Note: These Terms of Service are provided as a general template. We strongly recommend having this document reviewed by a licensed attorney familiar with mortgage industry regulations and applicable state and federal laws before publishing.
These Terms of Service govern your use of homeloansbytera.com and any related services operated by Tera Sommer (NMLS #2115126), doing business as Home Loans By Tera under Ease Mortgage (NMLS #2273319). By accessing or using this website, you agree to be bound by these terms.
1 Acceptance of Terms
By visiting, browsing, or using this website — or by submitting any form, inquiry, or request — you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.
If you do not agree to these terms, please do not use this website or submit any personal information through it.
2 About Our Services
Home Loans By Tera is a mortgage brokerage operating under Ease Mortgage (NMLS #2273319). We provide mortgage origination services including, but not limited to:
- Home purchase loans (FHA, VA, Conventional, and other programs)
- Mortgage refinancing (rate-and-term and cash-out)
- Investor financing including DSCR loans
- Construction and renovation loans
- Educational content and mortgage guidance
All loan products are subject to credit approval, lender guidelines, and applicable federal and state regulations. Licensing is limited to Michigan and Florida for residential mortgage origination. DSCR investor loans may be available in additional states through applicable lender relationships.
3 Not Financial or Legal Advice
The information provided on this website — including articles, blog posts, calculators, guides, and general mortgage information — is for educational and informational purposes only. It does not constitute financial, legal, tax, or investment advice.
Important Disclaimer
All loan scenarios, rate examples, payment estimates, and qualification information shared on this website are illustrative only. Actual rates, terms, and approval are subject to credit review, property valuation, lender guidelines, and market conditions at the time of application.
You should consult with a qualified financial advisor, tax professional, or attorney before making any significant financial decisions.
4 Eligibility
By using this website or submitting an inquiry, you represent that:
- You are at least 18 years of age
- You have the legal capacity to enter into agreements
- The information you provide is accurate and complete to the best of your knowledge
- You are using this website for lawful purposes only
We reserve the right to deny service to anyone for any lawful reason, including but not limited to misrepresentation of information or fraudulent activity.
5 Website Use
You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You agree not to:
- Use the site for any fraudulent or misleading purpose
- Attempt to gain unauthorized access to any part of the website or its systems
- Transmit any harmful, offensive, or disruptive content
- Scrape, copy, or reproduce site content without written permission
- Use automated tools to access or interact with the website
- Impersonate any person or entity
We reserve the right to restrict or terminate access to this website at our discretion, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.
6 Forms & Submissions
When you submit a contact form, pre-qualification request, or any other inquiry through this website, you understand and agree that:
- Submitting a form does not constitute a loan application or guarantee of financing
- We may contact you via phone, email, or text message regarding your inquiry
- The information you provide will be used in accordance with our Privacy Policy
- You are responsible for the accuracy of all information submitted
- Submitting false or misleading information may result in denial of services and potential legal consequences
A formal mortgage application requires separate documentation and is subject to full underwriting review by our lending partners.
7 Communications Consent
By submitting a form on this website and checking the applicable consent boxes, you expressly consent to be contacted by Home Loans By Tera and Ease Mortgage via:
- Telephone calls (including automated or pre-recorded calls where permitted)
- Text messages (SMS) for transactional and/or marketing purposes
- Email communications
This consent is not a condition of receiving any services. You may opt out of communications at any time by replying STOP to text messages, clicking unsubscribe in emails, or contacting us directly.
TCPA Notice
Your consent to receive text messages is governed by the Telephone Consumer Protection Act (TCPA). Message and data rates may apply. Message frequency varies. Reply HELP for assistance. Reply STOP to opt out at any time. For more information, see our Privacy Policy.
8 Intellectual Property
All content on this website — including text, graphics, logos, images, icons, and design elements — is the property of Home Loans By Tera or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, transmit, or use any content from this website for commercial purposes without prior written consent. Personal, non-commercial use is permitted provided you do not remove any copyright or proprietary notices.
The Home Loans By Tera name, logo, and brand identity may not be used in any manner that could cause confusion or that disparages or discredits us without express written permission.
9 Third-Party Links
This website may contain links to third-party websites, including lender portals, real estate platforms, government resources, and educational tools. These links are provided for your convenience and do not constitute an endorsement of those sites or their content.
We have no control over the content, privacy practices, or accuracy of third-party websites and accept no responsibility for them. You access third-party sites at your own risk and should review their own terms and privacy policies.
10 Disclaimers
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:
- The website will be uninterrupted, error-free, or secure
- Any information on the site is complete, accurate, or current
- The site is free of viruses or other harmful components
- Results from using our services will meet your expectations
Mortgage rates, loan programs, and terms shown or discussed are subject to change without notice and are not guaranteed until locked in writing by a lender. Not all borrowers will qualify for all programs.
Equal Housing Opportunity
Home Loans By Tera and Ease Mortgage are Equal Housing Opportunity lenders. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the extension of credit or provision of services.
11 Limitation of Liability
To the fullest extent permitted by applicable law, Home Loans By Tera, Ease Mortgage, and their officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or inability to use this website
- Any errors or omissions in the website's content
- Unauthorized access to or alteration of your data
- Any mortgage transaction or financial decision made in reliance on information from this site
- Any third-party conduct or content linked from this site
In no event shall our total liability exceed the amount paid by you, if any, for accessing this website or using our services during the three months preceding the claim.
12 Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions.
Any disputes arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Michigan. You consent to personal jurisdiction in such courts and waive any objection to venue.
These terms are also subject to applicable federal laws, including those governing mortgage lending, consumer protection, and electronic communications.
13 Changes to These Terms
We reserve the right to modify these Terms of Service at any time. When we make material changes, we will update the "Last Updated" date at the top of this page.
Your continued use of this website after any changes constitutes your acceptance of the updated terms. We encourage you to review these terms periodically. If you do not agree to the updated terms, you should discontinue use of the website.
14 Contact Us
If you have questions about these Terms of Service or need to reach us for any legal matter, please contact us using the information below: