressly consent to receive communications from 3E Lending and, where applicable, our participating lender partners via email, text message (SMS), and phone call at the number(s) and address(es) you provide.
Text Message Program Description
By opting in, you agree to receive text messages from 3E Lending regarding your rate quote or inquiry — including follow-ups on your request, loan status updates, and appointment reminders. Message frequency varies based on your inquiry and is not a recurring marketing subscription. Message and data rates may apply. Consent is not a condition of purchase or of obtaining any loan.
TCPA Compliance
By providing your mobile telephone number, you consent to receive calls and text messages, which may be autodialed or prerecorded, regarding your inquiry and related mortgage products. Consent is not a condition of using our services. Message and data rates may apply.
CAN-SPAM Compliance
Marketing emails from us will clearly identify themselves as advertisements and include a working opt-out mechanism, in compliance with the CAN-SPAM Act.
How to Opt Out
Text/SMS: Reply “STOP” to any text message to cancel further texts, or reply “HELP” for assistance.
Email: Click “Unsubscribe” at the bottom of any marketing email.
Phone: Call (713) 396-0067 to be placed on our internal do-not-call list, or register at www.donotcall.gov.
Message frequency varies. We are not responsible for delayed or undelivered messages due to carrier issues outside our control. Opt-out instructions are included in our messages at least once per month for as long as you remain opted in.
Disclaimer
Content on this Site is provided for general informational purposes only and does not constitute legal, financial, tax, or investment advice. It is not tailored to your individual circumstances. Always consult a licensed loan officer before making borrowing decisions.
While we strive for accuracy, we make no warranties about the completeness or timeliness of information on this Site, and any reliance you place on it is at your own risk.
Accessibility Statement
We are committed to making this Site usable by everyone, including people with disabilities, and strive to conform to WCAG 2.1 Level AA guidelines. This is an ongoing effort, not a finished state.
If you encounter a barrier using this Site, please let us know via our Contact page or by phone at (713) 396-0067 and we will work to resolve it and, where needed, provide the information through an alternative means.
Copyright / DMCA Notice
If you believe content on this Site infringes your copyright, please contact us via our Contact page with: identification of the copyrighted work, identification of the allegedly infringing material and its location on the Site, your contact information, and a statement of good-faith belief that the use is unauthorized.
Electronic Communications Consent
When you use this Site or contact us electronically, you are communicating with us electronically and consent to receive communications from us in that form. You agree that any agreements, notices, and disclosures we provide electronically satisfy any legal requirement that such communications be in writing.
No Contract Formation
Tools, calculators, and forms on this Site are provided for informational purposes only. Submitting an inquiry or rate-quote request does not create a binding contract and does not obligate 3E Lending or any partner lender to extend credit.
Any rates, terms, or payment estimates shown on this Site are preliminary and non-binding. Actual rates and terms are determined only through formal application and underwriting with a licensed lender.
Lender & NMLS Disclosures
3E Lending is a licensed Texas mortgage broker (NMLS ID: 2459395), not a direct lender. Nothing on this Site is an offer to lend or a commitment to provide financing. All loan products are subject to lender review, underwriting, and credit approval; pre-approval is not a guarantee of final loan approval. Rates, terms, and program availability are subject to change without notice.
3E Lending and its lender partners comply with the Fair Housing Act and do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status. 3E Lending is an Equal Housing Lender.
Privacy of Your Financial Information (GLBA)
As a licensed mortgage broker, 3E Lending collects non-public personal information (NPI) through this Site’s intake and contact forms as part of processing your inquiry. See our Privacy Policy above for how that information is collected, shared, and secured, consistent with the Gramm-Leach-Bliley Act.
Rate & Payment Advertising
Where this Site displays a specific interest rate or monthly payment example, the corresponding APR is shown with equal prominence, along with the loan scenario it assumes (loan amount, down payment, credit score, and term). All such figures are illustrative only, subject to change without notice, and dependent on your individual credit qualification.
Texas Consumer Complaint & Recovery Fund Notice
Texas law requires that consumers be notified of their right to file a complaint against a licensed residential mortgage loan originator and of the Department’s Recovery Fund. Read the full statutory notice, our physical office address, and the NMLS Consumer Access link on our Texas Disclosures page.
Pending: individual RMLO NMLS ID for Kimberli Pham
Texas rules require the individual loan originator’s own NMLS ID (separate from the company ID above) on team/loan-officer pages. To be added to Kimberli’s Team page once provided.