Terms of Service

Effective Date: February 1, 2025

Welcome to Hesson Loans, LLC (“Company,” “we,” “us,” or “our”). By accessing or using this website (the “Site”), you agree to the following Terms of Service (“Terms”). If you do not agree with these Terms, please do not use this Site.

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1. Purpose of This Website

This website is provided for informational purposes only. The content on this Site is intended to help visitors understand mortgage concepts, loan programs, and the services offered by Hesson Loans, LLC.

Nothing on this Site constitutes a commitment to lend, a loan approval, financial advice, legal advice, or a guarantee of loan terms or outcomes.

All mortgage loans are subject to credit approval, underwriting guidelines, and lender requirements.

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2. No Client Relationship Created

Using this Site, submitting a contact form, or requesting information does not create a client, broker, or advisory relationship.

A formal relationship is established only after direct communication and mutual agreement to proceed with services.

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3. Accuracy of Information

While we strive to keep information on this Site accurate and up to date, mortgage guidelines, interest rates, and market conditions change frequently.

We do not guarantee that all content is complete, current, or error-free. You should always confirm details directly with us before making decisions based on information found on this Site.

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4. User Submissions and Communications

By submitting information through forms, email, or other methods on this Site, you agree that:

• The information you provide is accurate to the best of your knowledge
• You are authorized to provide the information
• We may contact you using the information provided

Submitting a form does not obligate you to apply for a loan or proceed with services.

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5. Intellectual Property

All content on this Site — including text, graphics, logos, images, and design — is the property of Hesson Loans, LLC or its content providers and is protected by intellectual property laws.

You may view and use this Site for personal, non-commercial purposes only. You may not copy, reproduce, distribute, or modify content without prior written permission.

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6. Third-Party Links

This Site may contain links to third-party websites for convenience or informational purposes.

We are not responsible for the content, accuracy, or practices of third-party websites and do not endorse them. Visiting external sites is done at your own risk.

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7. Limitation of Liability

To the fullest extent permitted by law, Hesson Loans, LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site or reliance on its content.

This includes, but is not limited to, damages related to loan decisions, missed opportunities, or financial outcomes.

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8. No Guarantees

Mortgage rates, loan terms, approvals, and timelines vary based on individual circumstances and lender guidelines.

We make no guarantees regarding loan approval, rates, costs, or closing timelines unless expressly stated in writing as part of a formal agreement.

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9. Privacy

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

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10. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this page.

Your continued use of the Site constitutes acceptance of the updated Terms.

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11. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

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12. Contact Information

If you have questions about our Terms of Service or how we handle your information, you may contact us at: