Terms of Use

BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site or any pages therein. 

Illegal Use
Unauthorized use of the ESB Mortgage Company website and systems including but not limited to unauthorized entry into our mortgage application and processing system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.

Website Content
Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.
Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.

Linked 3rd Party Sites
ESB Mortgage Company maintains this website to provide you with information about our products and services.  For your convenience, we may also provide links to various third parties websites that may be of interest to you. ESB Mortgage Company does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site.  Linking to other third party sites is at your own risk. The content on linked sites may change without notice.
WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES. 
We suggest that you always verify the information obtained from linked sites before acting upon this information.  ESB Mortgage Company is not an agent for linked third parties nor do we endorse or guarantee their products and services.  The products and services offered by linked third parties are not products of ESB Mortgage Company and are not insured by any governmental agency such as the FDIC.
Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely.  If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.  

Use of Information Submitted Through the Website
Any communication or material that you transmit to us through this website or through electronic mail may be used only by ESB Mortgage Company for the purposes described in our privacy policy.   All information submitted to our website shall be considered and shall remain the property of ESB Mortgage Company; this information will only be used internally for the purpose intended or as allowed by law. 
ESB Mortgage Company shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and ESB Mortgage Company shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing ESB Mortgage Company’s responsibilities and obligations to customers in accordance with our privacy policy.

No Warranties
Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.
All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.

Trademark Notices 
All registered and unregistered trademarks are the sole property of their respective owners.  Unauthorized reproduction in whole or part is prohibited.

Copyright Notices
ESB Mortgage Company owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability
ESB Mortgage Company will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if ESB Mortgage Company has been advised of the possibility of such damages.
FURTHERMORE, ESB Mortgage Company will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program.  Nor will ESB Mortgage Company be liable for any other problems you experience due to causes beyond our control.
No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and ESB Mortgage Company.

Governing Law
This agreement shall be governed by and construed in accordance with federal statutes and the laws of Texas.

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.

How to File a Complaint
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTAGE BANKER REGISTRATON  AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE,  YOU ARE HEREBY NOTIFIED OF THE FOLLOWING:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN 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 DOWNLOADED AND PRINTED FROM  THE DEPARTMENTS 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 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 DEPARTMENTS WEB SITE AT WWW.SML.TEXAS.GOV.

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