Terms of Service

Acceptance of Terms

By accessing or using millenialending.com, submitting a form, or otherwise engaging with our services, 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 with these terms, please do not use our website or services.

About Our Services

Millenia Lending LLC provides residential mortgage lending services, including loan consultations, pre-qualification, application intake, and related communications. Information provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice.

No Guarantee of Loan Approval

Submitting a form or inquiry does not constitute a loan application, approval, or commitment to lend. All loan requests are subject to underwriting, credit review, income and asset verification, property appraisal, and other conditions. Interest rates, loan terms, and program availability are subject to change without notice and are not guaranteed until a formal loan commitment is issued in writing.

Eligibility

You must be at least 18 years of age and legally able to enter into a binding contract to use our services. Our services are intended for residents of the states in which Millenia Lending LLC is licensed to operate.

Your Responsibilities

When using our website or submitting information to us, you agree to:

• Provide accurate, current, and complete information
• Not misrepresent your identity, income, or financial circumstances
• Use our website and services only for lawful purposes
• Not attempt to disrupt, damage, or gain unauthorized access to our systems

You are responsible for the accuracy of any information you submit. Providing false or misleading information may result in denial of services.

Text Messaging and SMS

If you provide your phone number and check the applicable consent box on any of our forms, you agree to receive text messages from Millenia Lending LLC. Consent to receive marketing text messages is not a condition of any purchase or service. Message frequency varies. Message and data rates may apply.

Message delivery is subject to effective transmission by your mobile network operator. Wireless carriers are not liable for delayed or undelivered messages. Millenia Lending LLC is not responsible for delays or failures in message delivery caused by your carrier or device.

Electronic Communications

By using our website or providing your contact information, you consent to receive communications from us electronically, including by email, text message, and notices posted on our website. You agree that all agreements, notices, and disclosures provided electronically satisfy any legal requirement that such communications be in writing.

Intellectual Property

All content on millenialending.com, including text, graphics, logos, and the Millenia Lending name and marks, is the property of Millenia Lending LLC or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

Third-Party Services and Links

Our website and services may use or link to third-party platforms, including our CRM platform (GoHighLevel) and loan origination software (Arive). We are not responsible for the content, policies, or practices of any third-party service. Your use of those services is governed by their own terms and privacy policies.

Disclaimers

Our website and services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of harmful components. Any reliance you place on information from our website is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Millenia Lending LLC and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

Licensing and Regulatory Disclosures

Millenia Lending LLC is a licensed mortgage lender operating under NMLS #2001748. We are an Equal Housing Lender. All loans are subject to credit approval and property appraisal. Programs, rates, terms, and conditions are subject to change without notice. This is not a commitment to lend.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising under these terms will be subject to the exclusive jurisdiction of the state and federal courts located in Texas.

Changes to These Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes your acceptance of the revised terms.

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