Last updated: March 18, 2026
Please read these terms and conditions carefully before using Our Service.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Country refers to: Texas, United States.
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to HLWV LLC, 14201 Ranch Road 12, Suite 3, Wimberley, TX 78676. NMLS# 893657.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Service refers to the Website.
Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
Website refers to Home Loans With Vanessa, accessible from https://www.homeloanswithvanessa.com
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.
Nothing on this Website constitutes a commitment to lend, a guarantee of loan approval, or a promise of specific loan terms, interest rates, or conditions. All loan applications are subject to credit approval, underwriting, and verification of information provided. Loan products, rates, terms, and conditions are subject to change without notice and may not be available in all areas. Restrictions and conditions may apply. Your eligibility for a particular loan product or specific terms is subject to final determination by the lender and applicable underwriting guidelines.
HLWV LLC does business as Home Loans With Vanessa. Vanessa Jones Schlomer, Branch Manager and Mortgage Loan Originator, NMLS# 893657.
We are licensed and/or authorized to originate mortgage loans in the following states: California, Colorado, Florida, North Carolina, South Carolina, Tennessee, and Texas. Licensing information and state-specific details can be verified through the Nationwide Mortgage Licensing System and Registry (NMLS) Consumer Access website at https://www.nmlsconsumeraccess.org.
In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), all of our Mortgage Loan Originators are registered and/or licensed through the NMLS and maintain a unique NMLS identification number. You may verify the registration or licensing status of any Mortgage Loan Originator through the NMLS Consumer Access website.
We are an Equal Housing Lender. We are committed to compliance with all federal and state fair lending laws and regulations, including the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and all applicable state fair lending and anti-discrimination laws.
It is illegal to discriminate against any person on the basis of race, color, religion, national origin, sex (including gender identity and sexual orientation), familial status (including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18), handicap or disability, marital status, age (provided the applicant has the capacity to enter into a binding contract), or because all or a part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
If You believe You have been discriminated against, You may send a complaint to: U.S. Department of Housing and Urban Development, Assistant Secretary for Fair Housing and Equal Opportunity, Washington, D.C. 20410, or call 1-800-669-9777. You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov.
The loan product information and interest rates displayed on the Website are for informational purposes only and are subject to change at any time without notice. Actual rates, fees, and terms offered to You may differ based on Your creditworthiness, loan amount, property type, property location, occupancy, loan-to-value ratio, and other factors. Rate quotes provided on this Website are not a rate lock or commitment. A rate lock is only effective when confirmed in writing by the Company through the applicable loan documentation.
We offer a variety of loan products including, but not limited to, Conventional, FHA, VA, Jumbo, and Non-QM loans. Not all loan products are available in all states or to all applicants. VA loans are available only to eligible veterans, active-duty military personnel, and qualifying surviving spouses. FHA loans are insured by the Federal Housing Administration. Government-insured loans are subject to the specific terms, conditions, and eligibility requirements of the applicable government agency.
Any mortgage calculators, affordability tools, payment estimators, or similar interactive tools available on this Website are provided for educational and illustrative purposes only. The results produced by these tools are estimates based on the information You provide and do not constitute a loan offer, pre-qualification, pre-approval, or commitment to lend. Actual loan amounts, interest rates, monthly payments, closing costs, and other terms may vary significantly. These tools do not account for all potential costs, fees, or variables associated with a mortgage loan. You should not rely solely on the output of these tools when making financial decisions. Contact Us directly for a personalized loan estimate.
Any information provided on this Website, including articles, blog posts, educational content, and marketing materials, is intended for general informational and educational purposes only and does not constitute financial advice, tax advice, legal advice, or a recommendation to pursue any particular loan product or financial strategy. You should consult with a qualified financial advisor, tax professional, or attorney regarding Your individual circumstances.
All advertisements and promotional materials comply with the Truth in Lending Act (TILA), Regulation Z, and applicable state advertising laws and regulations. When specific credit terms are advertised (such as down payment amounts, interest rates, or monthly payment amounts), additional disclosures may be required and will be provided as applicable.
The Company operates in compliance with all applicable federal mortgage lending laws and regulations, including but not limited to:
The Company operates in compliance with all applicable state mortgage lending laws and regulations in each state where We are licensed or authorized to do business.
Texas Recovery Fund Notice
Figure: 7 TAC §57.200(c)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML), 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705. TELEPHONE: (877) 276-5550. INFORMATION AND COMPLAINT FORMS ARE AVAILABLE ON SML’S WEBSITE AT https://www.sml.texas.gov.
In connection with Your mortgage loan, We may work with various third-party service providers, including but not limited to appraisal companies, title companies, insurance providers, credit reporting agencies, and settlement agents. We do not guarantee the performance, accuracy, or reliability of any third-party service provider. Any referrals to third-party service providers are provided for Your convenience and do not constitute an endorsement of those providers. In accordance with RESPA, You are not required to use any particular provider recommended by Us, except as may be required by Your lender, and You are free to shop for and select Your own providers.
We do not receive any fees, commissions, or other compensation from third-party service providers in exchange for referring You to them, except as may be disclosed to You as required by applicable law. Any affiliated business arrangements will be disclosed to You in writing as required by RESPA.
We make reasonable efforts to ensure that the information on this Website is accurate and up to date. However, We do not warrant or guarantee the accuracy, completeness, or timeliness of the information presented. Mortgage lending is a heavily regulated industry, and laws, regulations, loan programs, interest rates, and guidelines change frequently. The information on this Website may not reflect the most current legal or regulatory developments or the most current loan products, rates, or terms available.
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company, including but not limited to the NMLS Consumer Access website, government regulatory websites, and other resources.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.
By using this Website and/or submitting a loan application or inquiry, You consent to receive electronic communications from Us, including emails, text messages (if You have opted in), and notifications through the Website. You agree that all agreements, notices, disclosures, and other communications that We provide to You electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law.
Certain mortgage disclosures and documents require specific consent for electronic delivery under federal law (E-SIGN Act) and state law. We will obtain Your explicit consent before delivering such documents electronically, and You have the right to receive paper copies of any documents upon request.
All content on this Website, including but not limited to text, graphics, logos, images, software, and other materials, is the property of the Company or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. The Equal Housing Lender logo, the Equal Housing Opportunity logo, and the NMLS Consumer Access logo are used under license or authorization and remain the property of their respective owners.
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.
Upon termination, Your right to use the Service will cease immediately.
Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.
The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
The laws of the State of Texas, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws. To the extent that any mortgage transaction involves a property located in a state other than Texas, the laws of that state may also apply to certain aspects of the transaction.
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.
If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.
You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
The Company is committed to ensuring that all of its business practices, advertising, marketing, communications, and loan servicing activities are conducted in a manner that is not unfair, deceptive, or abusive as defined by the Dodd-Frank Wall Street Reform and Consumer Protection Act and applicable state laws. If You believe that You have been subjected to an unfair, deceptive, or abusive act or practice by the Company, please contact Us directly or file a complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov or the applicable state regulatory agency.
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
If you have any questions about these Terms and Conditions, You can contact us:
Vanessa Jones Schlomer, Branch Manager — NMLS# 893657