Terms of Service
Terms and conditions for using our mortgage services
Last Updated: January 11, 2026
Agreement to Terms
By accessing this website and/or submitting a loan application through Ken Harmon, Loan Officer with Loan Factory, Inc. ("we," "our," or "us"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this website or applying for mortgage services through us.
Services Provided
Mortgage Origination Services
Ken Harmon (NMLS #921561) is a licensed mortgage loan originator operating under Loan Factory, Inc. (NMLS #320841). We provide the following services:
- • Residential mortgage loan origination
- • Investment property financing
- • Refinancing services
- • Consultation on mortgage products and programs
- • Assistance with loan applications and documentation
- • Coordination with lenders and underwriters
Licensed in Texas
Our mortgage services are provided exclusively in the State of Texas. We are licensed by the Texas Department of Savings and Mortgage Lending and comply with all applicable Texas state laws and federal regulations.
Important Limitations and Disclaimers
Not a Commitment to Lend
The information on this website, including rate quotes and loan product descriptions, does not constitute a commitment to lend. All loan applications are subject to:
- • Credit approval and underwriting review
- • Property appraisal and valuation
- • Income and employment verification
- • Satisfactory title search and insurance
- • Final lender approval
Rates and Terms Subject to Change
Interest rates, loan programs, fees, and terms are subject to change without notice. Rate quotes provided are estimates based on information available at the time of inquiry and may not reflect the final rate you receive. Your actual rate will be determined by various factors including credit score, loan-to-value ratio, property type, and market conditions.
Not All Applicants Will Qualify
Loan approval is not guaranteed. Not all applicants will qualify for all loan programs or the rates and terms advertised. Your qualification depends on your individual financial situation, credit history, debt-to-income ratio, and other factors.
Use of Website
Permitted Use
This website is provided for informational purposes and to facilitate mortgage loan applications. You may use this website only for lawful purposes and in accordance with these Terms of Service. You agree not to:
- • Provide false, misleading, or fraudulent information
- • Use the website for any illegal or unauthorized purpose
- • Attempt to gain unauthorized access to our systems
- • Interfere with or disrupt the website's operation
- • Transmit viruses, malware, or harmful code
- • Harvest or collect information about other users
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Loan Factory, Inc. or its content suppliers and is protected by copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without our written permission.
Loan Application Process
Accuracy of Information
You agree to provide accurate, current, and complete information in all loan applications and communications with us. Providing false or misleading information may result in denial of your application and may constitute fraud.
Authorization to Obtain Credit Reports
By submitting a loan application, you authorize us to obtain your credit report and verify any information you provide. You acknowledge that inquiries may appear on your credit report.
Processing Time
While we strive to process applications efficiently, loan processing times vary based on complexity, documentation requirements, and lender underwriting processes. We do not guarantee specific processing times or closing dates.
Privacy and Data Security
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. Please review our Privacy Policy to understand how we handle your information.
We implement industry-standard security measures to protect your information, but no method of transmission over the Internet is 100% secure. You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account.
Fair Lending and Equal Opportunity
Equal Housing Opportunity
Loan Factory, Inc. is an Equal Housing Lender. We comply with all applicable fair lending laws including the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of:
- • Race or color
- • National origin
- • Religion
- • Sex or gender
- • Familial status
- • Disability or handicap
- • Age (provided applicant has capacity to contract)
- • Marital status
- • Receipt of public assistance
Limitation of Liability
To the fullest extent permitted by law, Ken Harmon and Loan Factory, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this website or our services, including but not limited to:
- • Lost profits or business opportunities
- • Loan application delays or denials
- • Changes in interest rates or loan terms
- • Errors or omissions in information provided
- • Third-party actions or decisions
We provide mortgage origination services and act as an intermediary between borrowers and lenders. Final loan approval, terms, and conditions are determined by the lender, not by us.
Third-Party Links and Services
This website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party services.
Governing Law and Disputes
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising out of or relating to these Terms of Service or our services shall be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, or through the courts of the State of Texas.
Changes to Terms
We reserve the right to modify or replace these Terms of Service at any time at our sole discretion. Changes will be effective immediately upon posting to this website. Your continued use of the website after any changes constitutes acceptance of the new Terms of Service.
We will update the "Last Updated" date at the top of this page when changes are made. We encourage you to review these Terms of Service periodically.
Contact Information
If you have questions about these Terms of Service, please contact us:
Houston, TX 77072
These Terms of Service are effective as of January 11, 2026