Terms of Use

These terms govern your use of redhouselending.com and its subpages (the "site"), operated by RedHouse Lending LLC, Company NMLS 2570863, 1200 S Reserve St, Suite F, Missoula, MT 59801. By using the site you agree to them. If you don't agree, please don't use the site.

1. Information, not an offer

Everything on this site is educational. Nothing here is a commitment to lend, an offer to extend credit, a rate quote, or an approval. Loan programs, eligibility, and terms depend on your application, your credit, the property, and the program, and are disclosed to you in writing as required by law. All loans are subject to credit approval and other restrictions may apply. Mortgage loans may be arranged through third-party providers.

2. Calculators and estimates

Our calculators use the numbers you enter, including any interest rate you type in. Their results are estimates for orientation only, exclude items that vary by property such as taxes, insurance, HOA dues, and mortgage insurance, and are not a loan offer. A loan officer will give you actual figures in writing.

3. Where we do business

RedHouse is licensed as a mortgage company in the states listed at /licensing/. The site is intended for residents of those states. Individual loan officers are licensed in the states shown on their pages. Nothing on this site is an offer to lend in a state where we or the loan officer aren't licensed.

4. Your information and communications

When you submit a form, you agree to give accurate information and you agree to our Privacy Policy, Communications Policy, and, if you opt in to texts, our SMS Terms. Marketing consent is never a condition of getting a loan.

5. Loan applications

Applications are completed in our secure loan system, which you reach from this site by a link. That system has its own terms and privacy notice, which apply to your application.

6. Intellectual property

The site's text, articles, videos, PDFs, design, logos, and code belong to RedHouse Lending LLC or its licensors. You may print or download our educational materials for your personal, non-commercial use, and real estate agents may share our co-branded materials as provided. Any other reproduction, distribution, or modification requires our written permission. "RedHouse Lending," "The Simpler Way Home," and our logos are our trademarks.

7. Acceptable use

You agree not to use the site to do anything unlawful; to submit false information or impersonate anyone; to scrape, harvest, or collect data about other users; to interfere with the site's security or operation; or to reproduce our loan officers' likenesses, videos, or voices for any purpose other than viewing them here.

8. Third-party links and content

The site links to third-party services such as our loan application system, Google Business Profiles, review platforms, and state housing agencies. We don't control those sites and aren't responsible for their content or practices.

9. Reviews and testimonials

Reviews shown on the site are collected from public review platforms and are displayed unedited, with the reviewer's first name and date. They reflect individual experiences and aren't a guarantee of your outcome.

10. Accessibility

We aim to meet WCAG 2.1 AA. If any part of the site is hard for you to use, contact us at (866) 722-4282 or info@redhouselending.com and we'll help and fix it. See our Accessibility Statement.

11. Disclaimer of warranties

The site is provided "as is." We work to keep it accurate and available but don't warrant that it will be error-free, uninterrupted, or free of harmful components, or that information on it is complete or current.

12. Limitation of liability

To the fullest extent the law allows, RedHouse Lending LLC and its owners, employees, and loan officers aren't liable for indirect, incidental, consequential, or punitive damages arising from your use of the site. Nothing in these terms limits liability that can't be limited by law, or your rights under federal and state consumer-protection and lending laws.

13. Governing law

These terms are governed by the laws of the State of Montana without regard to conflict-of-law rules. Any dispute about the site will be brought in the state or federal courts located in Missoula County, Montana, and you consent to their jurisdiction. [COUNSEL: confirm; consider whether an arbitration clause is wanted or wise for a consumer lending site.]

14. Changes

We may update these terms. The effective date at the top tells you when. Continued use after a change means you accept it.

15. Language

Where the site is offered in Spanish, the English version of these terms controls if there's a conflict.

16. Contact

RedHouse Lending LLC · 1200 S Reserve St, Suite F, Missoula, MT 59801 · (866) 722-4282 · info@redhouselending.com · Equal Housing Opportunity.

RHL-LEGAL-003 · counsel sign-off pending