By accessing or using the website, services, or mortgage brokerage services provided by Blackwood Mortgage, operated by licensed Mortgage Loan Originator Elmer Salazar (NMLS #1599947) ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our services.
These Terms apply to all visitors, users, and others who access or use our website or services, including submitting a mortgage inquiry, application, or any other request for service.
Blackwood Mortgage is a licensed mortgage brokerage firm operating in the State of Texas. We act as an intermediary between borrowers and licensed mortgage lenders. We do not fund loans directly. Our services include:
We do not guarantee loan approval, specific interest rates, or loan terms. All loan decisions are made by the lender, not by us.
By using our services, you represent and warrant that:
We reserve the right to refuse service to anyone for any reason at any time, consistent with applicable law.
Submitting an inquiry or application through our website or by any other means does not constitute a loan approval, commitment to lend, or guarantee of any specific rate or terms. All mortgage applications are subject to full underwriting review and lender approval.
Interest rates, loan programs, and eligibility requirements are subject to change without notice and may vary based on creditworthiness, property type, loan amount, and other factors.
By submitting your contact information through our website, inquiry forms, or any other channel, you expressly consent to be contacted by us and our authorized representatives via:
This consent applies even if your number is on a federal, state, or local Do Not Call registry. You are not required to provide this consent as a condition of purchasing any property, goods, or services.
You may revoke your consent to receive SMS messages at any time by replying STOP to any text message. To opt out of calls or emails, contact us directly at [email protected] or +1 832-415-0688. Opting out may affect our ability to process your mortgage inquiry.
Message frequency may vary. Standard message and data rates may apply.
You agree to provide accurate, current, and complete information when submitting any inquiry, application, or other request. Providing false, misleading, or incomplete information may result in denial of services, rescission of any loan offer, and potential legal liability.
You are responsible for updating your information if it changes during the course of our engagement.
Blackwood Mortgage may receive compensation from lenders in connection with mortgage loans facilitated through our brokerage. This compensation may affect the loan products and rates we present to you. We are required by law to disclose our compensation in your Loan Estimate and Closing Disclosure documents.
We do not charge upfront application fees unless separately disclosed and agreed upon in writing.
Our website may contain links to third-party websites, lender portals, or external resources. These links are provided for convenience only. We are not responsible for the content, accuracy, or privacy practices of any third-party sites.
We may use third-party service providers (including CRM platforms, marketing tools, and communication services) to operate our business. These providers are bound by their own terms and are contractually restricted from using your information for unauthorized purposes.
All content on our website, including text, graphics, logos, and images, is the property of Blackwood Mortgage or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written consent.
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, Blackwood Mortgage and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if advised of the possibility of such damages.
Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount of fees, if any, paid by you to us in the six (6) months preceding the claim.
You agree to indemnify, defend, and hold harmless Blackwood Mortgage and its affiliates, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your use of our services, your violation of these Terms, or your violation of any rights of another.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, with venue in Harris County, Texas, except where prohibited by applicable law.
Nothing in this section shall prevent either party from seeking injunctive or other equitable relief in a court of competent jurisdiction.
We operate in compliance with all applicable federal and state mortgage lending laws, including but not limited to:
Effective July 1, 2024, Texas residents have specific rights under the Texas Data Privacy and Security Act (TDPSA), Tex. Bus. & Com. Code §§ 541.001 et seq. As a Texas consumer, you have the right to:
To submit a TDPSA request, contact us at [email protected]. We will respond to verified requests within 45 days, with a possible 45-day extension where reasonably necessary. We do not sell personal data to third parties for advertising purposes.
We collect personal data such as name, contact information, financial information, and property details solely for the purpose of evaluating and facilitating your mortgage application. This data is shared only with lenders, service providers, and as required by law.
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with a revised "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated Terms.
We encourage you to review these Terms periodically.
We reserve the right to terminate or suspend your access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
If you have questions or concerns about these Terms of Service, please contact us: