Website Terms of Use

These terms describe the intended use of the hooWray Home Lending website.

Informational Purpose

This website provides general educational information about mortgage financing. Its content is not legal, tax, or financial advice and should not be relied on as a substitute for advice from a qualified professional.

No Loan Approval or Commitment

Using this website, submitting an inquiry, or scheduling a consultation does not constitute a mortgage application, loan approval, rate lock, or commitment to lend. All loans are subject to credit approval, property approval, program eligibility, underwriting requirements, and lender guidelines.

Programs and Website Information

Loan programs, terms, requirements, availability, and website information may change without notice. Contact hooWray Home Lending to discuss information applicable to your circumstances.

Third-Party Services and Links

This website may link to or use services provided by third parties, including scheduling and communication tools. Those services operate under their own terms and privacy practices.

Acceptable Use

Please use this website only for lawful purposes and do not attempt to disrupt, damage, or gain unauthorized access to the website or its supporting systems.

Privacy and Contact

Please review the Privacy Policy for information about website submissions. Questions about these terms may be directed to kenny@hoowray.com or (828) 234-9585.