Habayit Home Loans - Master Website
Terms & Compliance Disclosures
Last Updated: June 3, 2026
This page is the “one doc to rule them all” for habayithomeloans.com (the “Site”).
Read it.
Use the Site.
And remember: mortgages are regulated like a theme park ride designed by lawyers.
WHO WE ARE (Licensing + Company Info)
The legal entity behind the curtain:
The Turnkey Foundation Inc dba Habayit Home Loans Corporate NMLS 236669
| Branch NMLS 2523747 | NMLS 278696 Houston, TX
Equal Housing Opportunity. We do business without regard to race, color,
religion, sex, handicap (disability), familial status, or national origin.
PART A — WEBSITE TERMS OF SERVICE
Use the Site = you accept these Terms.
Don’t like the Terms?
No drama.
Don’t use the Site.
You must be 18+ to use the Site.
This Site is for people exploring or applying for residential or commercial mortgage
financing.
Including U.S. residents.
Including foreign nationals.
Here’s the thing that matters: the property location.
We work on properties in Texas and in other jurisdictions where we are licensed or
otherwise authorized to do business.
If the property is outside those areas, we may not be able to help.
Nothing on this Site is a promise.
Not a promise to lend.
Not a promise of approval.
Not a promise of a rate.
Not a promise of anything.
Loan approval and terms depend on the real-world stuff: credit, income, assets, the
property, lender/investor rules, and underwriting.
Programs and rates can change fast.
Sometimes faster than our ability to update a webpage.
The only rate/terms that count are the ones on your official, time-stamped
disclosures (like your Loan Estimate) and any rate-lock confirmation, if you lock.
We built this Site to help humans.
Not bots.
Not scrapers.
Not chaos goblins.
You agree you will NOT:
● scrape, harvest, or copy our content, tools, data, leads, or contact info
(manually or with bots);
● probe, hack, reverse engineer, overload, or try to break the Site or anything
connected to it;
● impersonate Habayit, our team, our partners, or any other person/entity;
● submit false, misleading, or incomplete information (especially if you’re trying
to obtain pricing, a pre-approval, or a loan);
● use the Site for anything illegal, fraudulent, or abusive.
If you do any of the above, we can block access and take other steps allowed by law.
We’re mortgage people.
We are not your lawyer.
We are not your tax advisor.
We are not your financial planner.
Anything on this Site is general information.
It’s not legal, tax, accounting, or investment advice.
Get your own pros for advice specific to you.
The Turnkey Foundation Inc dba Habayit Home Loans is a licensed mortgage
entity in the State of Texas.
● Texas Finance Code Notice: "CONSUMERS WISHING TO FILE A
COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED
MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR
SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS
DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH
LAMAR, SUITE 201, AUSTIN, TEXAS 78705."
● Recovery Fund: We are subject to the Texas Department of Savings and
Mortgage Lending’s regulatory oversight.
If you give us your phone number or email (form, chat, portal, etc.), you’re saying it’s
okay to contact you about your inquiry and our mortgage services.
That includes calls, texts (SMS), and emails.
It may include automated technology.
Message and data rates may apply.
Want out?
Easy:
● Text messages: reply STOP
● Emails: click unsubscribe
● Or contact us and we’ll help you opt out
Opting out of marketing messages won’t stop non-marketing, legally required, or
transaction-related messages (like updates about a loan file you chose to start).
The Site is provided “as is” and “as available.”
Websites glitch.
The internet gets moody.
To the maximum extent permitted by law, Habayit (and our owners, employees,
contractors, vendors, and affiliates) won’t be liable for any indirect, incidental,
special, consequential, or punitive damages, or for lost profits/lost data, arising from
or related to your use of (or inability to use) the Site.
If a court says we’re liable anyway, our total liability will be limited to the maximum
extent permitted by law.
PART B — PRIVACY POLICY (How we handle data)
We collect info so we can talk to you.
Help you.
And, if you choose, work on a mortgage file.
We don’t sell your personal info like it’s a garage sale.
We do share info when it’s necessary to do the work, follow the law, or keep the
lights on.
Depending on how you use the Site, we may collect:
● Contact info (name, email, phone)
● Basic identifiers (address, IP address, device info)
● Inquiry details (what you ask us, what you upload, what you type)
● Application-related info (income, assets, employment/business info, property
info, credit-related info) if you choose to apply or pre-qualify
● Communication info (calls, texts, emails, chat messages)
If you don’t want to share something, don’t submit it through the Site.
We may use your info to:
● respond to your request
● provide mortgage-related services you ask for
● verify identity and prevent fraud
● run our operations (systems, security, analytics)
● comply with legal and regulatory requirements
● market our services (you can opt out of marketing)
We may use cookies and similar tech to:
● keep the Site working
● understand how people use the Site
● improve content and performance
● measure marketing
You can control cookies through your browser settings.
Blocking cookies may break parts of the Site.
We may share your info with:
● lenders, investors, and loan servicers (to evaluate/close/maintain a loan you
request)
● vendors who help us run the Site and our business (hosting, CRM, email,
texting, analytics, document tools)
● credit reporting agencies and other third parties when you authorize or when
permitted by law
● regulators, auditors, and law enforcement when required or permitted by law
● professional advisors (legal, accounting) when needed
We don’t control third-party sites or services you choose to click into.
Their privacy rules are theirs.
We use reasonable safeguards.
No website can promise “perfect.”
If you send sensitive info, do it through secure channels we provide.
Not through random email threads or social DMs.
We keep info as long as needed to: do business, comply with law, resolve disputes,
and enforce agreements.
You can:
● opt out of marketing emails (unsubscribe link)
● opt out of marketing texts (reply STOP)
● ask us to update certain info
Some records can’t be deleted when the law requires retention.
That’s not us being stubborn.
That’s the system.
This Site is not intended for kids under 13.
We don’t knowingly collect personal info from children under 13.
PART C — GENERAL ADVERTISING DISCLOSURES (Read before you screenshot a rate)
Ads, examples, social posts, calculators, and “ballpark” numbers are not a
commitment to lend.
They’re educational.
They’re general.
Your actual terms depend on your file and program guidelines.
Also: rates change.
A lot.
Interest rate = the rate used to calculate interest.
APR = a broader cost measure that can include certain finance charges.
APR is usually higher than the interest rate.
Sometimes not.
Regulators love surprises.
Example (for illustration only):
A $650,000 purchase loan at 7.500% interest rate with an 8.122% APR.
APR and payment depend on assumptions, fees, and timing.
Your actual rate, APR, and payment will vary.
If an escrow account is required, that affects your total monthly payment
(taxes/insurance are real money).
This example is not a lock.
Not a quote.
Not a guarantee.
We don’t do bait.
We don’t do “guaranteed approval.”
We don’t do “everyone qualifies.”
We don’t do “no closing costs” without explaining what that really means.
Any claim about rates, payments, or terms depends on: qualification, program rules,
and lender approval.
If you see an ad from us, assume: there are conditions.
Because there are always conditions.
PART D — RESPA + AFFILIATED BUSINESS DISCLOSURES
Federal law (RESPA) generally prohibits kickbacks and unearned fees for referrals
of settlement service business.
Translation: we don’t get paid for “sending you” to a title company, insurance agent,
or anyone else just for the referral.
If we ever have an arrangement that requires a specific RESPA disclosure, we’ll give it to you.
In writing.
Sometimes companies have ownership or control ties with other companies (an
“affiliate”).
If we refer you to an affiliated business arrangement in connection with your
transaction, we will provide the required Affiliated Business Disclosure.
You are generally not required to use an affiliated provider.
You can shop.
You should shop.
PART E — FINAL HOUSEKEEPING
We may update this document from time to time.
When we do, we’ll update the “Last Updated” date at the top.
If you need to reach us, use the contact options on the Site.
EQUAL HOUSING OPPORTUNITY
Equal Housing Opportunity. We do business without regard to race, color,
religion, sex, handicap (disability), familial status, or national origin.
The Turnkey Foundation Inc dba Habayit Home Loans Houston, TX Corporate
NMLS 236669 | Branch NMLS 2523747 | NMLS 278696
P.S. If a rate quote online made mortgages look “easy,” that’s marketing. The real
game is documentation.
