Terms of Use

This website is operated by Daisy Castro, a licensed mortgage loan originator (NMLS ID #2592627), who originates residential mortgage loans through Matador Lending, NMLS ID #1871433, a licensed mortgage broker. By using this site, you agree to these terms.

Nothing on this website is an offer to lend, a commitment to lend, or an approval of credit. Information here is for general educational purposes only.

All loans are subject to credit review, income and asset verification, property appraisal, underwriting approval, and program requirements. Not all applicants will qualify. Loan programs, terms, and availability are subject to change without notice.

Any calculator, estimate, or figure shown on this site is for illustration only. Results are estimates based on the information entered and general assumptions. They are not a quote, and they do not include all costs — such as taxes, insurance, mortgage insurance, or association dues. Your actual terms will be provided in official loan disclosures.

Information about down payment assistance and other homebuyer programs is provided for general education. These programs are administered by government agencies and housing organizations — not by us. Eligibility, funding availability, award amounts, and terms are set by each program administrator and change over time. We are not affiliated with, endorsed by, or acting on behalf of any government agency. Final eligibility is determined by the program administrator and the lender.

We work to keep this site accurate and current, but content may become outdated. Blog posts and guides reflect general information at the time of writing and are not personalized advice. We are not tax, legal, or financial advisors — please consult a qualified professional for advice about your situation.

This site links to third-party websites, including government program pages. We do not control those sites and are not responsible for their content, accuracy, or privacy practices.

Content on this site — text, images, and design — is owned by us or used with permission. You may not reproduce or redistribute it commercially without written permission.

This site is provided “as is” without warranties of any kind, to the fullest extent permitted by law. We are not liable for any indirect, incidental, or consequential damages arising from your use of this site. Nothing here limits any right you have under applicable consumer protection law.

These terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

We may update these terms. Continued use of the site after an update means you accept the revised terms.