Terms of Use

Welcome to stxlending.com (the “Website”), operated by STX Lending (“we,” “us,” or “our”). By accessing or using this Website, you agree to be bound by these Terms of Use (“Terms”). If you do not agree, please do not use this Website.

1. Acceptance of Terms

By accessing, browsing, or using any portion of this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. We reserve the right to modify these Terms at any time. Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

2. Description of Services

STX Lending is a licensed mortgage lender operating under NMLS #222982. We connect borrowers with wholesale lenders to originate residential mortgage loans in Texas. The information, tools, calculators, rate comparisons, and educational content on this Website are provided for informational purposes only and do not constitute a commitment to lend, a loan approval, or a guaranteed rate.

We are not a bank or direct lender. STX Lending acts as a licensed mortgage broker. All loans are subject to lender approval, underwriting guidelines, and applicable state and federal regulations.

3. Not an Offer or Solicitation

Nothing on this Website constitutes an offer to lend, a pre-approval, or a commitment to make a loan. The rates, terms, fees, and product descriptions shown on this Website are for informational and educational purposes only and may change without notice. Actual rates will depend on your specific financial situation, creditworthiness, property details, loan program, and market conditions at the time of application.

Mortgage loans are available only to qualified borrowers. All applications are subject to credit approval, income verification, property appraisal, and other underwriting requirements.

4. Rate Accuracy and Disclaimers

The mortgage rates displayed on this Website are updated periodically and represent general market conditions. They are not a guaranteed rate offer. Your actual rate may differ based on:

• Credit score and credit history
• Loan-to-value (LTV) ratio and down payment
• Property type, occupancy, and location
• Loan amount and program selection
• Lock period and market conditions
• Discount points or lender credits elected

APR (Annual Percentage Rate) represents the true cost of borrowing and includes the interest rate plus applicable fees, points, and mortgage insurance. APR is calculated based on specific loan assumptions and may differ from your actual scenario.

5. Calculator Tools

The mortgage calculators and financial tools on this Website provide estimates only and are for educational purposes. They do not account for all factors that affect your actual mortgage payment or qualification. Results should not be relied upon as a guarantee of loan terms or eligibility. Always consult with a licensed loan officer for personalized guidance.

6. Eligibility

The Website and our mortgage services are intended for use by residents of the United States who are 18 years of age or older. Our lending activities are currently focused in the state of Texas. Certain loan programs may have geographic, occupancy, or military service requirements.

7. User Conduct

By using this Website, you agree not to:

• Provide false, misleading, or inaccurate information on any application or form
• Attempt to gain unauthorized access to any part of the Website, its servers, or systems
• Use the Website for any unlawful purpose or in violation of any applicable law
• Engage in data scraping, automated data collection, or any activity that places undue burden on our infrastructure
• Transmit malicious code, viruses, or harmful software
• Impersonate any person or entity, or misrepresent your affiliation
• Use any content from the Website for commercial purposes without our express written consent

8. Intellectual Property

All content on this Website — including text, graphics, images, logos, icons, software, and design elements — is the property of STX Lending or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Website without our prior written consent.

“STX Lending” and our logo are trademarks of STX Lending. All other trademarks appearing on this Website are the property of their respective owners.

9. Third-Party Links

This Website may contain links to third-party websites, services, or resources (e.g., real estate portals, government agencies, credit monitoring services). We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing these links is at your own risk.

10. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses. We do not guarantee the accuracy, completeness, or timeliness of any information on the Website, including rates, fees, and loan estimates.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, STX LENDING, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING FROM:

• Your use of or inability to use the Website
• Any errors, inaccuracies, or omissions in the content
• Unauthorized access to or alteration of your data
• Any third-party content, products, or services accessed through the Website
• Any reliance on rates, calculations, or estimates provided on the Website

Our total liability for any claim arising from these Terms or your use of the Website shall not exceed $500.

12. Indemnification

You agree to indemnify, defend, and hold harmless STX Lending and its officers, directors, employees, agents, and affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

13. Electronic Communications

By using this Website or providing us with your email address or phone number, you consent to receive electronic communications from us, including email, text messages (standard message and data rates may apply), and notices posted on the Website. You agree that all agreements, notices, and disclosures provided electronically satisfy any legal requirement that such communications be in writing.

You may opt out of marketing communications at any time by clicking the unsubscribe link in any email or by contacting us at (210) 750-6164.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Bexar County, Texas.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and STX Lending with respect to your use of the Website, superseding any prior agreements or understandings.

17. Contact Us

For questions about these Terms of Use, please contact: