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.

Text Message Terms

3E Lending sends text messages about your inquiry, including Rate Watch alerts when your target rate is reached, follow-ups on your request, loan status updates and appointment reminders. Message frequency varies. Message and data rates may apply. Reply STOP at any time to cancel; you will receive one message confirming you have opted out. Reply HELP for help, or contact us at (713) 396-0067 or kimberli@3elending.com. Carriers are not liable for delayed or undelivered messages. Consent to receive text messages is not a condition of any purchase or loan. Our Privacy Policy explains how your mobile information is handled.