Terms of Use

Acceptance of Terms

These Terms of Use govern your access to and use of this website, operated by Value Financial Group ("we," "us," or "our"). By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this website.

Purpose of This Website

This website is provided for general informational purposes to help visitors understand mortgage financing options. It is not a loan application, a pre-qualification, a pre-approval, a commitment to lend, or an offer to lend or extend credit. Loan approval, if any, is subject to a formal application, underwriting review, credit approval, and property appraisal by a lender.

The mortgage payment calculator on this website produces estimates only, based on the figures you enter. It is not a quote, a Loan Estimate, or a Closing Disclosure, and actual rates, payments, taxes, insurance, and closing costs will vary.

Not Financial, Legal, or Tax Advice

Content on this website is provided for general informational purposes and does not constitute financial, legal, tax, or investment advice. You should consult a licensed loan officer, attorney, accountant, or other qualified professional regarding your specific situation before making financing decisions.

Equal Housing Opportunity

Value Financial Group is committed to the principles of the Fair Housing Act and Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other basis prohibited by applicable law.

No Guarantee of Rates or Programs

Interest rates, loan programs, down payment requirements, and other terms referenced on this website are for illustration only, are subject to change without notice, and are not guaranteed. Availability of any loan program depends on individual qualification and lender guidelines in effect at the time of application.

Eligibility

This website is intended for use by individuals who are at least 18 years old and legally capable of entering into binding agreements.

Intellectual Property

The text, graphics, logos, and other content on this website are owned by Value Financial Group or its licensors and are protected by applicable intellectual property laws. You may view and print pages from this website for your own personal, non-commercial use, provided you do not modify or remove any copyright or proprietary notices. Any other use, including reproduction, distribution, or creation of derivative works, requires our prior written permission.

Consultation Form Submissions

By submitting the consultation request form, you represent that the information you provide is accurate to the best of your knowledge, and you consent to be contacted by Value Financial Group about your inquiry as described in our Privacy Policy. Please do not submit your Social Security number, bank account numbers, or other highly sensitive information through this website.

Third-Party Links and Services

This website may link to, or rely on, third-party services, including Google Fonts and Formspree. We do not control and are not responsible for the content, accuracy, or practices of third-party websites or services. Links to third-party sites do not imply our endorsement.

Prohibited Uses

You agree not to use this website to:

• Violate any applicable law or regulation;
• Submit false, misleading, or fraudulent information;
• Attempt to gain unauthorized access to this website or its underlying systems;
• Interfere with the proper functioning of this website; or
• Scrape, harvest, or collect information about other users without their consent.

Disclaimer of Warranties

This website and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that this website will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Value Financial Group and its team members will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website, even if we have been advised of the possibility of such damages.

Changes to These Terms

We may revise these Terms of Use from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website after a change means you accept the updated terms.

Governing Law

These Terms of Use are governed by the laws of the State of Arizona, without regard to its conflict of law principles, except where superseded by applicable federal law.

Severability

If any provision of these Terms of Use is found unenforceable, the remaining provisions will remain in full force and effect.

Contact Us

Questions about these Terms of Use can be directed to:

• Value Financial Group — Carlos Cordova, Team Leader
• Phone: (623) 755-7528
• Email: carlos@myvaluefinancial.com
• Company NMLS ID #2133511 · Carlos Cordova NMLS ID #1918110