Terms of Use

This website is operated by Jason Herbert, NMLS #633039, a licensed mortgage advisor originating through Primis Mortgage Company, NMLS #1894879. By accessing or using this site, you agree to these Terms of Use. If you do not agree, please do not use the site.

1. Informational Purpose Only

The content on this website is provided for general educational and informational purposes. It is marketing material, not financial, legal, tax, or investment advice. Mortgage guidelines, program parameters, and market conditions change frequently, and general information cannot account for your specific circumstances. Consult your own attorney, CPA, or financial advisor before making decisions with legal or tax consequences.

2. Not a Commitment to Lend

Nothing on this website constitutes an offer or commitment to lend, an offer to enter into an interest rate lock agreement, or a guarantee of loan approval. All loans are subject to credit approval, income and asset verification, satisfactory property appraisal, title review, and program eligibility. Not all applicants will qualify.

3. Rates, Payments, and Examples

Any rate, payment, fee, or scenario shown on this site — including calculator output, worked examples, and program comparison figures — is illustrative and for education only. Actual terms depend on your credit profile, loan amount, property type, occupancy, loan-to-value ratio, debt-to-income ratio, lock period, and market conditions at the time of application. Rates and terms are subject to change without notice.

The mortgage calculator on this site produces estimates. Property taxes, homeowners insurance, mortgage insurance, and HOA dues vary substantially by property and are not quoted here. Only a Loan Estimate issued after a complete application reflects actual figures.

4. Program Availability

Loan programs described on this site vary by state, property type, occupancy, and borrower eligibility. Programs may be modified, restricted, or discontinued at any time without notice. Descriptions of guidelines are general summaries and are not underwriting decisions.

5. Testimonials and Reviews

Testimonials and reviews appearing on this site reflect the individual experiences of clients who have used our services. They are individual results, and results vary. We do not claim they are typical, and they are not a guarantee or prediction of future outcomes. Reviews displayed through the embedded Google Reviews widget are sourced from Google and are not edited by us.

6. Third-Party Links and Embedded Services

This site links to and embeds third-party services, including the Primis Bank application portal, Pivot Point CRM forms, a Google Reviews widget, and Google Maps. We do not control those services and are not responsible for their content, availability, security, or privacy practices. Your use of a third-party service is governed by that provider’s terms and privacy policy.

7. Electronic Communications and Consent

When you submit a form or provide your phone number, you consent to receive communications from us by email, phone, and text message, including by automated means, regarding your inquiry. Consent is not a condition of obtaining any loan or service. Message and data rates may apply. You may opt out at any time by replying STOP to a text, using the unsubscribe link in an email, or calling (760) 715-3434.

8. Accuracy of Information You Provide

You agree that any information you submit is accurate and that you are authorized to provide it. Submitting false information in connection with a mortgage application may constitute mortgage fraud, a federal crime.

9. Acceptable Use

You agree not to:

• Use the site for any unlawful purpose or in violation of these terms
• Attempt to gain unauthorized access to any part of the site or its underlying systems
• Introduce malware, scrape content at scale, or interfere with the site’s operation
• Reproduce, republish, or distribute site content commercially without written permission

10. Intellectual Property

All content on this site — text, graphics, logos, layout, and code — is owned by The Herbert Team or its licensors and is protected by copyright and trademark law. You may view and print content for personal, non-commercial use. All other use requires prior written permission.

11. Disclaimer of Warranties

This site is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

12. Limitation of Liability

To the fullest extent permitted by law, The Herbert Team, Jason Herbert, and Primis Mortgage Company are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this site or reliance on its content, including lost profits or lost opportunities, even if advised of the possibility of such damages.

13. Fair Lending

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, or because all or part of the applicant’s income derives from a public assistance program. Equal Housing Lender.

14. Governing Law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules. Any dispute arising from these terms or your use of the site will be brought in the state or federal courts located in Williamson County, Texas.

15. Changes to These Terms

We may revise these terms at any time. The effective date above reflects the current version, and continued use of the site after changes are posted constitutes acceptance.

16. Contact

Jason Herbert · The Herbert Team
Georgetown, Texas
(760) 715-3434
jason@theherbertteam.com

Full licensing detail and state license numbers are on the Licensing & Disclosures page.

Jason Herbert | NMLS #633039 | Primis Mortgage Company | NMLS #1894879 · Equal Housing Lender · Member FDIC