1. Licensing & NMLS Identification

Ideal Home Lending LLC is a licensed mortgage broker operating in accordance with applicable federal and state laws governing mortgage lending and brokerage activities.

Company: Ideal Home Lending LLC
Company NMLS ID: #2686491
Licensed Mortgage Broker: Marisol Giron
Individual NMLS ID: #582401

You may verify our licensing status through the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website:

https://www.nmlsconsumeraccess.org

2. Mortgage Broker Disclosure — We Are Not a Lender

Ideal Home Lending LLC is a licensed mortgage broker and is not a mortgage lender, bank, or loan servicer.

As a mortgage broker, we act as an intermediary between borrowers and third-party lenders who fund mortgage loans.

This means:

We do not directly fund mortgage loans.

Loans are funded by third-party lenders.

Your loan agreement will be with the funding lender.

Compensation received in connection with your loan will be disclosed as required by law.

Loan approval, rates, terms, and conditions are determined by the funding lender and applicable underwriting guidelines.

3. Loan Approval & Eligibility Disclosure

All mortgage inquiries, pre-qualifications, and loan applications are subject to:

Credit review and verification

Income and employment verification

Asset and liability verification

Property appraisal and approval

Title review and clearance

Lender underwriting guidelines

Applicable federal, state, and local laws

Pre-qualification and pre-approval are not guarantees of final loan approval.

Final approval is subject to satisfactory completion of the lender's underwriting process.

4. Interest Rate & APR Disclosure

Any interest rates, Annual Percentage Rates (APR), payment examples, or loan program information displayed on this website are:

Subject to change without notice

Based on market conditions at the time displayed

Dependent on borrower qualifications

Not a commitment to lend

Not a guarantee of any specific rate or program

Actual rates, fees, and APRs will be disclosed through official loan documentation as required by law.

5. Equal Housing Opportunity & Fair Lending

Ideal Home Lending LLC supports Equal Housing Opportunity and complies with all applicable fair lending laws.

We do not discriminate on the basis of:

Race

Color

National origin

Religion

Sex

Disability

Familial status

Age

Marital status

Public assistance income

Any protected characteristic under applicable law

For fair housing concerns, contact HUD at https://www.hud.gov or the CFPB at https://www.consumerfinance.gov.

6. RESPA Disclosure

Ideal Home Lending LLC complies with the Real Estate Settlement Procedures Act (RESPA).

We do not pay or accept prohibited referral fees or kickbacks. Required disclosures, including Loan Estimates and Closing Disclosures, will be provided in accordance with applicable law.

7. Truth in Lending Act (TILA) Disclosure

Ideal Home Lending LLC complies with the Truth in Lending Act (TILA) and Regulation Z.

Required disclosures including APR, finance charges, payment schedules, and total costs of credit will be provided through official loan documentation.

8. Home Mortgage Disclosure Act (HMDA)

We may collect and report information required under the Home Mortgage Disclosure Act (HMDA).

This information is used for regulatory compliance and fair lending monitoring and does not independently determine loan approval.

9. SMS / Text Message Communications

By providing your mobile phone number through any form, application, scheduling page, or communication tool on this website and by providing consent where required, you agree to receive SMS/text messages from Ideal Home Lending LLC.

Messages may include:

Mortgage inquiry responses

Appointment confirmations and reminders

Loan status updates

Pre-approval notifications

Customer service communications

Mortgage-related information requested by you

SMS Program Information

Message frequency may vary.

Message and data rates may apply.

Consent is not a condition of purchase.

Reply STOP to opt out.

Reply HELP for assistance.

You may also contact us at:

Phone: 512-800-0507
Email: [email protected]

We do not sell or share your mobile phone number with third parties for their own marketing purposes.

For additional information, please review our Privacy Policy:

[ PRIVACY POLICY URL]

10. Carrier Liability Disclaimer

Wireless carriers are not liable for delayed, failed, incomplete, or undelivered messages.

Message delivery depends on your wireless carrier's network availability and other factors outside the control of Ideal Home Lending LLC.

Ideal Home Lending LLC does not guarantee message delivery or delivery timing.

11. Age Requirement

By using this website or enrolling in our SMS communications program, you represent that you are at least eighteen (18) years of age.

If you are under eighteen (18), you may only use our services with the involvement and consent of a parent or legal guardian.

12. No Legal, Tax, or Financial Advice

Information provided on this website is for informational purposes only and should not be construed as legal, tax, accounting, financial, or investment advice.

Please consult qualified professionals regarding your specific circumstances.

13. State Licensing Notice

Ideal Home Lending LLC is licensed to conduct mortgage brokerage activities in the State of Texas.

Texas Department of Savings and Mortgage Lending
2601 North Lamar Boulevard, Suite 201
Austin, TX 78705
Phone: 512-475-1350
Website: https://www.sml.texas.gov

Services may not be available in all jurisdictions.

14. Contact Information

Ideal Home Lending LLC
5708 S Congress Ave
Austin, TX 78745

Phone: 512-800-0507
Email: [email protected]

NMLS Consumer Access: https://www.nmlsconsumeraccess.org

These Terms of Service are provided for informational purposes and to support compliance with applicable federal and state laws and regulations.