Terms of Use | USDA Express Loans

Your agreement

These Terms of Use cover your access to and use of USDAExpressLoans.com (the "Site"), operated by Matthew Brown, Sr. Loan Originator / Mortgage Broker. Using the Site means you accept these terms and the Privacy Policy; if you don't, please don't use the Site. The terms may be updated by posting a revised version, and continued use after an update means you accept it.

What “Express” means here

The word “Express” in the Site's name refers only to three things: express answers (the short answer boxes that open each page), Express Checks (brief self-check tools that run in your browser), and an express line to Matthew (reaching a licensed mortgage broker directly rather than a call center).

“Express” is not a loan program, a kind of USDA loan, or any statement about how long underwriting, USDA review, appraisal, or closing will take. Timing depends on your file, the property, third parties, the lender, and USDA, and no timeline is promised.

Express Check results are general orientation based only on your answers. They are not a pre-qualification, pre-approval, eligibility determination, or credit decision.

Educational information, not advice or an offer

The Site offers general educational information about USDA-guaranteed mortgages and related topics. It isn't financial, legal, or tax advice and isn't tailored to you. Before making decisions, talk with the right licensed professionals — your loan originator, attorney, tax advisor, and real estate agent — and review official USDA resources.

No commitment to lend. Nothing on the Site is a loan approval, a commitment to lend, a rate lock, or an offer of credit. Every loan is subject to credit, income, household income limits, asset, property, location eligibility, and program guidelines and to underwriting and USDA approval. Guidelines can change without notice.

No affiliation with USDA or any government agency

The Site is independent. It is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Agriculture, USDA Rural Development, the U.S. Department of Housing and Urban Development, the Federal Housing Administration, the U.S. Department of Veterans Affairs, the Texas Department of Housing and Community Affairs, the Texas State Affordable Housing Corporation, or any other government agency. Descriptions of government programs are based on publicly available information. For official information, see USDA Rural Development's Guaranteed Loan Program page.

Accuracy

Reasonable effort goes into keeping the content accurate, but completeness and currency aren't guaranteed. USDA guidelines, eligibility maps, income limits, guarantee fees, assistance programs, and lender requirements change, and content can fall out of date. Examples are illustrations only. Confirm the current rules for your situation before relying on anything here.

Licensing and Equal Housing Opportunity

Matthew Brown, Sr. Loan Originator / Mortgage Broker — NMLS #1254520
Loan Factory, Inc. — NMLS #320841
Globe Mortgage, Inc. — NMLS #1390856

Loans are offered only in states where the loan originator and sponsoring company hold the required licenses. Matthew is licensed in several states, not all. Licensing can be checked at NMLS Consumer Access.

Equal Housing Opportunity. Mortgage financing is provided in accordance with federal fair lending laws, without regard to race, color, religion, national origin, sex, handicap, familial status, or any other characteristic protected by law.

Texas consumer complaint notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR, OR A MORTGAGE COMPANY OR MORTGAGE COMPANY 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. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER OR MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Linked sites, acceptable use, liability, and governing law

Linked sites. The Site links to outside websites, including the pre-approval application, scheduling tools, USDA and other government sites, and related educational sites. Their content, policies, and availability aren't controlled by the Site's operator, who isn't responsible for them. You use them at your own risk and under their terms.

Acceptable use. Don't misuse the Site — for example, by disrupting it, submitting false information, or scraping content with automated tools. Commercial republication of content requires permission.

Limitation of liability. The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, Matthew Brown, Loan Factory, Inc., and Globe Mortgage, Inc. are not liable for any direct, indirect, incidental, consequential, or other damages arising from use of or reliance on the Site or its content (including Express Check results) or any linked third-party site.

Governing law. These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, and by applicable federal law.

Contact. Questions about these terms can go to Matthew Brown at matt@matt.mortgage, (512) 952-1125, or through the contact page.